By occupation
Life insurance for pilots
Pilots can get level life insurance without an aviation exclusion - if you apply to the right carrier. Here's how flight hours, ratings and aircraft type shape your flat extra.
For the jobs the calculators flag
Life insurance for high-risk work - priced fairly, not punished.
Pilots, divers, firefighters, military, riggers. Your job changes how you're underwritten - through flat extras and exclusions most agents don't understand. We do, and we show you which carriers actually write your occupation.
Occupation-specific, not generic quotes
We explain flat extras and exclusions in plain English
Written by risk editors, reviewed by licensed agents
Start here · Pillar guide
Life insurance for high-risk jobs
A dangerous job changes how you're underwritten - it rarely stops you getting covered. Here's how flat extras, exclusions and carrier choice work for high-risk occupations.
Read the complete guideEvery occupation guide answers the same four questions: how insurers price your job, which carriers are friendliest to it, whether you'll face an exclusion, and how to get level coverage that pays out on the job - not just off it.
Guides & comparisons
9 in-depth articlesBy occupation
Life insurance for commercial divers
Commercial diving is high-risk underwriting - but insurable. Here's how depth, saturation diving and environment shape your flat extra, and how to avoid a diving exclusion.
By occupation
Life insurance for firefighters
Firefighters are often underwritten more gently than they expect. Here's how career vs. volunteer status, department benefits and presumptive-illness risk shape your coverage.
By occupation
Life insurance for military & veterans
SGLI and VGLI are a start, not a plan. Here's how service members and veterans can get portable private life insurance - and what to watch for with deployment and aviation duties.
By occupation
Life insurance for offshore oil & gas workers
Offshore energy work is priced with a flat extra, not a decline. Here's how your role, rotation and whether you dive or fly to the rig shape your life-insurance cost.
By occupation
Life insurance for police officers
Most police officers are underwritten close to standard rates. Here's how role, assignment and portability affect your coverage - and why department cover isn't a full plan.
How underwriting works
How insurers price occupational risk
The flat extra is the tool insurers use to price a dangerous job. Here's exactly how it works, how to calculate its cost, and how to make sure yours is fair.
By occupation
Life insurance for construction & high-elevation workers
Roofers, ironworkers, tower and crane crews face height-related underwriting. Here's how working at elevation is priced with a flat extra - and how to keep that number down.
How underwriting works
Occupation exclusions vs. full coverage
An occupational or aviation exclusion lowers your premium but won't pay if you die doing your job. Here's when an exclusion is acceptable - and when it defeats the purpose.