Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

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There’s no doubt about it, construction workers and laborers not only have some of the toughest jobs, but also some of the most dangerous. When it comes to life insurance for construction workers and laborers, we find that many of them are severely underinsured for the type of work they are performing on a daily basis.

When speaking with construction workers and laborers about life insurance coverage, a common concern is that many feel that they will pay a fortune for coverage or worse, will not qualify for coverage at all due to their risky and hazardous occupation.

The truth is the majority of construction and laborer jobs will have no problem qualifying for life insurance coverage without any penalties, extra fees, or high ratings. Applying and getting approved for life insurance as a construction worker or laborer is in most cases no different than any other civilian job.

Are you a construction worker or laborer with a high-risk occupation and are concerned about getting affordable life insurance coverage? 

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

9 out of 10 Deadliest Jobs are Construction and Laborer Type Jobs

An article posted by Bankrate.com discusses 10 of America’s most dangerous and deadliest jobs. Out of 10 jobs, 9 of them consisted of either construction or laborer type jobs with high fatality rates.

Another frightening insight comes straight from the United States Department of Labor and its annual Occupational Safety & Health Administration (OSHA) workplace fatalities report. In 2014, there were 4,821 total work-related fatalities. Out of the 4,821 over 800 fatalities were in construction.

If you are a construction worker or laborer, these statistics are not meant to scare you, but to think twice about your current life insurance coverage.

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Life Insurance Coverage Offered through Work…Is it enough?

Life Insurance coverage offered through work or as a member benefit through the Union is great to start to providing financial security to a family.

However, the main problem that we see with most employer-provided life insurance programs is that they have limits on the amount of coverage that be purchased. This is a big problem, not only for the working employee but also for the entire family.

The Union Labor Life Insurance Company (ULICO) is a Union offered life insurance program that provides Union members the option to purchase life insurance coverage. Life insurance coverage offered through ULICO is only limited to $200,000 of death benefit protection.

$200,000 may seem like a lot of money but most insurance experts believe that you should have at least 10x-12x your annual income.

If we break down $200,000 of coverage by 10x income your family would be left with $20,000 per year. The median salary range for most construction and laborer jobs is $35,000-$60,000.

Multiply this number x10 and it is well over $200,000.

Life Insurance Quotes for Construction Workers and Laborers

Shop around for your life insurance coverage. ULICO offers great members benefits but keep in mind the amount of life insurance coverage you can get is limited and it’s not free. Our online quote tool lets you easily compare life insurance rates for both term and permanent life insurance coverage.

Life insurance outside of the workplace can provide you with many options typically not available with employer-provided life insurance plans. Some of these options include a return of premium coverage, the coverage that lasts to age 121, nursing home riders, and living benefits that pay money if you become sick with certain illnesses.

Group Life Insurance for Construction Workers and Laborers Can be a Good Thing

Although most group life insurance plans have limitations on the amount of death benefit you get, it can be a great option to take advantage of. When it comes to group life insurance plans, most of them are either no medical exam underwriting and a few are guaranteed approval depending on the size of the company.

For the business owners looking to provide their employees with an easy way to apply for life insurance coverage, a voluntary employee group life insurance plan may be the way to go.

The application process is simple, 100% participation is not required, no exam required, payments deducted right from the employee’s paycheck, and the option for a term or permanent coverage.

Interested in learning more about a voluntary group life insurance plan for your employees?

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Construction Workers and Laborers, Work with us for your Life Insurance Needs

If you’re reading this article it probably safe to say that you have a job in construction or as a laborer and are interested in life insurance coverage.

We at Top Quote Life Insurance have helped several hard-working construction workers and laborers get the life insurance coverage they require to protect their family’s financial security.

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Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.