DiveLikeAMuppet
Contributor
What I'm trying to say is that agency choice might be impacted by factors that are completely unrelated to actual training quality and OP needs to take that into account, and tried to provide few examples. Last time I checked, most income protection insurance in the UK did not cover anything beyond recreational diving - US might be different. There is a single company that can insure you for cave or CCR diving but only within your training limits. Depending on your personal circumstances, you might wish to stay within those limits.You seem to be mixing up different types of insurance and I don't understand what you're trying to say. There is diving accident insurance, travel insurance, life insurance, and disability insurance (among others). The policies that I have don't mention anything about certification agencies or depth limits. Perhaps insurance policies work differently where you are.
Trip organizer requirements for participation are a separate issue. I understand that some trip organizers might require participants to dive within certification limits in order to limit their own liability and weed out divers who are totally unqualified. But if a student is looking to get a certain depth limit number on a card just so that they can participate in a trip then they're really looking at the issue backwards.
If I want to dive Malin Head, which has general depths between 60 - 70 meters, I can get the same (good) training with the same instructor who teaches for TDI and IANTD. For the same level of skills, I can get either a TDI paper that "certifies" me to 60 meters, or an IANTD paper that "certifies" me to 70 meters. Same training, same course. Hence the vast majority of UK divers try to get Mod2 with IANTD, to specifically go dive Malin Head.
OP might be in a similar position and pick training that fits their own personal circumstances.