The ability to obtain life insurance is unlikely to be affected by diving however there are a few things to consider which could affect the price.
Diving as an occupation and diving for recreation can both be assessed in similar ways but they also have certain key differences.
Recreational divers are not required to be highly qualified [...]

Nobody likes paying Tax but it is a fact of life.
It is also a fact of death – in the form of Inheritance Tax (IHT)
There are certain allowances which currently stand at £325,000 per person (which can be passed to a spouse giving a total of £650,000) but for estates valued above the allowance [...]

Advances in technology have led to pacemakers being developed that are extremely reliable and robust.
So much so that some life insurance are more than happy to offer cover at standard rates.
Many ailments and medical conditions can lead to a life insurance policy being ‘loaded’ or ‘rated’ because of underlying health issues.
Depending on the [...]

A large number of people in the UK are living with HIV and many are leading very normal lives.
Many people with HIV have existing mortgages and family and so a need for life insurance exists.
Until recently it has not been possible for people with HIV to obtain life insurance but that is no longer the [...]

A stroke can radically affect someone’s life.
Being the victim of a stroke is something that will immediately bring home just how vulnerable we all are and remind us of our own mortality.
When that happens the thought of leaving loved ones behind becomes much more of a real concern.
Life insurance can provide a lump sum or [...]

Just because someone has life insurance declined it does not necessarily mean they will be turned down by every insurer.
The main reasons applicants have life insurance turned down or declined vary and can include:
Existing medical conditions
Family medical history
Weight
Drug / Alcohol Abuse
High Risk Occupation
The difficulty is each insurer will assess different situations and circumstances in different [...]

High net worth individuals or couples wishing to obtain greater than average sums of life insurance can do so but life insurance companies may require more in depth medical information before agreeing to offer cover.
High value life insurance of say £500,000 to £1,000,000 or above is seen as more of a risk to a life [...]

Being overweight can lead to health problems in later life. For this reason life insurance companies may charge more to provide cover to someone who is overweight because there is potentially a greater chance of a claim during the term of an insurance policy compared to someone who is not overweight.
Life insurance companies use [...]

Alcoholics and alcoholism is regarded my life insurance companies in a similar way to many ailments and illnesses.
The severity of the alcoholism and how long a person has been an alcoholic will play a part in determining the cost and availability of cover.
If a person drinks regularly but has not been diagnosed as an alcoholic [...]