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Top ten most dangerous jobs
Do you work in a dangerous occupation? According to
the Bureau of Labor Statistics, the top 10 most
dangerous jobs are:
1. Timber cutters
2. Airplane pilots
3. Construction laborers
4. Truck drivers
5. Farm occupations
6. Groundskeepers
7. Laborers
8. Police and detectives
9. Carpenters
10. Sales occupations
Do you have the life insurance protection you need?
It's a fact that some occupations are riskier than
others. But no matter what you do for a living, take
a look at your life insurance needs. Life insurance
can help you financially protect your loved ones
after you die. If you're single, and no one is
depending upon your income for support, you probably
don't need life insurance. But if any of the
following is true, consider buying life insurance:
You're married and your spouse depends on your
income
You have children
You have an aging parent or disabled relative who
depends on your income
Your retirement savings, pension, or other cash
accounts won't adequately support your loved ones
after you die
You have a large estate and expect to owe estate
taxes
You own a business
Calculators and worksheets are available online to
help you determine how much life insurance you need.
You may want to contact an insurance agent or broker
who can help you determine what type of life
insurance is best for you and the amount of coverage
you need.
Do you have the disability insurance you need?
If you work in a high-risk occupation, you probably
know how important it is to have disability
insurance coverage. But don't rely on government
programs such as Social Security and workers'
compensation as your main source of protection. In
reality, government programs pay only limited
benefits under restrictive terms (e.g. you must meet
a strict definition of disability to qualify).
Your employer may offer group disability insurance
at low or no cost to you. But you may also want to
consider purchasing an individual disability
insurance policy. Although you'll pay more for
individual coverage than for a group policy, you
often get more benefits. And keep in mind that if
you leave your job or otherwise terminate your
relationship with a group, you can't take your
disability policy with you, and you usually can't
convert it to an individual disability policy. This
means that you may be left without disability
coverage when you need it most.
Shop around for coverage
Since many different types of life and disability
policies are available, it's important to shop
around for coverage to find a life insurance
policythat meets your individual needs. Since
premium costs vary widely, get quotes from several
insurance companies. Just make sure you're comparing
policies that offer similar benefits.
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