In this article we will discuss about Ten (10) high risks jobs that can make getting life insurance tough.
One of the most important life insurance fundamentals to remember is that insurance firms continuously assess risk while insuring their clients. They’ll assess if they can cover you for a life insurance policy by using all of the relevant information to create premium rates.
A potentially dangerous career, like a risky hobby or a bad medical records, might put your life coverage possibilities in a distinct group. However, not every life insurance company views high-risk employment the same manner, and firms frequently rate the same dangerous position differently.
How life insurance companies assess you
The estimated life span of the policyholder is used to calculate life insurance rates. Insurers will look at a variety of characteristics to forecast your longevity, including your age, gender, nicotine usage, alcohol consumption, and health history, as well as other risk factors like your employment and leisure activities.
Insurers frequently issue “rated” plans to those in high-risk jobs, if they offer coverage at all. In comparison to plans for persons in “normal” jobs, graded insurance will cost policyholders more money in monthly premiums.
This is not to say that all insurance companies have the same perspective on risky occupations.
10 High Risk Jobs That Can Make Getting Life Insurance Tough
Unsure whether you’re in a dangerous line of work? According to a 2014 analysis by the Bureau of Labor Statistics, these jobs have the ten highest fatal work injury rates. If you work in one of them, don’t be shocked if your insurance agent raises an eyebrow when you submit your application.
1.Logger 
Logging is perhaps the most hazardous job in America. Logging employees had a fatal accident rate that was 33 times higher than the national norm. Heavy machinery is used by loggers to cut trees and handle logs. Exposure with logging machinery or logs is the most common cause of logging worker mortality. The death rate of loggers is 111 per 100,000 workers
2.Aircraft pilots and flight engineers
Pilots of airplanes, helicopters, and other forms of aircraft fly and steer them. Flight engineers are tasked with inspecting aircraft before and after flights, to ensure the plane is balanced, and arranging for fuel and flying plans. Aircraft Pilots are also responsible for flying the plane, communicating with air traffic control, and monitoring the plane’s systems while in flight. The death rate of pilots and flight engineers is 53 per 100,000 workers
3.Derrick operators in oil, gas, and mining 
These oil field workers install, maintain, and coordinate the activities on the derrick The derrick is a structure located just above a wellbore that houses the drill bits while the drill revolves to dislodge the earth. valves to remove oil or other resources from the well may also be included in the derrick. The death rate for derrick operators is 46 per 100,000 workers
4. Roofers 
Roofers replace, repair, and install building roofs utilizing a range of materials such as shingles, bitumen, and metal Roofers typically utilize ladders or other equipment to reach the tops of structures. Falling off roofs or ladders is the most prevalent cause of fatal occupational accident for roofers. The death rate for roofers 41 per 100,000 workers.
5. Refuse and Garbage collectors
These employees drive a truck around neighborhoods, emptying trash cans and bins into the vehicles, traversing the streets becomes a more perilous prospect for garbage and recyclable material collectors. Getting crushed by a car is the most prevalent cause of death in this high-risk vocation. The death rate for Refuse and Garbage collectors stands at 34 per 100,000 workers.
6. Structural iron and steel workers 
Ironworkers are responsible for placing iron and steel on structures, bridges, and roadways. Their employment generally comprises of going up on enormous buildings, offloading iron and steel, and communicating to crane operators. They also employ machinery to carve, bend, and forge iron and steel. Steel and iron are some of the principal makeup for big size constructions. The death rate for iron and steel workers stands at 29 per 100,000 workers
7. Delivery Drivers 
Delivery drivers load and unload trucks or automobiles and take them to their delivery point within a local region. These employees often pick up cargo, food, laundry or other products from distribution hubs or retailers and deliver them to homes and businesses. They might as well connect with consumers to organize supplies, collect money for items, and handle documentation such as delivery signatures. The death rate for delivery drivers stood at 27 per 100,000 workers
8. Farmers 
Farmers are saddled with the responsibility for producing crops and dairy products and rearing animals for food. They are charged with the task of cultivation and harvesting or nourishing and caring for animals. Furthermore, farmers buy materials for their crops and acquire and manage agricultural equipment. They also sell their harvests or cattle on the market place. The death rate for Farmers stood at 26 per 100,000 workers
9.Firefighting supervisors
Firefighting coordinators are accountable for overseeing and directing the activities of firefighters. This activity covers the controlling and preventing of fires. Some of the activities that these administrators conduct include contacting and deploying trucks, analyzing fire intensity and severity, recruiting and assessing firefighters, and managing firefighting supplies. The death rate for fire fighting supervisor stands at 20 per 100,000 workers
10. Power linemen 
Power linemen are liable for construction and upkeep of aerial and subterranean power lines that bring energy to households and businesses. In this employment, these personnel drive power maintenance equipment to job sites, climb electrical poles or utilize bucket trucks, and test, install, or otherwise repair electrical systems. The death rate for power linemen stands at 20 per 100,000 workers
Life insurance for high risk occupations
This list of 10 dangerous occupations doesn’t account for every employment that might put you in a life insurance company’s higher risk group. Certain specialties within other jobs—say a sky diving fireman or a law enforcement officer on the Tactical team with greater hazards than others in the trade.
If you’re having difficulty to purchase cover, another possible path to examine is guaranteed acceptance life insurance. These insurance don’t involve medical examinations or refuse based on risk concerns.
Bear in mind that however, these plans frequently have a low maximum on the death benefit.
10 Risky Jobs That Can Make Getting Life Insurance Tough