Life Insurance Information

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By: Kade Phillips, contributing writer at Kanetix.com.

Many of us don’t think twice about our safety when we head off to work, but have you ever considered how safe you are on the job? Many jobs are risky. Some are highly dangerous. The following is a list from the U.S. Department of Labor of the most dangerous jobs out there, by fatalities, in 2005:

• Agriculture, forestry, fishing and hunting
  With a total of 714 fatalities in 2005, this sector has the most fatalities with 32.5 per 100,000 workers.


• Mining
  In 2005, there were 159 fatalities reported in the mines which equal 25.6 fatalities per 100,000 workers.


• Transportation and warehousing
  This sector, which covers air, rail, water and ground activities had 881 deaths reported in 2005 making it next on the list for most dangerous jobs with 17.6 fatalities per 100,000.


• Construction
  With 11 deaths per 100,000 workers (1,186 reported deaths) in 2005, construction is the fourth most dangerous job out there

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The four industries listed above are the most dangerous when it comes to deaths resulting from activities on the job. Whether it’s a result of traffic accidents, falls or being struck by an object, these jobs can kill.

To give you an idea on how dangerous these jobs are, compare them to the average fatality rate for all jobs which is 4 deaths per 100,000 workers.

Whether you work in an industry that’s considered dangerous or not, you owe it to your loved ones to consider what effects your untimely demise would have on them and their well being. Life insurance, while not inspiring the most riveting cocktail party conversation, is a sure way to show that you cared enough about your loved ones to plan for even such a catastrophe.

You should seriously consider life insurance if:

You’re married, and you wish to protect your spouse financially.

You have children, who would suffer severe financial hardship if you were to die.

You have a mortgage, and your family could not afford the payments without your income.

You are self-employed, and your loved ones would be without an income if you were to expire.

You have parents or other family members who depend on your income.

Your retirement savings or other accounts won’t adequately support your loved ones.

Your debts, like credit cards and car loans would be a financial burden to your survivors should you pass on.

Remember that life insurance is one of the best ways to financially protect your loved ones if you should expire unexpectedly. Life insurance is one of those things that you actually don’t do for yourself, but for those who are most precious to you. It is an act of love to make sure that your death would not impact those that you care about in an even more negative way.

Without adequate life insurance, many survivors have been left not only emotionally impacted, but financially devastated as well. Don't leave this important aspect of a financial plan to chance if you truly care.

Customized Term Life Insurance coverage is available to fit your exact needs, because you can tailor the coverage with regard to the exact amount of coverage that you require and can afford, and you designate the beneficiary or beneficiaries that are appropriate to your circumstances.

You can get and compare term life insurance quotes online instantly today through Kanetix. Round out your financial plan, and feel great that your loved ones are protected, even in the unfortunate event of your own unexpected demise.


Kade Phillips is a contributing writer at Kanetix.com,
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