Legal & General Assurance Society LimitedRegistered in England and Wal - PDF document

Legal & General Assurance Society LimitedRegistered in England and Wales No.166055 Registered ofce:One Coleman Street, London EC2R 5AALegal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. W7557 12/16 www.legalandgeneral.com 20 W OCCUPATION/JOB TITLE Waiter, Waitress Warehouse ManagerWarehouse OperatorWaste Disposal Operative Watch/Clock Maker/RepairerWater Treatment OperatorWebsite Designer Welder* – not on a rig, underwater or a track welder – usuallyWinch Driver/OperatorWindow Cleaner* Window Fitter/InstallerWindscreen Fitter Woodworker/Machinist Works Clerk/Receptionist Y OCCUPATION/JOB TITLE Z OCCUPATION/JOB TITLE Yoga TeacherYouth Hostel Warden Youth Worker/Leader Zoo Curator/Director Zookeeper (including Head) OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC V OCCUPATION/JOB TITLE Van Driver^ Vehicle Body Builder/RepairerVehicle TechnicianVending Machine Engineer VeterinarianVeterinarian NurseVicar Vocational Training Instructor OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 19 T OCCUPATION/JOB TITLE TailorTanker Driver^Tattoo Artist Tax Consultant/Inspector Taxi Driver/Owner^Teacher – includes Supply, Teaching Assistant and Special Needs Technical EngineerTechnicianTelecommunications Engineer Telephone EngineerTelesales Manager/RepresentativeTennis Coach Tennis Player (Professional)Ticket Inspector/CollectorTiler*Timber Merchant (no manual work) Timber Merchant (some manual work)Tool Fitter Toolmaker Tour Guide Track Layer/Trackman Trafc WardenTrain/Tram Driver TranslatorTravel Agent Tree Feller Tree Surgeon TunnellerTutor Tyre Fitter U OCCUPATION/JOB TITLE Underground Train Driver UndertakerUnderwriter University Lecturer University TechnicianUpholstererUsher (Cinema/Entertainment Venue) OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 18 SilversmithSkipper (Merchant Marine)Slate Cutter/Dresser/PolisherSlater – see Roofer* Slaughterhouse WorkerSnooker Player (Professional)Social Worker Software Consultant/Engineer Solicitor Sound Engineer/Sound TechnicianSpecial Needs Educational Co-ordinator/Teacher/Teaching AssistantSpeech TherapistSport Massage TherapistSports CoachSpot Welder Spray PainterStable Hand/Lad Stage ManagerStage Technician Station Ofcer – Fire Service Statistician Steel Erector*Steel Fabricator/Fixer* Stockbroker/Broker-dealerStone Cutter/Dresser/Polisher Stonemason* Store DetectiveStore Manager Storeman Street Cleaner Structural Engineer* Supermarket Assistant/Staff Supermarket Manager/Deputy Manager Support WorkerSurgeon Surveyor – Architectural/Land Also see Building Surveyor and Quantity SurveyorSwimming Instructor Swimming Pool Attendant Systems Analyst/Manager/Programmer S OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 17 S OCCUPATION/JOB TITLE Safety Ofcer (not on a rig)Sales Assistant Sales Manager Sales and Marketing ManagerSales Representative SandblasterSatellite Aerial Installer/ Engineer*School Bursar/Inspector/Secretary School Crossing Attendant School Janitor School Maid/Matron/Nurse Scientic Assistant Scientist Scrapyard Dealer/Owner/Baler/Grader/SorterScriptwriterSecretary Security Guard Security Ofcer (premises) Security Ofcer (other) Security Van Driver^ Service Engineer Sewage Works Attendant Sewing Machinist Sheet Metal Worker Shipbuilder/ShipwrightShip Fitter/Repairer/Breaker Shoemaker or Repairer Shop Assistant/Worker/Keeper/Manager/Proprietor Shop Cleaner Shop Fitter Sign Erector*Signwriter* OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC R OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Rig Welder EO EO Road Maintenance Worker Road Sweeper Roofer* Royal Air Force – see Armed Forces MemberRoyal Navy – see Armed Forces MemberRoyal Military Police OfcerRSPCA Inspector Rubbish Collector – see Refuse CollectorRugby Player (Professional) 16 R OCCUPATION/JOB TITLE Radio and Television PresenterRadio and Television Repairman Radiographer Radiologist Railway Guard/Station Personnel Railway Linesman Railway Police Ofcer Receptionist Recording Engineer/Technician Recruitment Consultant/Manager Recycling OperativeRefrigeration Engineer Refuse Collector Registrar Removals Man Reporter Residential Care Ofcer