Does Life Insurance Cover Scuba Diving? 
Life insurance usually covers scuba diving , but you must fill out the application correctly to ensure that it will pay , if needed . If the application asks whether you scuba dive , you must answer honestly , and scuba divers generally will need to fill out a questionnaire providing details about how deep they dive , whether they dive alone or in groups , where they dive , and how often they dive -LRB- among other things -RRB- . Then the underwriter will determine whether the policy can cover scuba diving at the regular rate , whether he/she needs to tack on a flat extra , or whether he/she will need to exclude scuba diving from the policy . Some companies rate scuba divers better than others , so it helps to use an agency that can shop among many companies to find your best life insurance rate as a scuba diver . 