Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Mutual of Omaha is a good fit for healthy recreational scuba divers whose diving is certified, occasional, and at or below 100 feet, especially for fully underwritten term coverage with conversion rights.
Banner Life is a good fit for recreational scuba divers whose diving stays within its published best-case profile: certified open-water diving no deeper than 100 feet, with a divemaster or instructor, and no wreck, salvage, ice, or cave diving.
Protective is a good, not unanimous, fit for recreational scuba divers. Its underwriting materials treat scuba as a rated factor and offer SCUBA exclusions in most states, but no complete scuba decision matrix or scuba-specific premium is published.
Principal Financial is a mixed fit for scuba divers seeking life insurance. Its underwriting is explicitly scuba-aware, with reported Super Preferred eligibility up to 100 feet and no stated annual dive limit, but independent reporting says Principal exited retail individual life sales in 2021.
Lincoln Financial ranked 2nd in an AI consensus on life insurance for scuba divers, named by all 7 platforms. Certified recreational divers under 100 feet may qualify for top rate classes, while 101-130 foot divers may see a $250-$350 flat extra per $100,000. Technical, cave, and solo divers face the weakest fit.
Prudential is a good fit for conventional recreational scuba divers seeking individually underwritten term or permanent life insurance, provided diving stays within ordinary open-water limits. The main limitation is that Prudential's public materials do not verify a complete current scuba underwriting table.
John Hancock is a qualified but conditional fit for private pilots buying term life insurance. Its underwriting considers pilot experience, ratings, and annual hours, but guides conflict on whether policies issue with an aviation exclusion that would void death benefits during private flight.
AIG is a mixed fit for private pilot life insurance. Two of seven platforms named it, and it finished ninth overall. Its strongest point is documented aviation underwriting: Standard Plus for licensed private pilots with 100+ solo hours flying in the U.S. and Canada.
Pilot Insurance Center (PIC) is a strong-to-good fit for a U.S. private pilot who wants aviation-aware life insurance shopping, according to the AI platforms reviewed. Three of seven platforms named PIC during the ranking stage, and it finished at an average listed rank of 7.3 (best rank 6).
Corebridge Financial is a good but conditional fit for a U.S. private pilot seeking life insurance, especially one who wants flexible term coverage and flies mainly in the United States and Canada.
Principal Financial Group is a mixed fit for Life Insurance for Private Pilots. Four of the seven platforms in this study named Principal during the ranking stage, and those four placed it at an average rank of 4.5 (best rank 2).
Lincoln Financial is a good, but not clearly best-in-market, fit for an experienced U.S. private pilot seeking term life insurance, provided the buyer verifies aviation terms in the formal offer.
