Skilled trades keep the lights on. Life protection should outlast the job.

At a glance

Who this is for

Electricians, plumbers, HVAC techs, welders, carpenters, and related trades

The gap

Skilled work, uneven weeks, benefits that often follow the employer or the hall

The plan

Size protection to income, family, housing, and tools — then let a licensed human quote

Dedicated trade pages

Not live yet; start here or on Construction Life

The trade is the job. The income is the plan.

A journeyman electrician, a service plumber, and an HVAC tech do different work. They share a pattern: the skill is in their hands, the next week depends on calls and weather, and the people at home spend a real paycheck. Life insurance for skilled trades starts there, not with a desk-job form.

Lily can help you name who depends on that check and what would break if it stopped. A licensed insurance professional decides which products, if any, fit. AskLily does not issue policies.

Electrician, plumber, HVAC — same kind of exposure

Those trades often have on-call nights, seasonal rushes, and stretches with no calls. Dedicated pages for each trade are not up yet. Until they are, use this page and the Construction Life hub. Do not wait for a URL that matches your license if the household already depends on the work.

Coverage that is tied to the job can leave with the job

Group life through a contractor, a union hall, or a benefits package is often a set multiple of wages, and it commonly ends or shrinks when you are laid off, switch books, or go out on your own. A personally owned policy is issued to you. Subject to its own terms, it can stay in force between gigs if premiums are paid. That is not a promise that every product works this way, or that you will be approved.

The job site is not a desk

Construction and skilled trades are quoted badly when someone assumes a fixed office salary. Hours move with weather, inspections, and the next bid. A licensed professional who asks what you actually do on a normal day — heights, equipment, travel between sites — can look at carriers that underwrite that work fairly. I'm Lily, I'm here to help! I help you organize the facts. The quote comes from a licensed human.

Tools, vans, and small shops

Many tradespeople own the van, the tools, or a two-person shop. That is income and obligation at once. A licensed professional can talk through personal coverage for the household and, when it fits, coverage that considers a business or a partner. Nothing on this page is a recommendation for a specific product.