Residential Home Proprietor Restaurant Manager/Proprietor Retail Shop Manager/Worker/ProprietorRiding InstructorRig Electrician EO Rig Maintenance Diver EO Rig Mechanic EO EO Rig Medic OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Q OCCUPATION/JOB TITLE Quality Controller (No manual work)Quality Controller (Some manual work)Quality Tester Quantity Surveyor OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC P OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Property ManagerProperty Developer – no manual work– some manual workPublic Service Vehicle (PSV) Driver^Psychiatrist PsychologistPsychotherapistPublic Relations Executive/Ofcer Publican/Public House Manager/LandlordPublicity AgentPublisher 15 P OCCUPATION/JOB TITLE Pharmacist Pharmacy AssistantPhotographer – Aerial photography – Portrait/Studio/Industrial or Weddings– OtherPhysician (No Surgery)PhysicistPhysiotherapistPile DriverPilot (Also see Airline Pilot)Pilot – Remotely Operated Vehicle Pipe Fitter/Jointer/LayerPlant Hire Manager/Owner – some manual work or drivingPlant Hire Manager/Owner – no manual work or drivingPlant OperatorPlastererPlumber Police (Ministry of Defence) – see Ministry of Defence Police OfcerPolice (Royal Military Police) – see Royal Military Police OfcerPolice (All ranks) Police (Pilot) IC IC Police Community Support Ofcer (PCSO)PoliticianPop Musician/Singer Port OperativePorter – baggage, hospital, hotel, nightPost Ofce Counter Staff/Postmaster Post SorterPostal Courier Driver^ Postman/woman (some driving)^Postman/woman (no driving)Presenter – Radio/TVPriestPrinter/Printer’s AssistantPrison Ofcer/WardenPrivate Investigator Private TutorProbation OfcerProcess Operator/WorkerProduction Operative/WorkerProducer – TV, Radio, RecordProduction Manager/Superintendent – no manual work Production Manager/Superintendent – some manual work Project Co-ordinator doing ofce-type work in an ofce environment for at least 75% of a typical working day– Otherwise Project Engineer/Manager/Worker doing ofce-type work in an ofce environment for at least 75% of a typical working day– Otherwise OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 14 P OCCUPATION/JOB TITLE Packer Painter and/or Decorator* Painter and/or Decorator (Interior only)Panel Beater Paramedic Parking Enforcement OfcerPark Keeper/Ranger PathologistPavior PawnbrokerPayroll Administrator/Accounts Clerk/ManagerPersonal AssistantPersonal Trainer† Pest Control Operative Petrol Station Attendant OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC O OCCUPATION/JOB TITLE ObstetricianOccupational Health Nurse Occupational Therapist Ofce Administrator/Cashier/Clerk/Manager/Messenger/Receptionist Optical Instrument Fitter/Maker/Repairer Optician Orchestral Musician Orthodontist Orthopaedic Surgeon Osteopath Outdoor Pursuits Instructor^ OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC N OCCUPATION/JOB TITLE Nanny News Photographer Newsagent Newspaper Vendor Newsreader Nuclear Engineer/ing Technician Nuclear Physicist/Scientist Nurse– all including Student Nurse Nursery Assistant/Nurse Nurseryman Nursing Home Proprietor OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 13 M OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Machine Assistant/Operator/Minder – usually Machine Tool Setter/OperatorMachinery Electrician Mail Sorter Maintenance Electrician/Fitter Maintenance Engineer/Technician Make-up Artist Management Accountant/ConsultantManager Please refer to the specic job title that reects the nature and environment of the work done, ie. if ‘Retail Manager’ refer to that. If doing ofce-type work in an ofce environment for at least 75% of a typical working day– OtherwiseMarine Biologist Marine Installation/Maintenance FitterMarket or Street TraderMarketing Consultant/ManagerMartial Arts InstructorMason/Mason’s Mate Mechanic– Armed Forces (See Armed Forces)– Other Industries – usuallyMechanical Engineer Mechanical Road Sweeper Driver^Medical Administrator/Receptionist/Secretary Medical Laboratory TechnicianMental Health WorkerMetal – Fabricator/Machinist/Plater/Sprayer/Miller Meter Installer Meter ReaderMidwifeMilk Roundsman^ Miner – underground or surface Mining Engineer (no manual work)Mining Ofcer/Surveyor (no manual work)Ministry