Commercial fishermen and other related fishing workers, whose workplace may include heavy machinery, stormy weather at sea and slippery surfaces, were number one in death rates. Drowning is the most common cause of death in the fishing industry. Loggers, who work in treacherous, mountainous regions cutting down heavy trees, followed. Aircraft pilots, not commercial airline pilots but rather small aircraft pilots, air-taxi pilots, and crop-dusters, round out the top 3 most dangerous professions in the nation.
10 Most Dangerous jobs by Fatality Rate:
|Rank||Occupation||Death Rate / 100,000||Total Deaths|
|1||Fisherman and Fishing Workers||111.8||38|
|3||Pilots and Flight Engineers||66.7||82|
|4||Iron and Steel Workers||45.5||40|
|5||Farmers and Ranchers||38.4||285|
|7||Elec. Power Line Installer/Repairer||29.1||30|
|9||Recyclable Material Collector||22.8||18|
Workers in these and other risky professions often have concerns about whether they will qualify for life insurance and, if so, at what cost. The short answer is that no matter what you do for a living; life insurance is a viable option to help you financially protect your loved ones in the event of your death.
Despite the danger of any individual profession it might surprise you to learn that many of these workers are insurable. They will, however, have to answer insurance companies´ detailed questions, which are used to assess the prospective clients´ mortality risk.
If approved, insurance companies often charge a higher premium, sometimes called a “flat extra”, to offset this additional risk while the client is employed in the so-called risky job. But you could be reconsidered for a lower premium by petitioning the insurance company once you switch to a safer profession. The decision is at the sole discretion of the insurer.
One thing you should know is that these life insurance premium rates can vary from company to company so it is a good idea to shop around for the best price. But even if you end up paying a little more due to your profession or your health, you should keep in mind what the risk/benefit ratio is to you and your family of having life insurance protection.
It is a fact of life that we will all die but just when is something we never know. If you answer “yes” to one or more of the following questions, you need to give serious consideration to buying Term Life Insurance:
- Your spouse depends on your income
- You are a parent
- You own a business
- Your aging parents rely on your income