The type of work you do has a direct effect on the life insurance policy for you. You might want to consider the risk levels involved in your job .If your job is a high risk pointer then you are surely a candidate for a life insurance policy .You can check listings from the Bureau of labor to know your jobs risk ratings.

Some occupations are risky, some are not. But regardless of what you do for a living, you should thoroughly examine your life insurance needs. Life insurance will ensure that the financial needs of your loved ones are taken care of after you die. If you're single, with no one truly financially dependent on you, you probably have no use for life insurance. But if any of the following statements ring true for you, then you need to consider getting life insurance: You're married and your spouse depends on your income, You have children, You have an aging parent or disabled relative who depends on your income etc

Calculators and worksheets are available online to help you determine how much life insurance you need. You may want to contact an insurance agent or broker who can help you determine what type of life insurance is best for you and the amount of coverage you need. These days, it's not just a simple task of saying, "I need to buy life insurance" and getting a policy. You need to choose from whole life, term life, variable life, universal life, a combination of whole and term, etc. and how about disability insurance coverage?

If you work in a high-risk occupation, you probably know how important it is to have disability insurance coverage. But don't rely on government programs such as Social Security and workers' compensation as your main source of protection. In reality, government programs pay only limited benefits under restrictive terms (e.g. you must meet a strict definition of disability to qualify).

Your employer may offer group disability insurance at low or no cost to you. But you may also want to consider purchasing an individual disability insurance policy. Although you'll pay more for individual coverage than for a group policy, you often get more benefits. And keep in mind that if you leave your job or otherwise terminate your relationship with a group, you can't take your disability policy with you, and you usually can't convert it to an individual disability policy. This means that you may be left without disability coverage when you need it most. Shop around for coverage since many different types of life and disability policies are available, it's important to shop around for coverage to find a life insurance policy that meets your individual needs. Since premium costs vary widely, get quotes from several insurance companies. Just make sure you're comparing policies that offer similar benefits.