“Insurance for Hazardous occupations”

As overall lifestyle is taken into consideration when applying for term life insurance coverage, one of the principals that underwriters evaluate when deciding to grant approval is your career. Applicants who risk their lives or are subject to potential disability on a regular basis will pay a higher term life insurance premium than the average person in relatively “risk free” occupations.

Many people must work in hazardous occupations as their primary source of income. Pilots, aviation or scuba diving instructors or firefighters are a few examples of high-risk jobs. As unfair as it might seem, all these professionals can expect to pay higher term life insurance premiums. However, reasonable term life insurance coverage is still possible if you obtain necessary licenses and take safety classes.

For those of you who work in jobs that could potentially disable you physically, you may want to consider a “Waiver of Premium Rider.” By adding this rider to your term life insurance policy, your premiums will be waived should you become totally disabled. This type of rider is ideal for those who work in jobs such as metal or iron work or any hazardous occupation where you have to deal with chemicals, fire or specialized machinery.

Usually waiver of premium riders change along with any term life insurance policy premium changes (such as an increase due to age). The waiver of premium rider terminates on the renewal date closest to your 60th birthday.

If you work in a hazardous occupation, our highly trained agents do due diligence when choosing a term life insurance carrier since you are in the “high risk” category. They make sure to choose an A or A+ rated, but also check what kind of “mortality table” the carrier uses. Mortality tables help determine the premiums you pay by measuring what kind of risk you are.


  • At this moment I am ready too do my breakfast, later than having my breakfast coming gain to ead more news. Gael Dev Bluefarb

  • Hello, all the time i used to check webpage posts here in the early hours in the daylight, since i like to gain knowledge of more and more. Leeanne Malvin Bounds

  • You made some nice points there. I did a search on the matter and found nearly all people will go along with with your blog. Cookie Dennis Toogood

  • Very nice style and great subject material , nothing at all else we want : D. Rebbecca Bartolomeo Seraphina

  • whoah this weblog is wonderful i love reading your posts. Stay up the good work! You realize, a lot of people are hunting round for this info, you can help them greatly. | Doti Les Suzann

  • least one post a day to make the visitors keep coming back to your blog for more. 2. Search Engine Optimization Make sure your blog posts are keyword rich. Write blogs around the in-demand keywords for your subject. This enhances the visibility of your blogs on the search engines, thereby increasing your success rate. Also adhere to following norms Goldia Albie Rogovy

  • Rattling nice style and superb content material , absolutely nothing else we require : D. Shaun Teddy Langbehn

  • You actually make it appear really easy along with your presentation however I to find this matter to be really one thing that I feel I might never understand. It sort of feels too complicated and very broad for me. I am looking ahead to your next publish, I will try to get the hang of it! Olenka Yul Vonni

  • I quite like looking through a post that will make men and women think. Also, many thanks for allowing me to comment! La Verne Chadd Huey

  • I was extremely pleased to find this website. I need to to thank you for your time just for this fantastic read!! I definitely loved every little bit of it and I have you saved to fav to look at new information on your web site. Riki Bern Deloria

  • Like!! Great article post. Really thank you! Really Cool. Daphna Tomas O’Toole

  • Thanks for sharing Latasha. Global Test Market and Earningstation are good survey sites, as well. Joann Cristiano Merriman

Leave a Reply

Your email address will not be published. Required fields are marked *