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  • Life insurance to cover a risky job
  • June 26, 2015
  • Risk takers? Take notes, because this is how it works. Insurance companies place jobs into different classes (that vary with each company). For some disability insurers, jobs have 5 rating classifications: 4A, 3A, 2A, 1A and NE. The lower your number, the higher the rate; unless your job is classified NE, then, you may be denied coverage. In case you are thinking of a hazardous career change, here are some hazardous occupations and what class they would hypothetically fall into.

    Occupation Class Eligibility for disability insurance
    Fishermen (commercial and pearl hunting) NE Denied. Better fish around for coverage. You will be denied here.
    Skyscraper Window Washer 1A Just scraping by to be eligible.
    Miner (Coal, Metals, Minerals etc.) -Office Duties Only: 4A-Above Ground: Manager or Superintendent:  3A-Foreman: 2A-Others: 1A-Below Ground:  NE Generally covered, but not a job for the claustrophobic; dig around to see if you will get lower coverage elsewhere or coverage at all.
    Nuclear/Power Plant Facilities -Handling or exposed to hazardous materials: NE Denied. Just run away if it is glowing and starts to move, and read the directions twice.
    FBI & CIA NE Denied. If you told the insurers your real name, you would probably have to kill them anyway.
    Virologists/Toxicologist and people who deal with deadly viruses 3A Rated. This can vary by company.
    Helicopter pilots Possible NE Depending on the company, helicopter pilots may be denied or issued a standard policy with a flat extra.
    Trucking Industry local pick up and delivery only, no liquor or gasoline:  2A- long haul, furniture mover, liquor, gasoline or hazardous material: 1A Generally covered, but highly rated policies for delivering explosives and combustibles, so keep on truckin’


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  • Category: Disability Insurance, Featured Articles, Featured Story, Life Insurance, Videos

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