You didn't read the assignment. Gender Studies Degree folks don't get to be Nurses because they aren't licensed medical folks... They have a degree in Gender Studies.

Now, as a person who pays for Life Insurance... Your Job doesn't pay for this, unless they have a "you died while on the job" clause, like the company I work for does. Life Insurance is obtained by working with a company that sells life insurance - like Primerica. That is insurance for when you die so long as it isn't by suicide... Money goes to the ones left behind.

What you're thinking of is Medical Insurance - which is mandated to be provided by your employer as long as you are a full-time employee. Most Company provided Medical Insurance is cheaper and better than privately obtained Medical Insurance because the employer is bringing their entire company to the table - rather than an individual. That allows the individuals to get better medical through their employer. Medical Insurance rates vary depending on a multitude of factors - the largest being how many people are signing up for the service.

So in conclusion... You didn't get the name right of the second person, you missed what type of degree the first person had, and you've mistaken Life Insurance for Medical Insurance. Your counterpoint is moot and meaningless.

Not so much anymore though. Life Insurance companies will provide whole or term life insurance to just about anyone. There are even commercials on TV that advertise 100,000 of coverage for just X amount of dollars. You get better rates if you don't smoke, are in better physical health, and no where when I purchased mine.... Did they ask about what type of occupation I had. It was health and wellness related questions and I had to get a physical completed.

Your argument would pull more weight if a higher percentage of the adult population even had Life Insurance. Only 52 percent of the Adult US Population even HAS Life Insurance. And while working as an electrician is potentially risky, there are many insurers who'll cover electricians on standard terms. You won't necessarily find it any more complicated or expensive to get life insurance based on your job alone, though it depends what you disclose about your job during the application process.

So basically... As an Electrician, you'll probably pay around the same rate as say, a Nurse or a Consultant or a Sales Executive, or a Fast Food Worker.

It's called high risk occupation. Use to be a big thing for electricians that were trying to get life insurance for the what ifs in life. Made it impossible to afford. But many factors go into life insurance... So ya I get it, theirs no argument here.