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 coverage.
Two types of life insurance policies that should be considered for
those with dangerous occupations.
People
with dangerous occupations are considered a greater risk to insure and don't receive an insurance plan easily and people working on sea - shore, coal - mines, chemical plants and construction sites are a few among that category.
Medical conditions along
with dangerous occupations and sports can create a need for high risk life insurance.
Not exact matches
Coal mining is a
dangerous occupation,
with dozens of workplace accident deaths in the U.S. each year, on average.
An application for life insurance
with Diabetes can be complicated
with an individual's
dangerous occupation.
This holds true to applicants
with some very serious health conditions which will have the same effect as
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.
With our roads getting more
dangerous every day, an extra accidental policy may be appropriate for people in these
occupations.
Dangerous occupations represent much greater risk for insurance companies, and you are likely to pay for that risk
with a higher insurance premium.
These assumptions are a generally fit person
with no major concerns which negatively affect rates, like poor driving record, serious health risks, or involvement in hazardous or
dangerous occupations and activities.
, hazardous hobbies / activities such as hang gliding or scuba diving, international travel, your height and weight, and
occupation (if you have a
dangerous job or one
with a higher - than - average mortality rate) can also affect the amount you'll pay.
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.
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.
Due to the size and financial stability of this company they can afford to insurance people
with medical conditions or have hazardous
occupations or
dangerous sports they are active in.
There are some
occupations that are considered by insurers as high risk than others for e.g. soldiers, pilots, fishermen, miners, off - shore oil or gas industry workers, etc. are considered more
dangerous occupations that people working in offices
with a desk job, shop workers, teachers, etc..
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide
dangerous occupations where people are not going to find off the shelf accidental death and disability 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.
We can also help individuals
with dangerous hobbies /
occupations, and those who are awaiting US citizenship.