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How to Buy Life Insurance for Loggers

How to Apply for Life Insurance for Loggers & Secure the Best Rates in [2022]

Can I purchase life insurance if I am a logger? If you have been shopping for the best life insurance for loggers. Youlife insurance for loggers probably heard that logging is a high-risk occupation, and life insurance may be hard to get. For the most part, logging can be somewhat of a risky trade, depending on your exact job duties.

But there is nothing to worry about as long as your health history is good. You can easily apply and be approved for several different types of life insurance for loggers with no problem. In addition, many excellent life insurance companies have a positive outlook on the logging industry.

Modern-day safety rules, regulations, and equipment have made the occupation much safer than in the past. As a result, some of the best life insurance companies in the nation will offer preferred rates for loggers. This blog post will answer most of your questions concerning the logging industry’s life insurance.

As long as you’re healthy, you have an excellent chance to receive preferred rates and very affordable premiums. Using a suitable carrier is an important option when applying for life insurance for loggers.

Can an Independent Agent Help Me Find the Best Rates?

You can consume a lot of time, as you know, going from one website to another. You will have many questions you want answers to but can’t find them all on a website. That is why connecting with an agent and letting him do all the work is the smart way to go right from the beginning.

While your Stihl chainsaw may be your most important tool on the job, your independent agent (broker) is your tool to help you get answers to all your questions. There are two different types of insurance agents you can work with.

Independent Agents:

Independent agents do not work for any insurance companies. In essence, they work for you at no cost whatsoever. They represent over 40 of the top life insurance companies and can help you choose which one would be fit for your specific needs. In other words, they can shop the entire market, so you receive the lowest rates.

Captive Agents:

A captive agent works for an insurance company such as State Farm, an auto insurance company. They can only sell one product offered by their employer. They cannot shop the market as a broker can. This means you are limited to only one choice in life insurance companies. The bottom line is you will always pay more money than you should for your life insurance. This holds with all forms of insurance, not just life insurance.


Is Logging Covered on a Life Insurance Policy?

If you apply for a life insurance policy, you will find some questions about risky occupations and sports. Make sure you honestly answer all of these questions. In addition, you will want to ensure that your new life insurance company understands that you are a logger and your duties.

Don’t worry because they will not forget to ask. Your logging will be covered under your new life insurance company with no problem. A health classification change or a flat extra charge may be added, but you will be covered for logging.

Who Are the Best Life Insurance Companies for Loggers?

All life insurance companies look at high-risk occupations and lifestyles differently. Each life insurance carrier has its way of underwriting applications. This is why researching what company to use before applying is essential. If any of our applicants have medical conditions, we usually run a simple medical pre-screen to eliminate surprises during the underwriting process.

Anytime you apply for life insurance with an occupation that the companies call risky, everything else becomes even more critical. Therefore, pre-screening an applicant with multiple companies is the only way to determine who will offer the applicant the lowest rates.

Here are some of the companies that offer excellent rates for loggers:

  • Banner Life
  • Prudential 
  • Liberty Financial
  • Protective Life
  • AIG American General

Can My Specific Job Duties Affect My Rates?

Suppose you are a Jobsite supervisor (that does no manual labor) or a Faller, Machine Operator, or Choker. Your job description will tell a lot about how hazardous your workday will be. But, even if your specific duties are some of the more hazardous ones on the job, don’t worry. You can still receive excellent rates from many top-rated insurers.

Thankfully the life insurance industry understands the safety rules and regulations implemented daily. This drastically reduces many of the dangers that used to be prevalent in the past. The carriers pay close attention to logger injury and fatality statistics closely. Life insurance quotes for loggers can vary solely by their job description.

Smoker rates can increase your premiums by up to 300%, even if you are in excellent health. Cigarettes cause the highest increase, and even chewing tobacco can place you in an expensive tobacco rate class.

How Much Does Life Insurance for Loggers Cost?

It may not cost any more than an office worker’s life insurance would in many cases. It depends mainly on your health, considering medical conditions, tobacco use, and height and weight issues. If you are a supervisor and do not do manual labor, you could easily qualify for preferred rates if you are reasonably healthy.

Many loggers that fell trees can also receive preferred or standard plus rates with some companies. You can see for yourself using our instant life insurance quotes and comparison tool. You can toggle the “health class” drop-down menu to get an idea of what your premiums could be. Take your overall health history when you do this. You can also call us on the telephone, and we will do it for you.

I recommend using the “standard” health class: in the drop-down menu just for starters. Then, you can compare life insurance quotes for loggers from over 40 companies in minutes.


Why is a Flat Extra Fee Sometimes Used for Loggers?

A flat extra fee is an extra charge added to the base premium that can be applied to cover a very high-risk application.

This extra charge is called a “Flat Extra” charge. This is a charge where a dollar amount is added to the base premium to cover the additional risk. Here is a straightforward example of how it works:

We will use a fictitious 20-year-old logger named Joe, who applies for a $100,000 face amount life insurance policy for 20 years. For example, Joe’s base premium for the policy is $1,000.00 per year. However, Joe has a dangerous job, and the life insurance company charges a $2.50 per 1,000 in coverage flat extra fee.

