A job is considered dangerous for life insurance if it involves a higher risk of injury or death than typical occupations. At Sports Financial Services we assess the risk associated with different occupations to determine premium rates. Some common factors that classify a job as dangerous for life insurance include heavy lifting, working at heights, high car mileage occupations, underground or underwater work, hazardous environments (e.g., construction sites), work with chemicals or explosives, operation of heavy machinery, frequent travel or working abroad.