ucfdiver
Contributor
I applied for life insurance through my financial adviser. No questions were asked on paper about scuba diving, but I did have to check yes to flying on non scheduled flights as I had flown a couple of times on re-positioning flights and certification flights when I worked at an airline, as well as I had taken some flight training. During a phone interview, they asked about SCUBA, cave diving, how deep, etc and I answered honestly.Do you mind going into specifics about your insurance and how you got it. There are some loop holes if you got a smallish policy (usually around 3x annual salary) through an employer where there are no questions asked through the group policy and then converted the group policy to your own personal ownership, but for the most part getting life insurance for a cave diver is extremely difficult. You should definitely check out your policy paper work and the application you signed, they all have questions about dangerous activities (flying, hiking, mountain biking, scuba diving, sky diving, etc) in their policies, if you failed to mention your you were cave certified and one of the questions clearly stated you should have, you would be guilty of fraud and the insurance company can legally deny the claim if you die in a cave.
Here are a few links. I also have some experience in the insurance industry
I have a split policy, some term and some whole (with the option to extend the coverage later). I acquired my coverage through my Northwestern Mutual financial adviser. Because I work in software development, I chose to NOT rely on employer coverage for life/disability insurance due to the fact that I'll surely switch jobs often during my career and might not always have continuous coverage, and I didn't want to risk leaving my wife with nothing if my death fell inside one of those gaps.
FWIW I was also 24 when I got my coverage, so that might make it easier? If you're struggling to find coverage I'll PM you the advisers contact information, or if someone here has a specific question about the policy I'll do my best to find any answers I can to help.