of Defence Police Ofcer Mobile Library/Shop Driver^Money Broker MorticianMortuary AttendantMotorcycle Courier/MessengerMuseum Attendant/GuideMusic Teacher Musical DirectorMusical Instrument Maker 12 L OCCUPATION/JOB TITLE Laboratory Manager/Technician/Worker Labourer – no farm work* Landll Operative Landlord (Property)Landscape Designer Landscape Gardener Lathe OperatorLaunderette – Supervisor, Assistant or Counter staffLawyer Lecturer Left Luggage Attendant Legal Adviser/Assistant/Executive/Secretary Leisure Centre Instructor Leisure Centre Manager Letting AgentLibrarianLicensee (Licensed Trade) Lifeboat Crew Lifeguard– beaches – swimming pool onlyLift EngineerLift Erector*Light Goods Vehicle Driver^ Linesman Loading Bay AssistantLocal Government OfcerLocksmith Lorry Driver^ Loss Adjuster OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC K OCCUPATION/JOB TITLE Kennel Hand/OwnerKiln AttendantKitchen Worker/Supervisor OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC J OCCUPATION/JOB TITLE Janitor JCB/Heavy Plant Driver Jeweller (Shop)Jewellery (Maker/Repair)Joiner*JointerJournalist Judge OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 11 I OCCUPATION/JOB TITLE Ice Cream Vendor/Van Driver^IllustratorImmigration Ofcer Importer and Exporter Incinerator OperatorIndependent Financial Adviser Industrial ChemistIndustrial TrainerInspector – within manufacturing industryInsurance Agent Insurance/Assessor/Broker/Consultant/Inspector/Underwriter Interior DesignerInvestment Analyst IT Analyst/Consultant/Services ManagerIT Technician OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC H OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Helicopter Instructor/Pilot HGV Driver^ Highways OperativeHoist OperatorHome HelpHorticulturistHospital Administrator/Manager/ReceptionistHospital Doctor (not surgeon or anaesthetist) Hospital Doctor (surgeon/anaesthetist) Hospital Porter/Storeman/Ward Orderly Hotel Barman Hotel DoormanHotel ManagerDoing ofce-type work in an ofce environment for at least 75% of a typical working day– OtherwiseHotel Porter Hotel Proprietor Hotel Receptionist Housebuilder*Housekeeper Houseperson Housing Manager/OfcerHovercraft – Captain/Navigator/First Ofcer 10 H OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Hairdresser – mobile/salon Handyman*Harbour PilotHaulier Head Teacher/Master/Mistress Health and Fitness Club Trainer† Health and Safety Ofcer Health Visitor Healthcare AssistantHeating and Plumbing Engineer G OCCUPATION/JOB TITLE GalvaniserGarage Manager/Proprietor – no manual workGarage Manager/Proprietor – some manual workGarage Tyre/Exhaust Fitter Gardener Gas EngineerGas FitterGeneral Practitioner Geologist/Geophysicist Glass Worker/Cutter/FinisherGlazierGolf Player (Professional)Graphic Designer GreengrocerGroundsmanGroundworkerGuest House ProprietorGynaecologist OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC F OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC FloristFlying Instructor Food Process WorkerFootball CoachFootball Player (Professional)Forest WorkerForestry Ofcer Forklift Truck Driver^Foundry Worker Funeral DirectorFurniture Maker/Polisher/RestorerFurniture Remover 9 F OCCUPATION/JOB TITLE FabricatorFactory InspectorFactory Manager – no manual work– some manual work Factory Worker Farm Labourer/WorkerFarm ManagerFarm OwnerFarmerFashion Designer (including Accessories)Doing ofce-type work in an ofce environment for at least 75% of a typical working day– OtherwiseFence ErectorFibreglass WorkerFilm Director/Producer/Writer Film EditorFinance Broker/Director/Manager Financial Adviser/ControllerFinancial AnalystFireghter (includes using aerial platform)Fire Investigator/Fire Prevention OfcerFire Service – Senior OfcerFish and Chip Shop Owner/WorkerFish FarmerFisherman IC IC Fishmonger Fitness Instructor†Fitter/Fitter’s mate – usually Flight AttendantFloor LayerFlooring Contractor OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC E OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Electrical Technician Electrician – including Domestic ElectricianElectronics Assembler/Fitter/Installer/Repairer ElectroplaterEnamellerEngineer– Armed Forces (see Armed Forces)Doing ofce-type work in an ofce environment for at