Trades Life Insurance Guides | Blue Collar Workers Covered

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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Accidental Death Insurance vs Life Insurance: Why AD&D Is Not a Plan

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Accidental death insurance vs life insurance: AD&D pays only on a covered accident, life insurance on death from any covered cause. Why free AD&D is not a plan.

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What Is the Money Plan for Retiring Early From the Trades?

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Half of blue collar workers claim Social Security at 62, a 30 percent cut for life. Here is the five-part money plan to retire early from the trades on purpose.

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Living Benefits Life Insurance Explained, and the Injury Question

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Living benefits life insurance pays part of the death benefit early after a qualifying terminal, chronic or critical illness. A job injury rarely counts.

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