For most people, no. Teachers, nurses, accountants, bartenders, and brewers all pay the same rate for the same health and age. Insurers care far more about your health, your age, and whether you smoke.
It changes when the job itself is risky.
Jobs that can raise your rate. Roofing and other work at heights, logging, commercial fishing, mining, flying small aircraft, and offshore work. For these, an insurer might add a flat extra charge on top of the normal price, or in rare cases decline.
Farm and ranch work. Usually fine. Insurers may ask what you actually do day to day, since running heavy equipment is different from running the books. Our Fort Collins term life page gets into that for northern Colorado.
Your income matters too. Insurers limit how much coverage you can buy based on what you earn. That’s not about danger. They just want the amount to make sense.
Hobbies can matter more than work. Rock climbing, backcountry skiing, and flying come up on applications, and in Colorado they come up a lot.
Two tips. Answer the job questions accurately, because a wrong answer can cause problems for your family later. And know that insurers treat the same job differently, so one company’s extra charge can be another’s standard rate.
If you’re just starting to look, buying term in your thirties is a good first read.