Life insurance is a requirement for anyone with a family, to ensure that when you are gone they are not left destitute and relying on government handouts. If however your job can be classed as 'dangerous' then life insurance is a must from the outset. Who decides whether your job should be classified as taking you beyond ordinary risk levels? Well, it seems reasonable that the insurance company who are going to provide your cover should be the ones to decide, and that is the usual case. ...
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