Insurance...the Life kind???

[Cindy]

Sneaking again! I thought we broke you of all your bad habits! LOL, Cindy

[cavediver256]

May be tough to explain why my dive computer says 330',and I am found near pot hole in Peacock with 10/60 in my tanks

Oh that ones easy, about a 150' upstream from pothole there is a unsurveyed passage that drops hunerts and hunerts of feet, its a bottomless pit !!!! You see what happened was you accidentally dropped your travel gas down this chute, it was way too deep to retrieve it, so you tried to come out on the 10/60 got hypoxic and died....

Hows that for a story Kelly???

[MengTze]

I would just leave a note on my tanks to ask the recovery team to drain my tanks and smash my computer before brining me up.

[amphipod06]

I would just leave a note on my tanks to ask the recovery team to drain my tanks and smash my computer before brining me up.

computer?

Dive safe,

Celia

[MengTze]

computer?

Dive safe,

Celia

Talk to Kelly, I was just quoting him.....wrong tree sista

or did you imply that it would be missing?

[curtschu]

I have found that your best approach if open to you is to get as much as you can through your employer's group policy. There is usually a 3 times Salary plus up to $100,000 Additional coverage without underwriting questions. If you want more then you have to fill out the paperwork that asks lifestyle questions. I have asked our folks to check our policy and they say there no diving exclusions on the basic life (company paid) and suppliment (I pay). BTW I work for a law firm so I figure they might have read the fine print. If you don't have access to a work group policy then I think you are always going to have underwriting issues.

[caroln]

I have found that your best approach if open to you is to get as much as you can through your employer's group policy. There is usually a 3 times Salary plus up to $100,000 Additional coverage without underwriting questions. If you want more then you have to fill out the paperwork that asks lifestyle questions. I have asked our folks to check our policy and they say there no diving exclusions on the basic life (company paid) and suppliment (I pay). BTW I work for a law firm so I figure they might have read the fine print. If you don't have access to a work group policy then I think you are always going to have underwriting issues.

This is a good plan. It's generally the cheapest coverage and 'don't ask don't tell' works for life insurance as well as anything else.

[Hammerhead Ferrari]

Check on the internet with Zander insurance. I recommend TERM life insurance about 10 times your annual income. Doesnt cost much at all. They have contact numbers on their website.

Yeah I checked with these guys and cause I am from Canada they can't deal with me.

[Hammerhead Ferrari]

Thats my problem because of my "high risk lifestyle", drag racing, etc my provider had the foresight to exclude me from other "risky" activities. I am not covered for skydiving, mountain climbing, etc. even though I did not, and still do not do, these activities prior to obtaining my policy. They were smart and got lucky...I already pay a 35% premium for my racing coverage of 50% of face value(which I recover from my sponsors), they want 3X my current premium to cover me while deep, and wreck diving, absolutely no cave coverage.

[karst.window]

I originally had a life insurance policy ($35/month) that covered all remaining debt. I thought I was good to go. I happened to call my insurance company and asked out of curiosity if I was covered for cave diving. Of course NOT... They specifically stated that they would NOT pay if I was cave diving at the time. So I asked about my options.... You have to talk to a separate underwriter. They will ask you VERY specific diving questions regarding depths/frequency/wreck/cave diving. Then they will send one of their people out to take your blood pressure and draw lab work. Bottom line your premium will go up tremendously if you choose to carry this kind of insurance, but IMHO I think everyone should carry this insurance if you will be leaving significant debt behind that your family will have to deal with. I want to make sure that my family was taken care of in the event of an accident. If you are one of the lucky ones without any significant debt then this is a waste of money. Overall, TALK TO YOUR LOCAL INSURANCE REP and make SURE!! Look at your debt load and make your own personal decision.