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Life Insurance For Scuba Divers

0 comments Published Wednesday, October 22, 2008 by education40410.

I have been a life and health agent for about thirty years and a scuba diver for over six. I was looking for some extra term life coverage for myself and found a carrier that did not ask anything about scuba diving on the application. They asked about mountain climbing and racing and flying private planes, but nothing about diving at all. Since answering yes to a regular scuba question brings out all sort of questions regarding training, how many times you dive, where you dive, how deep you dive, along with the questions about wreck,cavern,caves,ice etc. None of this matters since they don't ask any diving questions. Needless to say I took out a policy.

Here's the interesting part. They have Standard underwriting for $150,000 of 10,15, and 20 year level term life insurance. If you are in good health no further questions are asked and you usually can be approved as a Standard risk. If you are looking for more coverage they will then put you on the phone with an underwriter and this is where they will ask you the question are you diving over 100 feet. They did not ask me if I went into caves, wrecks etc. I think there maybe a short window to get this until they come out with the newer application and ask the scuba question so time maybe limited. Now if you are in good health and dive under 100 feet it looks like super preferred and preferred rates are still available also.

This product is fully underwritten for health so it is not guaranteed issue. You must be in relatively good health. This does not mean you cannot qualify if you are on medication for blood pressure or cholesterol, but you may pay a slightly higher Standard rate if applying for more than $150,000. Plans are ten, fifteen and twenty year term plans. The benefit period you apply for depends on you age. Accidental death is also an option!

Please email or call me if you have any interest and I will try to help you.

Steve Rein Inc. has been in the insurance business for 30 year. The office number is 770-497-0005. The website is http://www.gahealthandlife.com I work in the areas of life, health, annuities, Long term care and disability insurance

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Life Insurance For Scuba Divers

Online Colleges: Oct 22, 2008

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