Taking out life insurance is a thoughtful move to ensure that your family will be financially looked-after in the event of your untimely death. Holding a life insurance policy is an especially good idea if you work in a particularly hazardous occupation – with many insurers classifying specific lines of work as high-risk.
However, it’s not just insurers who know which jobs are among the most perilous. Here are several examples of careers for which having a life insurance policy can feel like rather more than just a “good idea…”
According to an article by newbusiness.com, work considered risky by insurers includes that regularly undertaken at heights exceeding 12 meters.
The work of a lineman would certainly be in that category; in the UK, for example, the National Grid’s electricity pylons are generally at least 36 meters tall. So, it’s easy to understand why climbing over high-voltage power lines in adverse weather like wind, rain and hail can be daunting stuff.
There’s something that seems very romantic about being a bush pilot. You get to soar over stunning scenery in a single-engine plane – it all sounds like something out of a film. However, it’s not a film that you could be certain will have a happy ending, given the risk of crashing the plane somewhere horribly remote.
Grunge cites bush pilot David Skelhon’s claims that, in the northern wilderness, airstrips lack any control tower and can be miles from the nearest paved road – underlining the danger of this profession.
Working underwater is something else that can hit you hard in your life insurance premiums – which is why, if you are an employer of anyone who works underwater, they could easily appreciate you providing them with employee life insurance.
One good example of a dangerous task often carried out below sea level is welding. Yes, when surrounded by the wet stuff, you would not be exposed to poisonous fumes or oppressive heat, as you would when welding on land – but you would still run the risk of getting trapped in a high-pressure area and drowning.
In dozens of countries, there are still wartime mines buried in the ground. Even decades after they were placed, these mines can explode as a result of anyone stepping on or driving over them.
While most landlines can be neutralized using relatively basic techniques like throwing dynamite at them, improvised explosive devices (IEDs) such as those used in Iraq are much trickier to defuse, even by people thoroughly experienced in removing landmines.
No, snakes don’t produce milk, you probably won’t be surprised to be told. However, there is such a job as snake milking; it involves removing venom from live snakes’ fangs so that it can be used to create anti-venom, the world’s only substance capable of saving lives from snake bites. Most snake milkers are, at some point, bitten by whatever snake they happen to be handling at the time. This can happen several times, necessitating multiple hospitalizations – and possibly time off spent on life support.