This fee would be added to Joe’s base premium. Since the flat extra is charged per $1,000.00 in coverage and Joe is applying for $100,000, the total would be an extra $250.00. Therefore, the base premium of $1,000.00 would be added to the $250.00 flat extra for a total of $1,250.00 per year. 

Flat extra fees are not applied to all loggers, just those with hazardous job duties. As a result, fewer flat extra charges are added than in the past.

Where Can I Find the Lowest Rates for Loggers?

Finding the lowest life insurance rates for loggers begins with using an insurer that is very liberal towards the logging industry. We have provided life insurance with the most competitive rates for over 30 years because we represent all the most competitive companies.

We shop the market hard to find what company would offer you the best health classification. A health classification, otherwise known as a rate classification, will inevitably decide how low your premiums will be. If we are unsatisfied with the rates offered by a company you apply with, we send your application to multiple other companies for their best offer.

In addition, we will often go back to the original carrier and ask for reconsideration to reduce your rates by issuing you a better rate classification. Either way, we can safely guarantee you the lowest rates you qualify for.


What Type of Life Insurance Should I Apply for?

You have two main choices, and the most cost-effective option is affordable term life insurance. Term insurance will be your most logical choice regarding low premiums and maximum protection for your hard-earned dollar. Your other choice will be the permanent type of life insurance called Universal Life. The universal life policy will never terminate as a term does as long as you keep paying your premium.

The side effect of universal life is the cost factor. Universal life will cost over twice as much as term life insurance products. Over 95% of Americans will choose term products every time. Term life insurance quotes for loggers will be the most cost-effective plan designs with no close second. You also have two optional benefits for term life insurance for loggers.

The first is No Medical Exam life insurance and Return of Premium life insurance. The No Exam policies eliminate the need for a physical exam, and the Return of Premiums plans return 100% of your premium dollars if you outlive the term period. Click on these links below for more information.


Can I Apply for life insurance for loggers Over the Telephone?

Applying for life insurance for loggers over the telephone is the best way to apply. It makes paper and online applicationsbest life insurance for loggers obsolete. If you have ever applied in the past and had to complete a long-drawn-out paper application, you are in for a treat. You don’t have to worry about writer’s cramps anymore. The well-designed modern telephone applications are efficient and quick.

The girls in the telephone application department call you to schedule a time to complete the application. You can then complete your application over the telephone at a time that works for you. Applying takes about 15-20 minutes, and all you have to do is answer a series of simple questions.


Pre-Screen Your Application Before You Begin to Apply

One of the smartest precautions you can take is having your agent pre-screen your application before you ever apply. This quick 10-minute process will tell you what obstacles you may encounter.

This can stem from risky occupations, sports & hobbies to medical conditions that could impact your rates. It would help if you always got an idea of what will happen before you decide to apply.

We do this for all applicants to ensure we don’t have any unwanted surprises while the application is underway. This will also provide you choose a company that offers you the lowest rates.


Why Should You Consider Working With Us?

Purchasing life insurance for loggers is a serious matter, and you need help from qualified professionals to help you make the right decisions. You will enjoy our service if you appreciate honest and direct answers to all your questions.

You won’t find any dog and pony show, sales fluff, or typical sales-related BS here. Instead, we will show you how to apply with the right company and get approved with the lowest rates possible.

If you are not ready to apply, that is fine; we want you to move at your own pace. We will answer your questions and give you all the help you need without cost or obligation.


How Can I Compare the Best Life Insurance Quotes for Loggers?

On our website, you can compare the best life insurance quotes for loggers on our instant quote comparison system. You can review the best life insurance quotes from over 40 of the most competitive companies in less than a minute. In addition, if you have any health conditions, you can call us, and we will pre-screen your medical conditions and give you an accurate quote right over the phone.

In Conclusion 

As I stated at the beginning of this blog post, purchasing life insurance for loggers is straightforward. Don’t hesitate tobest life insurance for loggers call us with any questions you may have. We are available seven days a week from 9:00 AM to 9:00 PM.

The best time to apply for life insurance is right now because the longer you wait, the higher the premiums will be. I hope this blog post has answered many of your questions. Be careful out there!

All the best,

Jack Venturi

If you have any questions concerning life insurance for loggers, contact us today and let us help with no cost or obligation. We are brokers and work for our clients, not insurance companies. Our job is to help you get approved for the best policy at the lowest rates possible. You can also set up a specific time to get all your questions answered. 


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (708)-334-6226 and online.

Medical Pre-Screening

pre-screen your health conditions If you have any medical conditions, request a five-minute pre-screen by completing our electronic form. We will prepare a custom quote specifically for you with an accurate premium projection based on your health conditions.

Just click this link to activate our online pre-screening questionnaire, and we will do the rest. This will help you get an accurate idea of your rates if you apply for life insurance. This form is confidential, secure, and encrypted, and it’s a snap!

Medical Pre-Screening