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.

roofershigh risk occupationflat extratable ratingno exam life insuranceliving benefits

Life Insurance for Construction Workers, Trade by Trade

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Life insurance for construction workers: how roofers, framers, ironworkers and operators are rated, whether a job-site death pays, and how to size the premium.

construction workersroofersironworkershigh risk occupationliving benefitsno exam life insurance

Does Your Job Make Life Insurance More Expensive? Trade by Trade

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Does my job make life insurance more expensive? It can, with a table rating or a flat extra, but many trades are priced on health. See 2024 BLS rates by trade.

occupation ratingtable ratingflat extrahigh risk jobsrooferstruck drivers