Shopping for life insurance for steel and iron workers can get a little complicated at times. But it has become much easier to apply and even see preferred rates being issued. Many people have had the opportunity of seeing a huge high rise buildings being built in major cities. These same spectators also know what kind of a risk the construction workers take. Especially to build us these high tech construction marvels. The job of an iron and steel worker is plain and simple. It’s a hazardous job but using safety measures can make a difference.
The dangers that are associated with construction industry fatalities have been well documented throughout the years. The number one leading cause of death in the building construction industry is from falls. This results in over 45% of the deaths related to the construction work employees.
The job of an independent insurance agent.
The independent insurance agents (like ourselves) also known as brokers have the advantage of having access to every life insurance company on the market. Independent insurance agents do not work for an insurance company as the captive agents do such as State Farm or Farmers for example. They can shop the market for you and pinpoint the company that will offer you the best life insurance rates. If you have medical conditions, they can run a valuable medical pre-screen to help them choose the most applicable carrier. They have your best interest in mind unlike the captive agents that have their companies best interest in focus.
Receiving the best life insurance rates for steel and iron workers will depend on the company you apply with.
What company you use is very important to finding the best life insurance rates. Some companies look at the occupation of an iron worker as a very dangerous job. You might say that some insurance companies have a fear of heights. Other companies look at it as just another job with a few more hazards involved. The important factor is letting the company you are going to apply with understand what you do each day. The more they know the better when it comes time to choose your rate classification. Any uncertainty in their minds could cause higher rates for them when insuring the unknown duties of a construction worker.
The best life insurance companies do their homework when it comes to the hazards of steel and iron workers.
Ironworkers face the hazards of a possible fall, flying objects accidentally released by other workers and even an impact from a piece of heavy equipment on the construction site. Even if you are the most careful worker on the site, unfortunately accidents can still happen. In the United States, the occurrence of job related fatalities are now even higher in the group of aging Ironworkers.
Construction workers over the age of 45 years of age have a higher accident rate than the younger workers.
This is due to the normal conditions that aging brings to the table. Such as slower reflexes to react to danger or a possible accident. Other conditions are some loss of muscle strength and reduced vision and hearing. These can alert a worker to danger and make a fast decision what to do. All this is perfectly normal and it is simply brought on by the aging process. Never the less it increases the odds of having a serious job related accident. Also consider medical conditions are more prevalent in the above 45 age class.
There are many dangers on a construction site which would increase the need for low cost Term life insurance for the Iron Workers.
The statistics will usually reflect the top of the list of the most dangerous jobs to have in the United States is the Steel and Ironworker. Structural and reinforced iron and metal workers are employed in all parts of the U.S. But most work in the major cities where the largest percentage of commercial and industrial construction takes place on a regular basis. This is where safety first is the most important goal.
The statistics show that work related deaths from falls among Ironworkers are over 10 times higher than the traditional construction worker. More Ironworkers are killed from falls than workers in any other construction type occupation put together. If there was a concern for purchasing low cost life insurance, it rests with the Ironworkers.
Many construction occupations can be very hazardous and require High Risk life insurance. We can help make your coverage affordable.
The Ironworker faces many dangerous job related conditions on a daily occurrence reinforcing their ranking as one of the most dangerous jobs you can have. Some of the hazardous conditions that Ironworkers have to deal with are working with large and very heavy materials that must be lifted usually by cranes and placed into position by hand. The Ironworker can be found working on unstable working surfaces increasing their very hazard conditions on a daily basis.
The exposure to extremely heavy building materials and heavy equipment also increase the risks.
The continued movement of heavy building materials such as steel girders by cranes or forklifts could impact the Ironworker knocking them off a highly elevated working surface. Also being trapped between loads could accidentally crush them between two objects. Another issue that comes up with the Ironworker is controlling and directing a heavy load of construction materials into a work area.
A good sense of balance is crucial and any fear of heights can cause a panic situation that could increase the odds of a fall. If a worker is on a high rise building project with heights sometime over 100 floors, a fall to the ground could unfortunately spell certain death.
If any of this sounds confusing, just pick up the telephone and give us a call seven days a week.
Do not hesitate to grab the telephone and call us for immediate answers to your questions. You should also take advantage of our free life insurance quote engine on the right. You can get a head start and see all your options and premiums from over 40 of the top life insurance companies. Take a moment to read our about us page to learn more about us and our life insurance business.