Although I've been diving off and on for decades I only started cave diving four years ago.
My wife was not keen on this as she had grown up in Gainesville and had heard about the perils of cave diving her whole life. One of the things she insisted on -- and that I was planning on doing anyway -- was to get life insurance.
I got a very nice policy through the Lincoln Benefit Life Company that had a section about scuba diving but did not go into detailed questions about technical diving, (at least not when I got this policy four years ago).
I also set out to get as much training and experience as I could, (which I continue to do), which also makes me a safer more competent diver.
This is what individuals should do who have others that look to them for support; like family members.