The probability. of your being killed or injured at work determines how much life insurance you have to pay. An electrician, for example, has a fairly high life expectancy - they are only at risk from the odd faulty cable - and are therefore in a low risk classification Higher premiums are paid by people who have more dangerous jobs such as contruction workers. There were sixty-five deaths on building sites last year alone. Unfortunately most accidents and deaths are caused by a tendency to ignore safety regulations, when simple precautions and good sense can prevent fatalities.
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