Trades Life Insurance Guides | Blue Collar Workers Covered

Life Insurance for Self-Employed Tradesmen and 1099 Contractors

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Life insurance for self employed contractors: how carriers size coverage to Schedule C income, what documents they ask for, and what term costs by age.

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Life Insurance for Roofers, What Underwriters Ask and What It Costs

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Life insurance for roofers: why the trade is rated (48.7 deaths per 100,000 in 2024), what the application asks, what a flat extra adds and the no-exam limits.

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How Much Life Insurance Does a Tradesman Need? A Slow-Month Worksheet

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

How much life insurance do I need as a tradesman? Run 10x income and DIME on a three-year average, add the truck note, skip work coverage that ends in winter.

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Chewing Tobacco and Life Insurance: What Dip Does to Your Rate

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Life insurance chewing tobacco rules: most carriers rate dip as tobacco, a few price it between smoker and non-smoker, and the lab test cannot tell the source.

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