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

# Life insurance for electrical lineworkers

Lineworkers keep the power on. The work is high up and close to live wires. BLS says these workers face serious hazards on the job.

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

Updated October 8, 20265 sources[Fact checked](/editorial-standards)

**131,900**About 131,900 electrical power line installer and repairer jobs (2025)[Source: BLS OOH: Line Installers and Repairers](https://www.bls.gov/ooh/installation-maintenance-and-repair/line-installers-and-repairers.htm)

**18.4**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)

**5.3x**the average risk at work, based on the BLS rates

[### lineworkers coverage calculator

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

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

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## Why it matters

In 2023, electrical power line installers and repairers had a fatal injury rate of 18.4 per 100,000 full time workers. The rate for all workers was 3.5.

Many lineworkers travel for storm work or change employers. Life insurance from a job usually ends when you leave. A policy you own keeps your family covered.

* OSHA lists contact with power lines as one of the most common causes of electrical injuries.
* 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.

* Do you work on energized lines, and at what voltage?
* How high you climb or work from a bucket truck
* Storm or travel work
* Your employer or union
* Health, age, and tobacco use

## Common questions

Can lineworkers buy life insurance?

Yes. Your job may affect the price, since insurers look at your job when they set rates.

Is my union or work plan enough?

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

What will the insurer ask about my work?

Expect questions about heights, live lines, and travel. Answer honestly so your policy holds up.

## 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: Line Installers and Repairers](https://www.bls.gov/ooh/installation-maintenance-and-repair/line-installers-and-repairers.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. [OSHA: Electrical](https://www.osha.gov/electrical)
4. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)
5. [Texas Department of Insurance: Do you need life insurance?](https://www.tdi.texas.gov/tips/life-insurance.html)

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