If you have a dangerous profession, don’t be too shocked when your life insurance quote is higher than expected. Anything that puts you at an increased risk of dying early means there’s a higher chance that your insurance company will need to pay the death benefit.
And they don’t want that.
Life insurance companies make money off people surrendering their policy. As well as letting their policy lapse when their dependents grow up. If you die early, this is less likely to happen. 88% of universal life insurance policies don’t terminate with a death benefit. Insurance companies are basically dodging death benefits whenever they can.