Life Insurance for Divers
While being an incredibly rewarding pastime, diving can be dangerous and this may be reflected in life insurance premiums. Many of the amateur/sports divers who apply to Standard Life are accepted at normal terms for life cover. Life Insurance applicants who take part in the more extensive or hazardous diving, such as cave diving and interior wreck exploration are more likely to be penalized with higher premiums. Diving experience may also be taken into account and previous track record.
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As part of the application process disclosure will need to be made on whether the diver is involved in recreational diving, cave or technical diving or any diving done for a payment.
Life insurance is an effective way of ensuring that a diver’s family will be provided for in the event of their death. A diver’s life insurance policy can provide financial peace of mind so that:
- Beneficiaries receive a lump sum upon the life assured's death, or
- regular payments upon death
- Cover for an outstanding financial liability