Pitch, weather, and subcontract crews shape the week. Many roofers have little or no group life insurance, especially on 1099 crews. Indexed universal life is a policy type to ask about. Height work is also a reason some carriers say no.
Indexed universal life (IUL) is permanent life insurance. Interest credited to the cash value can be linked to a market index, with caps, floors, and charges set by the carrier. It is not an investment. A licensed agent explains cash value, costs, and limits. Underwriting varies by job and by carrier. A hazardous job is not a promise of coverage.
What a roofing week puts on an application
- Residential, commercial, or steep-pitch work that carriers ask about separately
- Crews paid per square or as 1099 with no benefits attached
- A truck and tools that may be financed personally
- Weather gaps when the jobs stop and the bills do not
Roofer questions
Does working at height mean I cannot get life insurance?
It means some carriers will decline or limit what they offer, and others will consider it. Nobody on this site can say which group you fall into before an agent asks about the actual roofs.
I run a small crew. Is this a personal policy or a business one?
If people at home depend on you, start with personal life insurance. Business structures and who owes a truck note are separate questions. TruckLife does not set up companies.
What should I say about the work?
Steep versus low slope, residential versus commercial, and whether you also drive between jobs. A vague job title is less useful than a normal week.
General information, not insurance advice. Products, availability and pricing vary by insurer and state.
