Classes and exclusions
Some occupations, including those who work in the armed forces, have a higher risk of:
- Accidental death or disability
- Work-related stress or depression
- Propensity for minor illness or injury
We consider these risk factors when we underwrite your client’s application.
Here you’ll find guidance on our different occupation classes, critical illness cover and life insurance for armed forces personnel, and any exclusions.
How we rate occupation classes
Occupation class table
How we rate working at heights
Armed forces personnel
Life insurance for armed forces personnel
Critical Illness Cover for armed forces personnel
Ministry of Defence schemes
Speak to a Pre-sale Underwriter
Need more help? You can contact our team in two ways.
You can call our Pre-sale Underwriting team on 0370 333 3699.
We’re open Monday to Thursday 9.00am to 5.00pm and Friday 9.00am to 4.00pm.
We may record and monitor calls. Call charges will vary.
Get a fast and accurate indication of terms with our Pre-sale Underwriting form, available to you any time.
Just fill in your client’s details, and one of our Pre-sale Underwriters will email you an indication of terms.
More from Adviser Protection
Find out when and why we ask for medical evidence.
BMI and lifestyle
How we rate your client’s lifestyle and BMI measurements.
Residency and travel
Our underwriting position for residency and travel.