Transcription of Video:
Hello. This is Liran Hirschkorn from ChooseTerm.com
If you are a scuba diver looking for life insurance, you definitely want to
make sure that you find the right life insurance company for you. What do I
mean by that? Insurance companies view the risk of scuba diving
differently, and in turn, charge different rates based on the type of scuba
diving that you do.
When you are looking for a policy, insurance companies are going to want to
know the following: How many times a year you dive? The types of diving
that you do; is it open water, rescue diving, in caves? What kind of diving
do you do? How deep you dive, is it 75 feet, up to 100 feet, over 100 feet?
If you are certified, and how long you have been diving perhaps, as well.
These are questions that you are going to have to answer, and based on that
the insurance companies will evaluate the risk and figure out what to
charge you. Fortunately, at ChooseTerm.com, we work with about 30 different
companies. As an example, ING you can get a super-preferred non-tobacco
rate with ING being a scuba diver, diving as many times as you want per
year, up to 100 feet. With MetLife, for example, they limit the amount of
times they will let you dive, I believe it is 10. You start off at a lower
health rating, which means a higher price.
Some companies allow you to dive up to 75 feet with no increase in price,
some companies let you dive up to 100 feet. When you are looking for life
insurance, you want to make sure that you work with an agent that has
access to a lot of different companies and knows the underwriting
guidelines of those companies, when it comes to scuba diving.
At ChooseTerm.com, we work with about 30 different companies, we understand
how they underwrite scuba divers, and we know which company to go with,
based on your situation. Of course, we will also talk to you about your
other needs: Do you have any other health issues? How much coverage are you
looking to get? How much coverage do you need? What policy works best for
you. These are all the things that we will talk to you about when you call
and speak to us about life insurance policy.
You can visit our website, ChooseTerm.com.
My name is Liran Hirschkorn, from ChooseTerm.com, I look forward to helping
you with your life insurance needs. Thank you.
Author: Liran Hirschkorn