Many of us don't think twice about our safety when we head off to work, but have you ever considered how safe you are on the job? Many jobs are risky and the following is a list from the U.S. Department of Labor of the most dangerous jobs out there, by fatalities, in 2008:

  • Agriculture, forestry, fishing and hunting
    With a total of 651 fatalities in 2008, this sector has the most fatalities with 29.4 per 100,000 workers.

  • Mining
    In 2008, there were 175 fatalities reported in the mines which equal 18.0 fatalities per 100,000 workers.

  • Transportation and warehousing
    This sector, which covers air, rail, water and ground activities had 762 deaths reported in 2008 making it next on the list for most dangerous jobs with 14.2 fatalities per 100,000.

  • Construction
    With 9.6 deaths per 100,000 workers (969 reported deaths) in 2008, construction is the fourth most dangerous job out there.

The four industries listed above are the most dangerous when it comes to deaths resulting from activities on the job. Whether it's a result of traffic accidents, falls or being struck by an object, these jobs can kill.

To give you an idea on how dangerous these jobs are, compare them to the average fatality rate for all jobs which is 3.6 deaths per 100,000 workers.

What's this all mean for you?

Whether you work in an industry that's considered dangerous or not, life insurance can help you financially protect your loved ones should you die during your working years. It's also a key component to a well-designed financial plan.

You should seriously consider life insurance if:

  • You're married
  • You have children
  • You have parents or other family members who depend on your income
  • You have a mortgage
  • Your retirement savings or other accounts won't adequately support your loved ones
  • You are self-employed
  • You have debts like car loans or credit cards which without your financial support would be a financial burden to your survivors

Life insurance provides you with customized coverage for your family's needs. Get and compare life insurance quotes for Term 10, Term 20 or Term to 100 online instantly and round out your financial plan today.

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