---
title: Life Insurance for Electricians | Coverfolk
url: https://coverfolk.com/jobs/electricians
updated: 2026-10-08
---

# Life insurance for electricians

Electricians work with power every day. BLS says shocks, falls, and burns are the main injury risks.

[Find my coverage gap](/jobs/electricians/calculator)

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

**821,000**About 821,000 electrician jobs (2025)[Source: BLS OOH: Electricians](https://www.bls.gov/ooh/construction-and-extraction/electricians.htm)

**7.6**fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobs[Source: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)

**2.2x**the average risk at work, based on the BLS rates

[### electricians coverage calculator

Your pay, your loans, your work plan. See the gap in 30 seconds.

Open](/jobs/electricians/calculator) [### If you die on the job

What workers comp, work plans and Social Security pay, and what they don't.

Open](/jobs/electricians/on-the-job-death)

## Why it matters

In 2023, electricians had a fatal injury rate of 7.6 per 100,000 full time workers. The rate for all workers was 3.5.

Some electricians work for a shop. Some run their own. Either way, a policy you own keeps your family covered if your job changes.

* About 7 percent of electricians are self employed and have no employer plan.
* Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.

## What an insurer may ask you

Have these ready. Being honest up front gets you a real price and avoids problems at claim time.

* Residential, commercial, or industrial work
* Work at heights
* Work near live circuits
* Do you own the business?
* Health, age, and tobacco use

## Common questions

Will being an electrician raise my price?

It might. Insurers look at your job, age, health, and tobacco use.

Is my work plan enough?

A basic work plan often pays one or two times your yearly pay. It usually ends when you leave.

What if I start my own shop?

You lose the work plan. A policy you own stays in place.

## Coverage people in this job pick

[**Term life: The most coverage for the least money, for 10 to 30 years.**](/coverage/term-life)[**Mortgage protection: Life insurance sized to your home loan, so the house stays paid.**](/coverage/mortgage-protection)[**Final expense: Small whole life plans that pay for a funeral and last bills.**](/coverage/final-expense)[**Does my job change what I pay for life insurance?**](/answers/does-my-job-affect-life-insurance)[**Is the life insurance from my job enough?**](/answers/work-life-insurance-enough)[**How much life insurance do I need?**](/answers/how-much-life-insurance-do-i-need)

## Sources

1. [BLS OOH: Electricians](https://www.bls.gov/ooh/construction-and-extraction/electricians.htm)
2. [BLS CFOI: Civilian occupations with high fatal work injury rates, 2023](https://www.bls.gov/charts/census-of-fatal-occupational-injuries/civilian-occupations-with-high-fatal-work-injury-rates.htm)
3. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)
4. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)

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