Does Scuba Diving Affect Life Insurance? 
Yes , scuba diving can affect life insurance rates . Recreational scuba diving less than 50 feet does not affect rates at all with many life insurance companies , so that if you are able to get the best rating based on your health , your diving will not bring that rating down . Some will allow the best or Preferred rating for divers who are experienced and do not exceed a depth of 75 ' . Being a certified diver and/or diving only in a club or with an instructor helps get the best rates . When dives are over 75 ' or the diver does cave diving , rescue diving or diving alone in remote areas , the scuba diving can bring rates down to Standard , add a flat extra , or even cause a decline . Agents familiar with this type of policy can get all the pertinent details from you and find out ahead of time which company has the best price for your particular type of scuba diving . 