Life insurance is not an accident: chances of dying at home, more

Your home is your castle, a place where you are safe from the dangers of the world. Or so you think.

The odds of dying in an accident at home – such as falling down stairs, one in 1884 – are more likely than those of being in a fatal plane crash, one in 8015, according to NerdWallet, who calculated the lifetime. probability of various events likely to cause your disappearance.

If it makes you want to run away from your house, be sure to pull over to the sidewalk and look both ways. You run an even greater risk of dying crossing the street, one in 704 chance. NerdWallet, which educates consumers on personal finance topics such as buying life insurance, reviewed data from the 2015 National Safety Council Injury Facts, Postgraduate Medical Journal, and Great Plains Veterinary Educational Center in this study.

Of course, the main causes of deaths in the United States are linked to diseases such as heart disease or cancer. You have a 1 in 7 chance of dying from one of these two causes. Meeting your end in an accident is less common, but it’s still worth knowing the odds in the following scenarios.

At home

This is where many of us spend most of our time outside of work. So what should you watch out for? Fire tops the list, followed closely by falling down the stairs.

Falling Down the Stairs: 1 in 1,884

Accidental suffocation in bed: 1 in 5,721

Drowning in your pool: 1 in 6,072

Drowning in your bathtub: 1 in 9,186

While eating

Foodborne illness strikes 48 million people in the United States each year, according to the Federal Centers for Disease Control and Prevention. Still, your chances of dying from food poisoning are low. You have a much greater risk of choking on food. So remember what mom used to say: don’t stuff your mouth. And chew your food.

Choking on food: 1 in 3,375

Food poisoning: 1 in 3,000,000

For sportive people

Extreme sports provide that element of danger that thrill seekers crave. However, some activities are more perilous than you might think. For example, you are more likely to die while hiking in the mountains than when skiing the slopes. If scuba diving makes you anxious, keep in mind that you are much better underwater than hang gliding in the air.

Mountain hikes: 1 in 15,625

Diving: 1 in 34,483

In transit

Put aside your fear of flying once and for all; riding a bike on the street or driving a car – which doesn’t include pickup trucks or vans – is much riskier than air travel. Dying in an airplane is the most unlikely event on this list, and it’s important to note that 91% of aviation fatalities occur in general aviation, which includes all civilian flights except airlines. regular passenger traffic. Also, if you thought riding a motorcycle was dangerous, think about the risk you take every day crossing the street.

Driving by car: 1 in 470

Crossing the street: 1 in 704

Riding a Motorcycle: 1 in 911

Flying by Plane: 1 in 8,015

Animals and insects

Dog bites are common, but dying from one is not. The risk of mortality is much higher with snakes, lizards and bees.

Snake and poisonous lizard bites: 1 in 42,120

A Showdown with Hornets, Wasps and Bees: 1 in 55,764

Getting Bitten by a Dog: 1 in 116,448

Weather and natural events

The Gulf and Atlantic coasts, already regularly hit by intense storms, could experience an increase in flooding by several hundred, according to a study by the scientific journal Nature Climate Change. And in the Pacific Northwest, seismologists warn of an inevitable earthquake that will be “the biggest.” But if you want to know what you should worry about today, it’s extreme temperatures: freezing cold and intense heat are the deadliest weather conditions right now.

Extremely Cold Weather: 1 in 5,892

Extremely Hot Weather: 1 in 6,745

Being struck by lightning: 1 in 164,968

An earthquake: 1 in 179,965

As scary as it all sounds, the chances of succumbing to any of these scenarios are quite long. But if you want to make sure your loved ones have a financial safety net, learn more about life insurance. You can learn more about the difference between policies and if it makes sense to you.

Anna Helhoski, editor of NerdWallet, contributed to this article.

Infographic by Enrico M Limcaco

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