Wallace Group - Insurance Blog

Life Insurance for Scuba Divers

Some people enjoy living on the edge, so to speak. Many people scuba dive for a career and other dive as a hobby. Before you begin to look at life insurance quotes, you need to know about how life insurance companies will underwrite the life insurance policies for scuba divers. It is equally important that you choose an agent who is an expert in helping people who scuba dive to buy life insurance. Scuba divers looking for life insurance may be able to qualify for standard rates or better depending on their health and other factors.

Knowing the process of how life insurance companies underwrite scuba divers will you give you an advantage in getting the rate you deserve. This is where we come in. We have helped many people obtain quality life insurance from top rated carriers. What we will do for you, as with all our clients, we will discuss your diving experiences and expertise.

The first thing we need to discuss is the depths and frequencies of your dives. How often do you dive? How deep do you go when you dive? How often do you go below 100 feet? Where do you usually dive? Lakes, rivers, oceans, or beaches? Your answers to these questions can make a difference in your rating. Once we have your information, we will shop it through dozens of top quality life insurance carriers where they tell us up front if they are willing to underwrite your specific case. Of course, this is just an application and not a guarantee for coverage.

Why do you dive? Are you in the search and rescue or salvage business? Are you exploring caves? Or do you just enjoy hanging out with the fish? Are you paid to dive? Are you a diving instructor?

Certifications are also factors in purchasing life insurance for scuba divers. When did you receive your certification? Which ones do you have or have had? This is key to knowing the best way to buy life insurance for a scuba diver.

Once we have this information, we will begin by shopping quality, top rating life insurance carrier who accept scuba divers. By knowing what to ask and by having the great inventory of life insurance carriers that we do, we can secure affordable rates for our clients. We know not to send our clients just anywhere for a life insurance policy. Our core competency is matching our clients’ customized policies to companies that fit our clients’ unique needs.

Scuba diver life insurance should not be an impossible or overly expensive situation. Many life insurance companies may issue policies but if your agent does not possess the required expertise when it comes to helping people get life insurance for scuba divers, you may pay more than you should.

Whether you have made a career out of scuba diving or perhaps scuba is how you choose to spend your free time, we can help you find the lowest cost life insurance policy for you. Hit the quote link below and let’s get started today.

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