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It's not an issue usually until you start being classified as a tech diver. The app we have asks questions like # of dives at 100+ 150+ 200+. Cave or night dives, wreck penetrations, cave cert, etc.
I was able to get insurance with my history, but it wasn't cheap. At work, they don't even ask. I get 8x my salary without a hitch. So if I ever die, my wife stands to get about 24 bucks.