least 75% of a typical working dayOtherwise outcome likely to be as listed unless the specic job title that reects the nature and environment of the work done is listed separately Engineering Technician Environmental Health Ofcer Estate Agent Event Organiser/Manager Excavator Driver 8 E OCCUPATION/JOB TITLE Ecologist EconomistEditor – PublishingElectrical Engineer Electrical Supply (Linesman) OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC D OCCUPATION/JOB TITLE Dance Teacher Dancer Darts Player (Professional) Debt CollectorDelivery Driver^ Dental NurseDentist or Dental Assistant/Auxiliary/Consultant/Hygienist Detention Centre WardenDieticianDigger DriverDinner LadyDirectorDoing ofce-type work in an ofce environment for at least 75% of a typical working day Otherwise outcome likely to be as listed unless the specic job title that reects the nature and the environment of the work is listed separately Diver/Instructor DockerDoctor (not surgeon/anaesthetist and not Armed Forces) Doctor (surgeon/anaesthetist and not Armed Forces)Dog BreederDog WalkerDoor and Window – Assembler/Installer/Fitter Double Glazing – Assembler/Installer/Fitter Drain Cleaner Driver – not heavy plant or construction^Driving Examiner/Instructor^Dry Cleaning Shop Owner/StaffDustman OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC C OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Consultant – Hospital (no surgery)– Hospital (surgeon) Cook – see Chef Crane Driver*Court UsherCricket Player (Professional)Customs and Excise Ofcer – Port control Customs and Excise Ofcer – Investigative workCustomer Services Agent/Supervisor/Manager 7 C OCCUPATION/JOB TITLE Casino Steward/StewardessCCTV Installer CCTV OperatorCemetery AttendantCaterer/Catering Assistant Chambermaid ChandlerChartered Surveyor Chauffeur^ Checkout OperatorChef (including Head Chef) Chemical EngineerChemist (not shop, mining or research work)Chemist (shop, mining or research work) Child Carer/ChildminderChild Protection OfcerChimney Sweep Chiropodist Chiropractor ChocolatierCinema Worker Civil EngineerCivil Servant (Ofce-based) Claims Adjuster/Assessor Classroom Assistant Cleaner – Asbestos Cleaner (Domestic/Hospital/Ofce/Industrial Premises – Internal only)Clergyman/woman Clerical Assistant/Ofcer/Worker Cloakroom Attendant Clock and Watch Maker/Repairer Clothing Designer Doing ofce-type work in an ofce environment for at least 75% of a typical working day– OtherwiseClub Manager Club Proprietor/Steward(ess) Coach Driver^ Coal Merchant (Administrative) Coal Merchant (Manual) Coal Miner – see Miner Coast Guard Commodity Broker/JobberCommunity Worker Company Director If doing ofce-type work in an ofce environment for at least 75% of a typical working day Otherwise outcome likely to be as listed unless the specic job title that reects the nature and the environment of the work is listed separately.Compliance ManagerComputer Analyst/Consultant/Programmer/Services Manager/Software Engineer Computer EngineerConcrete Operative (Erector/Finisher)Conductor – Train crew – RailwaysConstruction worker – see Builder OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 6 B OCCUPATION/JOB TITLE C OCCUPATION/JOB TITLE Beautician/Beauty TherapistBed and Breakfast Proprietor Bingo Hall Attendant/CallerBiochemistBlacksmith Boat Builder Bookkeeper Bookmaker– No on-course work– On-course workBox Ofce Clerk – Cinema or Theatre Breakdown Recovery Patrolman^ Bricklayer* Bricklayer’s mate* Builder* Builder’s mate* Building Contractor Building Inspector/Technician Building Site Foreman Building Site Manager Building Society Manager and Staff Building Surveyor Bulldozer Driver Butcher – Shop work only– OtherwiseBus Driver^Business Analyst/Consultant Buyer (Retail) C.A.D. Designer Cabin Crew (Airline)Cafe Owner/Proprietor (Licensed premises)Cafe Owner/Proprietor (Unlicensed) Cafe (Unlicensed) – Assistant/Cashier/Worker/SupervisorCall Centre Operator/Manager Camera Operator Canteen Assistant/Supervisor Car Mechanic Car Salesperson Car Valet Care Worker (including Residential) Caretaker, Janitor Carpenter*Carpet Cleaner Carpet Fitter Carriage CleanerCashier – Bank or Building Society– Otherwise OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 5 A B OCCUPATION/JOB