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Your Risk Class*
Occupation Risk Class = Sorry, we were unable to find your occupation in our database.

We apologise for not recognising your occupation however given your other responses we believe most income protection insurers will be able to offer an 'Own Occupation' incapacity definition given your current job role.

It will be important to double check the policy terms in detail to ensure you do not fall foul to a lesser occupation definition.


* Please not this is only an anticipated risk class based on our database, your actual risk class may vary from insurer to insurer.

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Your Summary

Although we have been unable to locate your occupation in our database from your responses to the other questions it looks as though you would be considered relatively low risk by most insurers.

With the majority of your work being clerical and with little driving or overseas business travel we would expect most income protection insurers to offer you an 'Own Occupation' incapacity definition.

You can expect an income protection policy to protect you in your own occupation with monthly premiums which are guaranteed for the life of the policy.

Level of Manual Work

Given the vast majority of your work is clerical and considered low risk by the insurers, the profile of your work will ensure you have the widest range of income protection insurers to consider when providing terms.

Business Mileage

Most income protection insurers do not start considering a lesser incapacity definition based on business mileage unless you are declaring more than 20,000 business miles per annum.

Given your existing level of business travel it is unlikely the travel itself will have a significant impact on the income protection terms offered.

Overseas Travel

Most income protection insurers do not start considering a lesser incapacity definition based on overseas travel declarations unless you are spending more than 13 weeks abroad or making 12 or more trips overseas per annum.

Given your existing level of overseas travel it is unlikely the travel itself will have a significant impact on the income protection terms offered.

Suitable Insurers

Given we have been unable to find your occupation in our database it is difficult to provide you with any further information without first finding out some further details from you.

Should you wish to speak one of our insurance experts to discuss further please do not hesitate to give us a call, we are here to help. In the meantime you can browse our insurer section for further information on the leading income protection products available in the UK.

Aviva
Liverpool Victoria
British Friendly
Exeter Family Friendly
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 0203 432 7333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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Published by Andrew Jenkinson
Financial Services Authority