I know life insurance has been covered elsewhere on the board. That said, I'm having difficulty getting the exact answer that I want from reading through search results. So, to that end, I want to see what others have to say about my particular situation and if anyone has recommendations for what to do about life insurance.
As of this writing I have about 130 dives in just over 12 months (I got O/W certified late January 2006), and now work here and there as a PADI DM. I have a decent amount of experience to about 100 feet, and only a few dives past that. I plan on taking the PADI deep specialty in the next two months, and I have overhead and wreck training, but not much experience as of yet. I'm also EANx cert'd to <= 40%.
I am in good physical shape, currently enrolled in a 4-6 day/week Krav Maga program (martial arts), and don't have any other risk indicators besides scuba. That is, no other hazardous activities, and no specific dietary or behavioral issues (e.g. smoking, bad family histories), though I suspect my cholesterol might be a little high. I'm currently 29 and unmarried, no kids.
Technical diving is in my plans. I have a strong scientific background and technical activity background (e.g. used to rock climb, I'm good at technical hike planning, etc.); couple those with a ridiculous attention to detail and dive planning and good physical fitness, and I think I'm the ideal candidate. However, based on the equipment required, I'm looking at about a 2-year delay before I have everything in place.
To finally get to my question then, what do I do about life insurance? I don't know if it matters to insurance companies that my technical diving plans primarily include deco/gas switch dives to a limit of about 200 feet, with the target being primarily external and limited penetration wrecks (something like the 130fsw+ wrecks at Truk Lagoon). Cave is not planned, nor is rebreather. I don't know enough about technical gas planning to know if such dives will require hypoxic mixes or not (I've heard that could be an issue with these companies).
Should I not tell the insurance company about this, and wait to start training until after the two-year period (I've heard that insurance plans often have a 2-year "probation" period) and just sign up now? Do I wait until after I have the certs and then sign up? Or, are there firms that don't care or just specialize in this type of insurance and it doesn't matter?
Any similar experiences or advice would be greatly appreciated.
As of this writing I have about 130 dives in just over 12 months (I got O/W certified late January 2006), and now work here and there as a PADI DM. I have a decent amount of experience to about 100 feet, and only a few dives past that. I plan on taking the PADI deep specialty in the next two months, and I have overhead and wreck training, but not much experience as of yet. I'm also EANx cert'd to <= 40%.
I am in good physical shape, currently enrolled in a 4-6 day/week Krav Maga program (martial arts), and don't have any other risk indicators besides scuba. That is, no other hazardous activities, and no specific dietary or behavioral issues (e.g. smoking, bad family histories), though I suspect my cholesterol might be a little high. I'm currently 29 and unmarried, no kids.
Technical diving is in my plans. I have a strong scientific background and technical activity background (e.g. used to rock climb, I'm good at technical hike planning, etc.); couple those with a ridiculous attention to detail and dive planning and good physical fitness, and I think I'm the ideal candidate. However, based on the equipment required, I'm looking at about a 2-year delay before I have everything in place.
To finally get to my question then, what do I do about life insurance? I don't know if it matters to insurance companies that my technical diving plans primarily include deco/gas switch dives to a limit of about 200 feet, with the target being primarily external and limited penetration wrecks (something like the 130fsw+ wrecks at Truk Lagoon). Cave is not planned, nor is rebreather. I don't know enough about technical gas planning to know if such dives will require hypoxic mixes or not (I've heard that could be an issue with these companies).
Should I not tell the insurance company about this, and wait to start training until after the two-year period (I've heard that insurance plans often have a 2-year "probation" period) and just sign up now? Do I wait until after I have the certs and then sign up? Or, are there firms that don't care or just specialize in this type of insurance and it doesn't matter?
Any similar experiences or advice would be greatly appreciated.