Life Insurance for Loggers

If you are a logger and you are looking for insurance you have stumbled across the right place! We understand the stress that comes with life insurance, don’t let that stress ruin the time you have with your family! Here at InsureChance we work with over 60 top rated companies so let us help you find the best policy type and rate for you and your family. It can be hard to find life insurance if you are a logger and the following are some key points of this article;

  1. Since it is so easy for a logger to be injured it is a higher risk of death than other jobs.
  2. According to the U.S Department of Labor logging is the #2 most dangerous jobs.
  3. Since most life insurance companies base their judgment on statistics, this is why many offer either a high rate or simply not insure you.
  4. Insurance companies do a pre-screening.
  5. This way the underwriters have a bigger and more clear picture of what exactly you do as a logger to properly process the application.
  6. If you never had any workplace injuries then the light in the end of the tunnel just got a little brighter because if you have an excellent record it can make a big difference on your acceptance or not.
  7. In order to find a life insurance company, your best bet is to find an independent life insurance brokerage that has a large list of companies to try and get you insured with.
  8. Recently the forest industry started offering safety classes to help reduce the accidents that occur in the field.

 

Why is it difficult for loggers to find life insurance?

For starters, as a logger, you probably harvest timber from the forest. That being said you probably use a lot of heavy tools that with a slip of a finger you can hurt yourself. Even where you work is dangerous, nature is a lot more dangerous than you may have thought. For example, rain, ice, snow, wild animals or venomous snakes are what you probably face daily as a logger. Since it is so easy for a logger to be injured it is a higher risk of death than other jobs. According to the U.S Department of Labor logging is the #2 most dangerous jobs. Since most life insurance companies base their judgment on statistics, this is why many offer either a high rate or simply not insure you. But don’t give up, just give us a call 888-492-1967.

What else do life insurance companies look at?

Life insurance companies are very thorough when it comes to insuring a logger. Based on what we read above about the job of a logger and how dangerous it can be, insurance companies do a pre-screening. For example, they may ask for a specific, more detailed description and of your daily duties. This way the underwriters have a bigger and more clear picture of what exactly you do as a logger to properly process the application. They also look at your history as far as health to make sure you didn’t have any work related injuries while doing your daily job.

What if I never had any workplace injuries?

If you never had any workplace injuries then the light in the end of the tunnel just got a little brighter because if you have an excellent record it can make a big difference on your acceptance or not. For example, if you are a “faller”, someone who cuts the tree down, you may have a better chance of obtaining life insurance versus the “chokers”, who are the ones that drag out the chains and attach to the tree the “fallers” cut down and lift it with a heavy machinery or helicopter. Since the “chokers” operate heavy machinery it can harm them more than help them but so can fallers, it really depends on the life insurance company and how they view loggers. Because maybe they view both as equally dangerous or maybe one less than the other.

How will I find an insurance company that will accept my occupation?

In order to find a life insurance company, your best bet is to find an independent life insurance brokerage that has a large list of companies to try and get you insured with. Here at InsureChance we work with many companies that take clients with hazardous occupations or medical conditions.

The future is among us!

It’s about time people are noticing how dangerous logging can be as a career. It is also unfair that they offer high premiums or even deny you because you are a logger. I mean I’m sure you didn’t choose this career to get denied a future for your family! Especially if you are the family breadwinner, because without life insurance your spouse and family will have to pay out of pocket costs for not only your funeral which cost thousands of dollars but also living without a breadwinner. Recently the forest industry started offering safety classes to help reduce the accidents that occur in the field. Hopefully at this rate insurance companies can offer a better rate or overlook the loggers with safety training, because then at least they can be assured that as a logger you are aware of all safety procedures and have a lower risk of death of occupation.

Work with us!

Don’t give up the opportunity to provide for your family after you’re gone! Let us make life a little more simple for you and your family. Since we have a variety of insurance companies under us we can make this process easier and quicker for you to stop spending your time worrying and start spending that time enjoying life with your family. Not only do we do all the dirty work in the back we also guarantee a lifetime support so if you ever need to make any changes to your policy or have any questions you can always contact us! Call us at 888-492-1967, welcome to InsureChance!

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About Mack Dudayev

Mack is owner and life insurance expert at InsureChance. On a mission to create a way everyone can understand, afford and attain the right life insurance coverage to protect their financial responsibilities.

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