Scuba diving questionnaire is a specialized underwriting form used to gather detailed information about an applicant's scuba diving activities, which are considered a risky avocation for life and disability insurance. The questionnaire typically asks about certification level, dive depths, frequency, locations, types of dives (recreational, cave, wreck, commercial), use of mixed gases, and history of accidents or decompression sickness. Insurers use this information to assess the additional mortality and morbidity risk associated with diving and to determine whether to apply flat extras, ratings, or exclusions, or to decline coverage in extreme cases.

Advisors present a scuba diving questionnaire whenever an applicant indicates current or planned diving on an application. They help clients provide accurate, detailed answers, emphasizing that underwriters differentiate between shallow, infrequent recreational dives and deep, technical, or hazardous dives. Carriers rely on the questionnaire responses, sometimes along with dive logs, to classify risk and price coverage appropriately. Some insurers are more flexible with recreational divers, while others are stricter. By understanding the scuba diving questionnaire and preparing clients for its requirements, advisors can reduce surprises in underwriting offers and minimize delays caused by incomplete or inconsistent information.