Most traditional life insurance companies treat SCUBA diving as a risky sport. Scuba diving is lumped in with other “hazardous sports and hobbies” such as hang gliding, skydiving, motor racing and mountain climbing.   If a scuba diver is applying for life insurance with a traditional, fully underwritten, life insurance company they will be asked…

I wanted to remind you of two important features of term life insurance. Term life insurance policies are typically both renewable and convertible and these nifty features are built in to most term life insurance contracts. Let’s first talk about what makes the insurance protection renewable. Term life insurance increases in cost at the end…