I was watching Yellowstone season 5, episode 13, and Rip mentioned that cowboys can’t get life insurance because of how dangerous the job is. It got me wondering if that’s true. Do insurance companies really deny life insurance to cowboys, or is it just exaggerated for the show? What about other high-risk jobs like police officers or loggers?
It’s true that high-risk jobs like ranch hands or loggers can make it harder to get life insurance. Insurance companies often charge higher premiums or outright deny coverage for dangerous professions.
@Tan
Yeah, but some specialized policies exist for high-risk jobs. They’re expensive, though, and come with lots of conditions.
Yellowstone does a good job showing how tough cowboy life is, but I think the no-life-insurance claim is a bit dramatic. It’s not impossible to get coverage; it’s just more complicated and costly.
Gale said:
Yellowstone does a good job showing how tough cowboy life is, but I think the no-life-insurance claim is a bit dramatic. It’s not impossible to get coverage; it’s just more complicated and costly.
True. They probably exaggerate it for the drama, but the risks of the job make it a lot harder to insure.
This applies to more than just cowboys. Active duty soldiers, roofers, and other risky jobs face similar challenges with life insurance.
Finley said:
This applies to more than just cowboys. Active duty soldiers, roofers, and other risky jobs face similar challenges with life insurance.
Exactly. It’s all about the risk assessment. Insurance companies don’t like uncertainty.
I wonder if Rip’s line is also a nod to the changing cowboy culture. It seems like a lot of traditional aspects of the lifestyle are becoming harder to maintain.
Greer said:
I wonder if Rip’s line is also a nod to the changing cowboy culture. It seems like a lot of traditional aspects of the lifestyle are becoming harder to maintain.
Good point. The show highlights how cowboy life is changing, so the life insurance comment might be part of that broader theme.
If you’re a cowboy looking for life insurance, you might have better luck with niche insurance providers. They specialize in covering high-risk professions.