One of the characteristics of insurance is that the insurance premium is affected by the risk the insurer is covering. This makes perfect sense because all insurable risks are not the same. There is no point in charging a very low premium to cover a very high risk. Insurance companies are not in business to lose money. This is why insurance premiums can be high or low depending on the risk the insurer is covering.
For instance, people who live in areas where car theft is very common are likely to pay high insurance premiums. People who drive very expensive cars are also likely to pay high premiums for motor vehicle insurance because these cars are more frequently stolen than cheap ones.
The principle of high premiums for high risk is also applicable to life insurance. People who smoke will definitely pay more for life insurance than people who do not because the risk for the insurer is much higher. Again, the profession of the client is a factor. Teachers, for instance, are likely to pay less for life insurance than soldiers and commercial drivers. Swimming instructors are in the high risk category. This is because the job of this professional is quite risky.
Some people may argue that swimming instructors are very good swimmers so they are not likely to drown or have an accident in the swimming pool. The point here is that the swimming instructor usually works with people who cannot swim. These people can put the instructor in serious trouble. In some extreme cases, the instructor may drown if he or she is not very careful. This is why swimming instructors should pay high life insurance premiums. The risk for the insurer is quite high and this risk has to be balanced by a high insurance premium. As stated already, some professions are risky. The swimming instructor falls into the risky category and should therefore pay a higher life insurance premiums.