When getting an income protection quote, your occupation is very important as some occupations will not be covered due to the nature of their work. Below is a table that will give you a good idea of what class your occupation falls into but it is not the definitive guide as there are some small differences between the various life companies.
White- collar occupations: no appreciable accident or health risk. These occupations will usually be office based. Examples include: Accountants, GP’s, IT Consultant, Solicitors, Administrators etc.
Mainly white – collar and predominantly administrative. Driving may be involved. Examples include: Quantity Surveyor, Dentist, Sales Rep etc.
Skilled occupations, which may involve light manual duties but heavy lifting is rare. Examples include Interior Decorators, Foremen, Electrical Engineers and domestic Electricians, Nurses etc.
Skilled tradespersons, working on construction sites using light power tools. Examples include Carpenters and Plumbers.