Even though most people have a life insurance , when you have a dangerous job, you might have some additional problems finding one that suits your needs. Since insurance companies determine eligibility and rates according to some criteria including health and occupation on the top of the list, you need to carefully evaluate the options that you have.

When you have a high-risk job, one of the best options that you have to get a good life insurance is to work with an independent life insurance company that already has experience working with this same kind of clients.

But what makes your job dangerous?

The truth is that insurance companies base their "risk" on the possibility of dying . So, the more likely it is for you to die while at work, the higher your risk. So, you'll ultimately need to pay a higher premium.

One of the things that tend to confuse people is that it's not as much as the question of your job is dangerous but how the insurance company looks at it. Just take police officers, for example. You would assume that they have a dangerous job. However, insurance companies don't see them this way. Instead, they can even get a better life insurance policy than most individuals (depending on their history, health, among other factors).

According to an article published by Forbes in 2013 by Jaquelin Smith, these are the 10 deadliest jobs:

#1: Logging workers who need to deal with buzzing chainsaws, gusting winds, and falling trees.

#2: Fishers and related fishing workers who need to deal with sleep deprivation and harsh weather.

#3: Aircraft pilot and flight engineers who need to deal with long hours of work and high stress.

#4: Roofers who need to deal with falls and high elevations.

#5: Miners who are subjected to mining disasters.

#6: Refuse and recyclable material collectors who are subjected to chemical exposure and heavy equipment.

#7: Electrical power-line installers and repairers who need to deal with harsh weather, high elevations, and high voltage.

#8: Truck drivers who need to deal with traffic accidents, chemical exposure, and heavy equipment.

#9: Farmers, ranchers, and other agricultural managers who are subjected to overturned tractors.

#10: Construction workers who need to deal with electrical shocks, falls, and collapsing scaffolds.

How to Get Life Insurance for High Risk Occupations?

The truth is that when you have a dangerous job similar to the ones mentioned above, most life insurance companies will assess an additional fee that is called the flat extra.

The flat extra is the amount that is added to your premium. It represents a dollar amount that is added to your premium per $1,000 worth of coverage. This can range between $2 and $5 a month per $1,000 depending on your occupation.

However, in order to determine the final premium of your life insurance for high risk occupations, the insurance company will also take into consideration other factors. Let's say that you're a private pilot that has many years of experience. In case you continue to fly up to a maximum amount of hours each year, you may benefit from some preferred rates.

For more: Seniors Life Insurance Finder

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