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Life Insurance for Scuba Divers

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We have a decades-long track record of helping divers—and many other applicants who pose a higher risk—get the coverage they need at a price they can afford.

You get approved at the rate quoted, and the whole experience puts a smile on your face.

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Buying life insurance should put a smile on a scuba diver’s face.

Too often, applying for life insurance can be a nightmare for divers. The application process is confusing and frustrating. You finally get approved at a rate much higher than quoted—or declined altogether.

And your family, business, and favorite charity end up without enough protection, and exposed to financial hardship—or even ruin. It simply doesn’t have to be this way. But my firm can put the smile back on your face 🙂

Ready to Smile? Here’s How We Do It:

These are the Big Three Industry Secrets I have learned and have used for decades to help divers get the coverage they need at an affordable price—and make the purchase a most satisfying experience.

Industry Secret #1 

Companies specialize in different types of risks. Some companies are great at insuring pilots, others divers, and others diabetics.

Industry Secret #2 

Your life insurance broker needs to know which company is best at the coverage that you need—and have a great relationship with that company—to get the best pricing and service.

Industry Secret #3 

You must be prequalified for coverage. Prequalification gives you a quote that is both competitive and reliable and sets the stage for approval at the rate quoted.

10 Reasons to Choose The Firm of Steven H. Kobrin, LUTCF

  1. High-risk life insurance really takes an expert. We have been helping divers, climbers, and folks with other adventurous hobbies, purchase affordable policies since 1991.
  2. Our team understands diving, from equipment to certification, and knows which carriers would give the best rates. Each client is prequalified for coverage and receives a quote that is both competitive and reliable.
  3. Our team advocates for you to get an approval at the rate quoted. Also, we keep you informed at every stage of the application process.
  4. Whether you need a policy from $100,000 to well over $100 million, we have the experience to take care of you. We have both term and permanent policies. And with certain policies, no medical exam is required.
  5. We have advanced underwriters, financial planners, accountants, and attorneys available to consult with your professional advisors on policy design. We do this at no charge, so you can get the expert advice you need to design your coverage.
  6. Expert assistance is available for premium financing, life settlements, and other complex transactions to generate policy funding.
  7. Existing business partnership agreements can be reviewed for potential liabilities at no charge. Informal business valuations can be conducted for approving life insurance policies to fund partnership agreements, also at no charge.
  8. Existing policies can be audited to detect potential financial and legal liabilities.
  9. Policies are available for citizens and residents of other countries, including those with no family, business, or financial ties to the United States.
  10. Your coverage can be used for family, business, estate, and charitable needs.

Happy Customers Tell It Like It Is

“Steve Kobrin is our “top gun” for insurance. He is diligent and extremely professional, as well as a very pleasant individual.

He is never too busy to get back to us and, should we have questions, he always gives us clear and timely answers.

It is easy to recommend people to Steve, because we are very confident that they too will be pleased with his services.”

– Dr. Michael V.
Caldwell, New Jersey


My situation is somewhat unusual. And I therefore knew it wasn’t going to be easy to find a policy. Yet, Steve was positive a policy could be found. And he was right.

I’ve used one other insurance broker before Steve Kobrin, and there is no comparison in the quality of service.

Steve made me feel he understood my situation and had my best interests at heart. Everything he asked of me was clearly explained in advance. He was realistic about the effort and time involved. And he always returned my calls or emails promptly. In short, he provided personal service of the first order.

I would not hesitate for a moment to recommend him to a family member, friend, or business associate.”

– Mr. K.
Upper West Side, New York City