TITLE OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Accountant/Accountancy AssistantActor/Actress (No Stunt Work) Actor/Actress (Stunt Work) Actuary/Actuarial AssistantAcupuncturistAdmin. Staff/Managers (Ofce type work) Advertising Agent/Clerk/Executive Aerial Erector*Agricultural WorkerAircraft Engineer Aircraft LoaderAirframe Maintenance and RepairAir Steward/Stewardess Air Trafc Controller/Control Assistant/Planner Airline Manager/Superintendent/Check-in Staff Airline Pilot (major commercial airlines) Airline Pilot (other airlines) IC IC IC Alarm Fitter Ambulance CrewAmbulance Driver^ Anaesthetist Animal Nurse/Nursing Auxiliary Animal Welfare Ofcer Antique Dealer Antique Restorer Architect Armed Forces Member – No special duties and not under ordersArtexer Artist Asbestos WorkerAsphalterAssembly Line Worker/Assembler Auditor Author Baggage Handler Bailiff Baker – Bakery Baker – in a shop Bank Staff Bar Manager/Manageress/Staff/Steward(ess) Barber Barrister ABBREVIATIONS AND OCCUPATION CLASS CODES. OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 4 WAIVER OF PREMIUM.The denition of disability is shown below:ABBREVIATIONS AND OCCUPATION CLASS CODES.The following codes are used in the Occupation Class listings: PRODUCT(S) OCC CLASSES DEFINITIONS OF DISABILITY FOR ALL PRODUCTS CODE CODE IPB A CIC U WOP EO IC EP 1, 2, 3, 4, H PRODUCT Income Protection Benet Critical Illness Cover Waiver of PremiumFor WOP all occupations are acceptable unless a ‘U’ or ‘IC’ is shown. DEFINITION OF DISABILITY Acceptable Unacceptable Exclude occupation (CIC only) Individual Consideration – refer to Underwriting Helpdesk (MUTAL) Extra Premium Unable to follow your normal occupation and not following any other.If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 SWTs. Details given in this guide are for those customers NOT working at heights(see page 2 for our denitions of working at heights). Otherwise treat as IC. If an occupation is not specically listed then those occupations, where working at heights is involved, are likely to receive the following decisions. The most likely outcome is in the attached table: Whole of Life 1, 2, 3, 4, H Unable to follow your normal occupation and not following any other.If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 FATs. IPB POLICIES ONLY^ For this occupation the minimum deferred period for this occupation is 13 weeks and the maximum expiry age allowed is 65.† For this occupation the maximum expiry age allowed is 50. Life coverA rating would be appliedWaiver of premiumThis benet would not be availableCritical illness coverAn occupation exclusion would be appliedTPD – own occupation denitionThis benet would not be availableTPD – SWT denitionThis benet would normally be availableIncome Protection Benet This type of policy would not be available Mortgage Life InsuranceMortgage Increasing Life InsuranceMortgage Life Insurance with Critical Illness CoverMortgage Increasing Life Insurance with Critical Illness CoverMortgage Decreasing Life InsuranceMortgage Decreasing Life Insurance with Critical Illness CoverMortgage Critical Illness CoverMortgage Increasing Critical Illness CoverMortgage Decreasing Critical Illness CoverLife Insurance Increasing Life InsuranceLife Insurance with Critical Illness CoverIncreasing Life Insurance with Critical Illness CoverCritical Illness CoverIncreasing Critical Illness CoverFamily and Personal Income PlanIncreasing Family and Personal Income PlanFamily and Personal Income Plan Critical Illness Cover Increasing Family Personal Income Plan CriticalIllness CoverFamily and Personal Income Plan with CriticalIllness CoverIncreasing Family and Personal Income Plan withCritical Illness 3 DEFINITIONS OF DISABILITY OR INCAPACITY BY OCCUPATION CLASS. CLAIM PRODUCT(S) OCC CLASSES DEFINITIONS OF DISABILITY FOR ALL PRODUCTS Total and Permanent Disability Incapacity Mortgage Life Insurance withCritical Illness Cover (CIC)Mortgage Increasing Life Insurance with CICMortgage Decreasing Life Insurance with CICMortgage Critical Illness Cover Mortgage Increasing Critical Illness CoverMortgage Decreasing Critical Illness CoverLife Insurance with CICIncreasing Life Insurance with CICCritical Illness CoverIncreasing Critical Illness