Life Insurance For Reporters

Reporters can come from anywhere at any age those who may work at an office but go reporting in dangerous situations or those who travel around the world to cover interesting scoops that put themselves in harm's way.

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Better Safe Than Sorry

Reporters have to cover a wide array of different issues, depending on where they work at the safety levels will differ.

Those who must consider lots of traveling to different regions where crime and violence are very high will benefit.

In certain parts of the world that are heavily burdened with crime and violence, think of the current predicament in the middle east where individuals are killed due to terrorist actions or from just fighting in a civil war.
Those reporters would benefit the most, however, there are even those who are at home where it will help. Going into regions that have lots of gang violence, drug use, kidnappings, stabbings and shootings will find it more enticing to have some sort of insurance protection in the event of death.

Although still not likely but, it is unpredictable and your chances of dying are higher than working in the safe suburbs.

New On The Job

When reporters are starting out their careers, they are full of life and vitality able to work long and hard hours and stretch themselves thin. A good reason to purchase insurance at a young age is to plan ahead for the future while being a young and upcoming go getter, rates are much cheaper than if they were to purchase it at a later age.

Once settling down into full blown family mode at a later age, rates will become more expensive and can be out of reach for some individuals. Also, health issues can be a concern, diseases and illnesses can prevent individuals from reaching life insurance as they will be declined.


Those who work corporate

Now for news journalists and anchors working in a corporation where benefits are available due to their workplace coverage, they may think that getting independent coverage is a waste of money.

People typically change jobs often and losing their workplace benefits that typically include life insurance will be lost. Also life insurance coverage for those in the workplace don't provide enough coverage if you have a mortgage, student loans, debt, and extra money leftover for children and loved ones.


Although a great stepping stone of having group coverage at work is that it will typically be provided free of cost giving you at least some sort of relief in the event of death. If not, group coverage tends to be very affordable and also covers you even if there are underlying health issues.



Making it on your own

For reports and news chasers being self-employed, there won't be any other coverage to fall on. Understandably that costs might be difficult to manage while being self-employed. Something to consider is getting cheap affordable life insurance to cover your loved ones for the meantime.
Term life insurance is available at low costs for 10 and 20 years. Especially beneficial for those who are younger. Insurers love to insure younger individuals because the chances of dying are much slimmer than those who are reaching their retirement and senior years.



Those working in offices or at home trying to be a reporter that way may find themselves not even needing life insurance. But consider the fact that at any time you may have to travel for your coverage duties. The likelihood of your job being inflexible and spontaneous is what you love about being a reporter but also the risks of dangers that come with it.

James Pathers is an insurance and investment advisor working with

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