Are you in a high risk job? Are you a fireman or an aircraft pilot? Or a fisherman? Or surprisingly an office worker? While high risk life insurance may usually be associated with life-threatening events, you would be surprised to know how many risks professions incur. While finance professionals on Wall Street incur the lowest risk of death on the job (0.3 deaths per 100,000 workers according to data from the U.S. Department of Labor), jobs like office jobs do wreak their toll on workers. Workers suffer from ill health due to long commutes, less exercise, stressful schedules and eating fast food daily. Accidents often occur as well and hence having accident life insurance grows imperative.

Other jobs like fishing have a much higher rate of accidents and deaths. In 2008, U.S. Department of Labor’s data shows that fishermen and fisherwomen die at the rate of 128.9 people per 100,0000 workers on the job. This can stem from conditions ranging from isolation from emergency supplies to rough seas and inclement weather. Other industries that are high risk include logging and flight.

However, the highest amount of fatalities stems from transportation-related deaths. Accident life insurance is very important thus to have. In addition, death from transportation is as high as 40.5% of workers. The second-highest cause of deaths is death on the job from equipments and objects, thus emphasizing the importance of accident life insurance. Of these deaths, 92% were male. Having life insurance is very important to protect workers and their loved ones.

Since the SGLI service ends 120 days after a member leaves the military, many members switch to Veterans Group Life Insurance (VGLI). Others buy their own term or life insurance policy. There is no reason to not have life insurance when you are in the military despite popular assumption. In fact, life insurance is available today for even operatives in dangerous roles like detonation experts!