Higher risk jobs are deemed so due to the increased risk of illness, injury, or, in extreme cases, death. In these cases, it is important to financially protect your family in the event of your untimely passing. The best way to do this is with an appropriate life insurance policy.
So, with this in mind, let’s take a look at 7 high risk jobs where life insurance is essential.
- Armed forces
In data released by the Ministry of Defence in 2021, the 2020 mortality rate for the UK regular armed forces were as follows:
- Tri Service – 38 per 100,000
- Royal Navy – 39 per 100,000
- Army – 34 per 100,000
- RAF – 45 per 100,000
However, it is worth noting that only 26% of these deaths were caused by accidents, and those in the armed forces are actually 77% less likely to die from a disease-related condition than the general population. Moreover, even though defense and military jobs could be life-threatening, the advancement in security measures and safety gear such as a level 4 body armor plate, hazmat suit, CBRN equipment kit, etc., can ensure that the personnel gets the best protection in the field.
- Emergency services
Firefighters, police officers, paramedics, and mountain rescue encounter dangerous situations every single day. These situations are approached tactically and with the appropriate safety protocols and protective gear in place. However, these are still high-risk jobs where employee life insurance is absolutely essential.
- Construction workers
The level of risk involved in construction work depends on the job and the responsibilities you have, and the type of work that you undertake. This includes several factors such as the machinery you operate, the materials you work with, whether you work on residential housing or skyscrapers, and so on.
- Pilots
For passengers, travelling by plane is much safer than travelling by car, but being a pilot is still an incredibly risky job. Pilots must undertake rigorous training and comply with numerous pre-flight checks before they are even allowed to step foot into the cockpit due to the danger involved in their job.
Of course, the level of risk largely depends on the type of pilot you are. For example, those that fly commercial planes are at less risk than those who fly helicopters or fighter jets in the military.
- Trailer and truck drivers
Heavy drivers such as those handling trailers and trucks on a daily basis may encompass a range of different high-risk occupations. Arguably the highest risk among these is truck drivers, especially long-haul drivers, who spend long hours on the road and operate heavy vehicles at high speeds. These workers often face risks from navigating congested roads and working long hours, which adds to the risk level. Therefore, an important step would be to find services similar to this jacksonville florida auto insurance.
Generally, auto insurance policies offer a broad spectrum of protections designed to meet your specific needs. These include liability coverage, which handles damages if you’re at fault in an accident; collision coverage for vehicle repairs after a collision. Additionally, they can offer comprehensive coverage for non-collision related damages such as theft or natural disasters and uninsured motorist coverage to protect against drivers with insufficient insurance.
- People who work at heights
Many jobs require employees to work at heights, such as builders, scaffolders, engineers, and tree surgeons, just to name a few. Due to the high risk of injury, these jobs are now covered by The Work at Height Regulations 2005. This legislation sets out the health and safety considerations that must be completed before any work at height can begin, such as undertaking a full risk assessment and appropriate training.
- Security workers and bouncers
Similar to the emergency services, private security contractors, including pub and nightclub bouncers, encounter dangerous situations every day. The dangers can significantly increase when the person causing the trouble has had a bit to drink! Thus, security workers should consider life insurance an essential thing to have.
Of course, this is by no means a comprehensive list. However, if you feel like your job is even slightly risky, it is always worth investing in life insurance.
