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.



Occupation classes



Armed forces

Speak to a Pre-sale Underwriter

Need more help? You can contact our team in two ways.

Call us

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.

Contact us

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.

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