"Every man has a right to risk his own life for the preservation of it." —Jean-Jacques Rousseau
When it comes to life insurance, risk has two sides: the risk that comes from poor health and the risk that comes from, well, risky behavior. And unless you’re Tom Cruise in 1983, most insurers and accountants will probably tell you risky business is a bad thing.
But you know what? If you're okay with a little risk, we are, too. Trusted Quote has helped people with jobs traditionally thought of as risky, like law enforcement, save money on their life insurance policies. After all, risk is relative. One company may view you as a risk, while the next doesn’t see anything wrong with sword swallowing as a hobby.
Because finding that best rate can be time-consuming, you can have us do the legwork for you. Get quotes from more than 40 carriers all at once, so you can pinpoint the one low rate you’re looking for. That gives you more time to detail your Ducati before it's time for scuba diving lessons.
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Many insurers consider motorcycle riding a risk.
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Boy, that’s a loaded question. In terms of life insurance, high-risk behavior usually involves dangerous hobbies. The relative danger of a hobby or pastime is evaluated by insurance actuaries, whose job it is to translate risk into the price you pay for your policy. That's why some people refer to high-risk life insurance as accident insurance. Here are a few activities considered high risk:
If your job requires you to do any of the activities listed above, you’ll probably be classified as “high risk.” Here are a few jobs that routinely get labeled as high-risk occupations:
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Health problems that often occur with age, such as arthritis, may put you into the high-risk category.
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The other side of the risk-evaluation coin has to do with your health. Maybe you have a nice, safe desk job, but you’re battling a chronic condition such as asthma. The insurers see you as a risk, just as they do a private pilot or a construction worker.
Of course, the exact details of your health and history will greatly affect your rate. A mild case of asthma, for example, is much less risky from an insurance standpoint than advanced multiple sclerosis.
Here’s a brief run-down of some common conditions that will affect what you pay for life insurance:
If your risk comes from a diabetes diagnosis or from your history as a smoker, we’ve got more information about these two situations.
If you think you might be a high-risk candidate for life insurance, give us a call at 800-823-4852. We’ll figure out whether that’s true, and if so, how to get you insured without paying a fortune.
To get started, click the orange button for an instant, no-obligation quote.
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Sources:
DailyFinance.com: 7 Deadly Hobbies
Governors Highway Safety Association: New Study: No Progress in Reducing Motorcyclist Deaths
HSE.gov.uk: Risk Education Statistics
RiskManagementMonitor.com: The 10 Most Dangerous Jobs in America
Rootfin.com
Need immediate assistance? Call 1-800-823-4852 from 8am to 5pm PST Monday through Friday.
Copyright 2002-Present Pinney Wholesale Insurance Services - All Rights Reserved 2266 Lava Ridge Court, Roseville, CA 95661
*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female
^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.
R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.