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

# Life insurance for welders

Welders build and fix the things we rely on. The work can mean fumes, very hot metal, and high places. BLS counts about 438,000 welding jobs.

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

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

**438,000**About 438,000 welder, cutter, solderer, and brazer jobs (437,700) (2025)[Source: BLS OOH: Welders, Cutters, Solderers, and Brazers](https://www.bls.gov/ooh/production/welders-cutters-solderers-and-brazers.htm)

**8.3**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)

**2.4x**the average risk at work, based on the BLS rates

[### welders coverage calculator

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

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

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

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

## Why it matters

In 2023, welding workers had a fatal injury rate of 8.3 per 100,000 full time workers. The rate for all workers was 3.5. That is more than two times higher.

If your family counts on your pay, life insurance can help them pay the bills. Work coverage usually ends when you leave the job. A plan you own stays with you.

* BLS says welders may be exposed to fumes, very hot materials, and intense light. Some work on scaffolds high off the ground.
* 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.

* Where you weld: shop, construction site, pipeline, or underwater
* Work at heights
* Any offshore or travel work
* Your age, health, and tobacco use
* Any lung or breathing problems

## Common questions

Can welders get life insurance?

Yes. Your job may affect your price. Insurers ask where and how you weld.

Does underwater or pipeline welding matter?

It can. Insurers often ask more questions about these jobs.

Does my job give me coverage?

It might. Work coverage usually ends when you leave. A policy you own stays with you.

What else affects my price?

Your age, health, and tobacco use matter a lot.

## 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: Welders, Cutters, Solderers, and Brazers](https://www.bls.gov/ooh/production/welders-cutters-solderers-and-brazers.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)

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)