Scuba divers often find that life insurance is hard to come by once they acknowledge they dive. The web, of course, has made it easy to compare all sorts of products, and now you may search for life insurance policies from carriers that insure divers.

LifeQuotes.com, an online life insurance exchange, provides instant quotes from 50 life insurance companies. It lets you compare policies, and then buy from any company that will accept you. Most are well known and you can find policies from $100,000 to $25 million.

One enters all the standard information about health, then, as a diver, you enter the number of dives made in a year, the maximum depth, whether you are an instructor or professional diver, and whether you make high-risk or technical dives. Once you've answered the questions, up pops quotes from those insurance companies that will take you, along with their policies for you to read. You can buy online, talk to an agent, or share the information with your own insurance agent.

One downside: you're required to enter your address, phone number, email address, etc., which exposes you to data mining. I created a persona to get my quotes. To look at various scenarios, I also had to remove the cookies LifeQuotes placed.

- Ben Davison

Forward this article to your dive buddy