HVAC techs coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, HVAC mechanics and installers had a fatal injury rate of 5.9 per 100,000 full time workers. The rate for all workers was 3.5.
BLS says HVAC techs have one of the highest rates of injury and illness of all jobs. If your family counts on your pay, life insurance can help them.
- BLS says HVAC techs have one of the highest rates of injuries and illnesses of all jobs, including burns from electrical parts or chemicals.
- 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.
- Home or commercial work
- Roof and attic work
- Whether you are self employed
- Your driving record
- Your age, health, and tobacco use
Common questions
Can HVAC techs get life insurance?
Yes. Your job may affect your price a little. Your age and health matter most.
Does my company give me coverage?
It might. Work coverage usually ends when you leave. A policy you own stays with you.
I work for myself. What then?
There is no employer plan when you work for yourself. Any coverage is up to you.
Do they check my driving?
Some insurers do. Many HVAC techs drive all day for work.
