About Us & Editorial Policy
FrontlineCover is built for people whose jobs make life insurance complicated. If you fly, dive, fight fires, serve, or work offshore, you've probably had an agent go quiet, quote you a fortune, or hand you a policy that excludes the exact way you might die at work. That last one is the problem we exist to fix.
What we do
We publish occupation-by-occupation guides that explain, without jargon:
- how underwriters price your specific job (usually a flat extra, not a decline);
- which carriers actually write your occupation favorably;
- whether you're being offered an occupational exclusion - and how to avoid one; and
- how to get level coverage that pays out on duty, not just off the clock.
How we research
Our guides draw on insurer occupational-underwriting guidelines, aviation and diving risk data, and independent agents who place high-hazard cases regularly. Articles are written by risk editors and reviewed by a licensed independent agent before publication. Every guide is dated.
How we make money
We are an independent publisher, not a broker. When you request a quote or apply through a partner link, we may earn a commission at no extra cost to you - and it never changes our editorial view or which carriers we highlight. We don't sell your details to a call center.
Our editorial team
FrontlineCover is produced by a small editorial team and reviewed by a licensed independent insurance agent before publication.
A note on our authors. The author profiles on this site are placeholders for a site in development. Before FrontlineCover serves real readers, named authors and reviewers with verifiable credentials, licenses and public professional profiles will be published here, in line with Google's E-E-A-T guidance for financial topics.