---
title: Life Insurance for Oil and gas workers | Coverfolk
url: https://coverfolk.com/jobs/oil-gas-workers
updated: 2026-10-08
---

# Life insurance for oil and gas workers

Oil and gas work pays well, but it is hard. Crews may spend weeks away from home and work long shifts 7 days a week. BLS counts about 113,000 oil and gas worker jobs.

[Find my coverage gap](/jobs/oil-gas-workers/calculator)

Updated October 8, 20263 sources[Fact checked](/editorial-standards)

**113,000**About 113,000 oil and gas worker jobs (112,700) (2025)[Source: BLS OOH: Oil and Gas Workers](https://www.bls.gov/ooh/construction-and-extraction/oil-and-gas-workers.htm)

[### oil and gas coverage calculator

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

Open](/jobs/oil-gas-workers/calculator) [### If you die on the job

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

Open](/jobs/oil-gas-workers/on-the-job-death)

## Why it matters

CDC says fatal injury rates for oil and gas workers have been about seven times higher than for all US workers. Vehicle crashes caused about 1 in 4 deaths from 2014 to 2019.

Many workers in this field work for contractors. If your family counts on your pay, a plan you own stays with you from job to job.

* CDC says oil and gas extraction workers have had fatal injury rates about seven times higher than all US workers.
* From 2014 to 2019, about three out of four oil and gas deaths were among contractor workers. Vehicle crashes were the top cause.

## What an insurer may ask you

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

* Onshore or offshore work
* Your job, like driller, roustabout, or truck driver
* Travel to remote sites or overseas
* Work with explosives or well servicing
* Your driving record
* Your age, health, and tobacco use

## Common questions

Can oil and gas workers get life insurance?

Yes. Your job may affect your price. Insurers ask what you do and where.

Does offshore work matter?

It can. Insurers often ask if you work offshore.

I work for a contractor. Do I have coverage?

Ask your employer. Work coverage usually ends when you leave the job.

Why do they ask about driving?

CDC says vehicle crashes were the top cause of oil and gas deaths from 2014 to 2019.

## 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: Oil and Gas Workers](https://www.bls.gov/ooh/construction-and-extraction/oil-and-gas-workers.htm)
2. [CDC MMWR: Fatalities in Oil and Gas Extraction Database, 2014 to 2019](https://www.cdc.gov/mmwr/volumes/72/ss/ss7208a1.htm)
3. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)

Other jobs

## We cover a lot of hard jobs

[**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)