Under life insurance, your occupation is classed by the duties you perform on a day-to-day basis, not by your employment title. This means your job description won’t determine what level of risk you fall into.
In many cases, determining your classification is simple. However in some situations it can be more complex, especially if you perform a range of mental and physical duties.
For example, if you’re the director of your own building or plumbing company and perform manual as well as administration and accounting roles, you will be classed by life insurers as a blue-collar worker, and therefore a higher risk of injury. Despite a combination of physical and mental responsibilities, your labouring duties are seen as the primary risk factor.