---
title: Life Insurance by Job: Truckers, Trades, Nurses and More
url: https://coverfolk.com/jobs
updated: 2026-10-08
---

# Life insurance by job

Your job can change your price. Some companies are much better with risky work than others. Pick yours to see what insurers ask and why coverage matters.

[**7.7x** the average risk**Truck drivers**Long hauls, owner operators and company drivers.](/jobs/truck-drivers)[**5.3x** the average risk**Lineworkers**Power line crews who climb for a living.](/jobs/lineworkers)[**14.8x** the average risk**Roofers**One of the riskiest jobs in the country.](/jobs/roofers)[**4.4x** the average risk**Construction**Laborers, helpers and crew leads.](/jobs/construction-workers)[**2.2x** the average risk**Electricians**Union, open shop and self employed.](/jobs/electricians)[**Nurses**Night shifts, travel contracts and staff jobs.](/jobs/nurses)[**3.2x** the average risk**Police and fire**Coverage on top of what your department gives you.](/jobs/first-responders)[**Veterans**Options beyond VGLI and VALife.](/jobs/veterans)[**Rideshare and delivery**Gig drivers with no work benefits.](/jobs/rideshare-drivers)[**5.4x** the average risk**Farmers and ranchers**For farm and ranch families.](/jobs/farmers)[**Teachers**Coverage that stays if you change schools.](/jobs/teachers)[**Active duty military**What SGLI covers and where it stops.](/jobs/active-military)[**8.9x** the average risk**Pilots**Airline, cargo, charter and private pilots.](/jobs/pilots)[**4x** the average risk**Miners**Underground and surface mining crews.](/jobs/miners)[**28.3x** the average risk**Loggers**The most dangerous job in the country.](/jobs/loggers)[**24.8x** the average risk**Commercial fishers**Boats, crews and long trips at sea.](/jobs/fishermen)[**2.4x** the average risk**Welders**Shop, pipeline and structural welders.](/jobs/welders)[**Plumbers**Plumbers, pipefitters and steamfitters.](/jobs/plumbers)[**HVAC techs**Heating, cooling and refrigeration.](/jobs/hvac-techs)[**2.3x** the average risk**Mechanics**Auto, diesel and shop mechanics.](/jobs/mechanics)[**Warehouse workers**Pickers, packers and forklift drivers.](/jobs/warehouse-workers)[**Oil and gas**Rigs, wells and pipelines.](/jobs/oil-gas-workers)[**Correctional officers**Jails, prisons and detention centers.](/jobs/correctional-officers)[**EMTs and paramedics**Ambulance crews and first response.](/jobs/emts-paramedics)[**Doctors**Big student loans and a big paycheck to protect.](/jobs/doctors)[**Small business owners**Protect your family and your business.](/jobs/small-business-owners)[**Self employed**1099 workers with no work benefits.](/jobs/self-employed)[**Real estate agents**Commission pay and no group plan.](/jobs/real-estate-agents)[**Factory workers**Plant, line and production jobs.](/jobs/factory-workers)[**5.9x** the average risk**Landscapers**Lawn crews and tree trimmers.](/jobs/landscapers)[**Owner operators**Self employed drivers with a truck note to cover.](/jobs/owner-operators)[**Travel nurses**Benefits that stop between contracts.](/jobs/travel-nurses)[**Union members**What your union plan covers, and what it does not.](/jobs/union-members)[**Gig and 1099 workers**No employer, no group plan.](/jobs/gig-workers)

Risk at work

## How dangerous jobs compare

Fatal work injuries per 100,000 full time workers in 2023. The rate for all workers was 3.5.

[**Loggers**98.9](/jobs/loggers)[**Commercial fishers**86.9](/jobs/fishermen)[**Roofers**51.8](/jobs/roofers)[**Pilots**31.3](/jobs/pilots)[**Truck drivers**26.8](/jobs/truck-drivers)[**Landscapers**20.5](/jobs/landscapers)[**Farmers and ranchers**19](/jobs/farmers)[**Lineworkers**18.4](/jobs/lineworkers)[**Construction**15.4](/jobs/construction-workers)[**Miners**13.9](/jobs/miners)[**Police and fire**11.3](/jobs/first-responders)[**Welders**8.3](/jobs/welders)[**Mechanics**8.1](/jobs/mechanics)[**Electricians**7.6](/jobs/electricians)[**Warehouse workers**6](/jobs/warehouse-workers)[**HVAC techs**5.9](/jobs/hvac-techs)[**Plumbers**5.8](/jobs/plumbers)[**Nurses**0.5](/jobs/nurses)

**All workers**3.5

[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). Some groups are wider than the job name. Veterans and app drivers have no BLS rate.

## Questions about jobs and life insurance

Does my job change my life insurance price?

It can. Some companies charge more for risky jobs like roofing, logging or commercial fishing. Others treat many jobs like any other. An agent who knows your job can find the fair ones.

Is life insurance from work enough?

Usually not. Work plans often pay 1 or 2 times your pay and end when you leave the job. Many families need closer to 10 years of pay.

Can I get life insurance if I work a dangerous job?

Yes. People in high risk jobs get covered every day. Tell the truth about your job on the application so the claim gets paid.

Does life insurance pay if I die at work?

Yes. A regular life policy pays whether you die at work or at home, as long as the policy is in force and your application was honest.