It is widely understood among consumers that age, health status and your family's health are important factors in determining the approval of life insurance and the premium you will pay.
However, a less obvious factor is your profession. Some occupations are statistically more dangerous than others and are therefore more likely to lead to death.
For that reason, there are special conditions for obtaining life insurance for high risks.
What is the High Risk Church for Life Insurance Purposes?
The life insurance industry considers that each profession is a high risk if it involves an overall possibility of death in the performance of your tasks.
Statistically, the chance of dying at work can be extremely low. But from an insurance point of view, all that is important is that the probability is higher than in safer occupations, such as office jobs.
What are the most risky occupations for insurance purposes? It varies slightly from one life insurance company to another, but there is a group of professions that are generally recognized as more dangerous than average.
According to the Bureau of Labor Statistics, the 1
However, there is not a complete list of occupations considered dangerous by the life insurance industry.
Other occupations that probably fall into the category of "special handling" include:
- garbage collectors
- power managers and installers
- and virtually everyone who spends a significant part of their working day on the road
Can you be rejected for life insurance for your profession?  It would be extremely rare for someone to be denied life insurance coverage strictly because of their profession. There may be some exceptions; astronauts think, for example. But as long as you are otherwise qualified for coverage, you will almost certainly get insurance.
But that does not mean that your profession is irrelevant in your police clearance.
When evaluating an applicant for life insurance coverage, the insurer looks at a combination of risk factors. These will include your health status, your immediate family's health history, your age, personal habits (such as smoking or excessive alcohol consumption), your driving record, your credit history, and even your hobbies, in addition to your profession.  With that in mind, let's look at two scenarios:
Scenario # 1:
- You have excellent health.
- There is no history of serious illness – cancer, heart disease, kidney disease, etc. – in your extended family.
- You are 35 years old.
- You do not use tobacco and do not drink excessively.
- You have a clean driving record.
- There are no high-risk hobbies, such as skiing, skydiving or scuba diving that you engage in regularly.
- You have good credit.
- You're a firefighter.
Since everything else in your insurance profile is low risk, you will be approved for coverage even though you are a firefighter, which is generally recognized as a high risk option.
The only difference is that you will be charged a slightly higher premium because of the occupation and the risk that it entails.
Scenario # 2:
- You are average health, but you are overweight, have high blood pressure and had a bout with cancer two and a half years ago.
- Your father died of cancer at the age of 55, but your mother has survived two bouts with the disease.
- You are 55 years old.  Even if you do not drink excessively, you are a regular smoker.
- You've had two traffic violations and one crash in the last three years.
- You participate in rock climbing regularly.
- You have bad credit.
- You're a cop.
There is an excellent chance that your insurance application will be rejected. But it will not be specific because you are a police officer, which in itself is considered a risk factor.
Instead, it will be a combination of too many risk factors, whose profession is only one.  How life insurance companies evaluate high risk assessments
The exact process for evaluating the risk associated with a particular profession will be specific to the insurance company you are applying for. They will surely take into account the overall risk posed by your profession.
For example, since logging is considered the most dangerous occupation, a person employed in this area will be assigned the highest risk assessment.
A police officer, even if it is considered a high-risk profession, will generally receive more favorable consideration because it is not as risky as logging.
But there will also be considerations specific to the job you do. For example, if your job as a police officer patrols the streets, the risk will be greater than if you had a job at the police headquarters.
Other factors will also be evaluated, including your experience, rank, qualifications, special education, and any special assignments you may be on. There may also be adjustments based on the area you work in, as some may be considered higher risk areas than others.
How life insurance companies adjust premiums for high-risk professions
Rather than charging a specific premium range for high-risk, life insurance companies instead add an extra fixed interest rate to compensate for the risk caused by the occupation.
For example, in addition to the regular premium you pay for a standard insurance policy, you can be charged anywhere from $ 1 per $ 1000 for coverage for an occupation at the lower end of the risk scale, to $ 5 per $ 1000 for one that is at the higher end.
Let's say you're a police officer and you buy a 20-year-old policy with a death benefit of $ 250,000 and a premium of $ 300 per year. The insurance company then adds a standard per interest rate to compensate for the risk that your occupation poses.
If the fixed interest rate is set at $ 2 per $ 1,000, you pay an additional $ 500 per year (250 times $ 2). When you add your $ 300 base premium, your total annual premium will be $ 800.
The standard amount that can be adjusted if you move from, for example, a street patrol position to a desk job, or when you retire from the police force.
How to get life insurance for high-risk occupations
If you work in a high-risk job, you already start with a significant risk factor that will affect your premium.
There is not much you can do to change that risk factor, other than change to a low-risk career. Because it is not practical, we take a look at other areas in your risk profile.
There is also nothing you can do about your age or your family's health history.
But there are some risk factors you can control:
- Maintain a healthy lifestyle, including eating a proper diet and getting regular exercise. Fortunately, these lifestyle habits tend to go hand in hand with high-risk occupations.
- If you are overweight or obese, lose weight before applying for a policy. However, be aware that if new items show your previous weight, you may need to maintain a lower weight level for two years or more before the insurance company will consider you a normal weight.
- Do not smoke, and if you do, join a smoking cessation program. Like losing weight, you generally need to show that you have been smoke-free for at least two years to get a better premium rate.
- Keep your credit history clean by paying all bills on time. Insurance companies do not look at your FICO points as lenders do, but they do look at credit activity, such as bankruptcies, foreclosures, tax breaks, and late payment patterns or overdue balances. Bad credit has been associated with a higher risk lifestyle.
- Keep your driving record clean by avoiding moving violations and accidents in case of errors. And whatever you do, do not drink and drive. A DUI / DWI conviction can be a game changer with life insurance.
The basic idea is to control all the risk factors you can. You can not do anything about your profession, so you should be active in keeping yourself application ready.
The best way to apply for life insurance for high-risk professions
Do you know the life insurance ads that advertise what seem to be impossibly low premiums? They are not impossible – if you are a low-risk applicant.
However, if you have any significant risk factors, whether it has to do with your health condition, your family's health history or a high-risk occupation, you will not receive the advertised low premiums. In fact, you may not even get approved! This is because low-cost life insurance providers are low-cost precisely because they only insure applicants with the lowest risk.
If you work in a high-risk job, or have any significant risk factors at all, your best option is to work with a licensed life insurance broker. And that's exactly what we are.
Unlike the low-cost providers, who usually sell a customized program for low-risk applicants from a single insurance company, we work with dozens of companies. It gives us the ability to get you a policy from companies that specialize in higher risk applicants and makes it the most favorable premiums.
If you have any kind of risks in your insurance profile, your application will need special handling. That's what we do every day as an insurance broker. We not only find the best companies for your policy, but we handle all the details for you, and it will not cost anything extra for our services.
helps you find the right insurance company that suits your career and charges the most reasonable premium. We work with dozens of companies and know in advance which ones work best for you.
List of most dangerous life insurance coverage jobs
- Paper collectors
- Power managers and installers
- Almost everyone who spends a significant part of their working day on the road
- Farmers / Ranchers
- Structure Iron and Steel Workers
- First Leader for Construction and Production Workers
- First Leader for Landscaping, Lawn and Horticultural Workers
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