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Not exact matches
According to Baleka, the average
life expectancy for a long - haul truck driver in the U.S. is 61 to 64 years (10 to 15 years less than the average American male); truck drivers have the highest rate of obesity of any
occupation in the U.S. (86 % are overweight, 69 % are obese); they have one of the highest rates of metabolic syndrome, a group of risk factors for heart disease and diabetes; in some years they have had the highest number of fatalities of any
occupation, making trucking one of the most
dangerous and unhealthy
occupations in the U.S.
This film explosives the inherently
dangerous occupation of astronauts and cosmonauts, who in the face of an unforgiving hostile environment, and relentless
life threatening pressures, endured almost certain death in the pursuit to conquer the unknown.
If your
occupation has you performing
dangerous activities that put you at risk of death, you're going to pay higher
life insurance rates.
Keep in mind our instant quote form on the right will give you an idea of insurance premiums, but in order to obtain accurate term
life insurance quotes, you'll need to speak to an agent, to discuss other factors that may affect your health rating, such as your family's health history, and whether or not you participate in any hazardous activities, travels, or work in a
dangerous occupation.
An application for
life insurance with Diabetes can be complicated with an individual's
dangerous occupation.
Participate in
dangerous hobbies or
occupations — Participating in
dangerous hobbies such as sky diving or hang gliding will often knock people out of traditional
life insurance coverage.
But a
dangerous occupation or hobby that they have may place them in a high risk
life insurance category.
Even though these
occupations can be more
dangerous than other jobs, getting
life insurance for police officers,
life insurance for firefighters, and
life insurance for EMTs does not differ from regular citizens.
Dangerous occupations and sports could reduce your
life expectancy just like tobacco use can.
There is a group of
dangerous occupations that
life insurance underwriters see as very risky.
Medical conditions along with
dangerous occupations and sports can create a need for high risk
life insurance.
Medical conditions or a
dangerous occupation that has a high level of risk can increase the cost of your
life insurance.
How are my multiple health conditions, hazardous
occupation or
dangerous sport going to effect my
life insurance rates?
These are your high risk
life insurance individuals who may work in a hazardous
occupation, or have
dangerous hobbies, such as motorized racing or skydiving, and they too tend to have to pay higher premiums than the average Joe.
Here is a basic list of the
occupations that
life insurance companies consider some of the most
dangerous occupations.
If you have pre-existing medical conditions, a hazardous
occupation or a
dangerous sport you can still receive affordable
life insurance quotes but the company you apply with has to be the one that will be the most applicable for your health history and lifestyle.
For example,
life insurance companies may require higher premiums or deny coverage altogether to people who work in hazardous
occupations or engage in
dangerous sports.
Such
life insurance plans are geared towards those who work in a high - risk
occupation, as well as individuals who participate in more
dangerous activities such as bungee jumping or skydiving.
A pre-screen is a very simple process of reviewing an applicant's medical conditions,
dangerous sports or
occupation with several
life insurance companies to see who will give the best offer to the applicant which in essence is just another word for the lowest premium.
All
life insurance companies underwrite their applications differently and they all have different viewpoints on how medical conditions, hazardous
occupations and
dangerous sports or hobbies should be observed.
All
life insurance companies underwrite their policies differently and have their own opinions concerning specific health conditions, hazardous sports or
dangerous occupations.
Two types of
life insurance policies that should be considered for those with
dangerous occupations.
Life insurance is normally fully underwritten which means that any medical conditions,
dangerous occupations and hobbies are fully taken into consideration.
When medical conditions, height & weight issues or
dangerous occupations or sports come into play, having over 20 years of experience and running pre-screens are very important to finding you the lowest
life insurance premiums.
You will still need an agent to help you due to the fact
life insurance final rates can change due to health conditions,
dangerous occupations and sports.
If you are not involved with hazardous sports or
dangerous occupations, this will also be an important factor the
life insurance company will use to determine your rates.
Your agent or broker will ask you some basic questions pertaining to your health conditions and some others such as are you involved with
dangerous sports activities or do you have a hazardous
occupation which are going to end up being very important questions when trying to secure the lowest rates from virtually any of the
life insurance companies on the market.
There needs to be a strategy when researching the market for affordable Term
life insurance especially when a high risk condition exists when medical conditions or a
dangerous sport or
occupation is present.
Keep in mind that medical conditions or a
dangerous occupation can increase the cost of your
life insurance from just a very small amount to an extreme level depending on what the condition actually is.
High Risk
Life Insurance — A high risk policy is ideal for individuals with dangerous occupations, hobbies or pre-existing health conditions such as high blood pressure, cholesterol, diabetes, congestive heart failure, HIV or AIDS, who may not qualify for traditional life insurance cover
Life Insurance — A high risk policy is ideal for individuals with
dangerous occupations, hobbies or pre-existing health conditions such as high blood pressure, cholesterol, diabetes, congestive heart failure, HIV or AIDS, who may not qualify for traditional
life insurance cover
life insurance coverage.
Factors that would influence
life insurance application's rating / approval (i.e.
dangerous occupation or health complication)
If you use tobacco, have a
dangerous occupation, or a hazardous hobby, you can expect to pay more for your
life insurance.
If you have a few medical conditions, a
dangerous hobby, or a hazardous
occupation, give one of our licensed agents a call, and they will work with you to determine if New York
Life is the best company for your unique «risk» profile.
These are adults who may have applied for coverage and were either substantially rated up or declined a
life insurance policy based on health issues or other reasons such as alcohol and drug abuse or a
dangerous occupation.
Posted in insurance,
life insurance, military, police Tagged active duty military, affordable, approved,
dangerous occupation, firefighter, firefighter
life insurance, insurance,
life insurance, low prices, mortality risk, patriotic
life insurance, police
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