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  • Life insurance to cover a risky job
  • June 26, 2015
  • how do life insurers classify
    While certain professions like helicopter/airplane pilots, scuba divers and even smoke jumpers sign up for life insurance, an insurance company may require them to fill out an extra questionnaire that explains their job duties in detail. If the dangerous activity is recreational, they may be denied coverage, but if it is something they do professionally, then they may be covered and charged a flat extra—basically, an extra fee added on for every $1000 of coverage.

    When you lose a limb

    According to the most recent report by the Bureau of Labor Statistics (BLS), workers have a four in 100,000 chance of dying on the job. They have a 4.6 chance in 100 of being injured or becoming ill due to their job. This highlights the importance of disability coverage, especially for those who work a risky job.

    “The real issue is often personal disability insurance. Government or employer-provided disability can be extremely limited, or require such specific conditions you may not qualify. Having personal insurance coverage offsets that risk,” said Nancy Bennett, senior fellow at the American Academy of Actuaries.

    If you have proper life insurance and disability insurance, you can sleep easy at night (or during the day if you’re working a night shift) knowing you and your family are completely covered.

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  • Category: Disability Insurance, Featured Articles, Featured Story, Life Insurance, Videos

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