Hank49
Contributor
I've worked with insurance providers and they list "Do you SCUBA" on the private apps. If you check "yes" they either hit you with a higher premium or turn you down. The app doesn't ask if you dive Trimix. It doesn't ask if you stay above 100'. It doesn't ask if you have a pony bottle.
It asks only if you SCUBA. The risk starts there and they don't qualify how much risk you take based on your personal beliefs, comforts, training, or gear. Putting I am DIR on the app doesn't do crap. Saying you never dive below 100' won't insure your family.
I applied for life insurance about 10 years ago and as you said, they asked if I scuba dived. I said yes and they asked what level of training I had. I said I was a PADI instructor. And THEY said, "oh, well that doesn't matter then as long as your a professional there is no increase in premiums".
Wonder what they would have said if I said I just passed Cave 1? (which I haven't)