CoverFamily and Personal Income Plan with Critical Illness CoverIncreasing Family and Personal Income Plan with Critical Illness CoverFamily and Personal Income Plan Critical Illness CoverIncreasing Family and Personal Income Plan Critical Illness Cover Income Protection BenetIncreasing Income Protection Benet 1, 21, 2, 3, 4, H 1, 2, 3, 4 Own occupation denition. However, the customer can choose Specied Work Tasks (SWTs) if they want.We will pay out if your customer fails 3 out of 6 SWTs. Own occupation denition. We will pay out if your customer fails 3 out of 6 Activities of Daily Living.ACTIVITIES OF DAILY LIVING/SPECIFIED WORK TASKS. OCCUPATION CATEGORIES Walking Climbing Lifting Bending Getting in and out of a car Writing The ability to walk more than 200 metres on a level surface. The ability to get into a standard saloon car, and out again. The ability to climb up a ight of 12 stairs and down again, using the handrail if needed. The manual dexterity to write legibily using a pen or pencil, or type using a desktop personal computer keyboard. The ability to pick up an object weighting 2kg at table height and hold for 60 seconds before replacing the object on the table. The ability to bend or kneel to touch the oor and straighten up again. GENERAL DESCRIPTION 2 – Part-time workers can apply for an income protection policy, however, if they work less than 16 hours per week the customer would only be eligible for houseperson’s cover. We will need additional information for certain products, i.e. Critical Illness This requires your customer to indicate which of the following occupation categories best describes their occupation. Please refer to the If an occupation category is selected (except for ‘other’), then the customer’s specic job title is not required and the occupation class will be as shown in the occupation If your customer is a houseperson, unemployed, student or retired, they will not need to select an occupation category, they will be given an occupation category known as the a) outside at heights over 15 metresfor more than 5 hours during a typical week. 15 metres is the height of a typical three-storey building.For Whole of Life applications only – outside at heights over 12 metres(40 feet) for more than 10% of the time;b) in the Armed Forces or as a member of the Army Reserve; c)in the offshore shing industry;d) in the offshore oil or gas production industry;e)underwater;f) underground, for example: mining, tunnelling;g)with explosives;h) as a full-time barman, barmaid or landlord in a public house. Full time means working an average of 30 or more hours a week.Individual consideration is required for those indicating any of the above apply.This guide contains a list of job titles with the relevant occupation class. However, these are for guidance only and it is possible that your customer’s job title is not listed. If you need any help in nding your customer’s occupation class, please contact the Medical Underwriting Technical Advice Line (MUTAL) on 0370 333 3699 Monday to Friday from 9am to 6pm. For your protection, we may need to record and monitor calls. Call charges will vary.Depending on the product applied for and the route applied through, we will ask some or all of the following questions about whether your customer’s occupation involves working: WELCOME TO THE OCCUPATION CLASS GUIDE.This guide will help you to determine your customer’s occupation class. Your customer’s occupation will decide the denition of disability or incapacity which applies to their policy in the event of a claim. These denitions will also differ depending on the type of plan purchased (see chart on page 3). OCCUPATION CATEGORIES Working in an ofce-type environment for at least 75% of your typical working day Education, for example: teacher, lecturer, head teacher, classroom assistant, nursery worker Nurse, staff nurse, charge nurse, sister, matron, auxiliary, paramedic, practice nurse, dental nurse, district nurse, midwife Surgeon, anaesthetist, obstetrician, gynaecologist, dentist, dental hygienist, care assistant, carer, social worker or physiotherapist Physician, medical or general practitioner, hospital doctor, psychiatrist, osteopath Retail, for example: salesperson, retailer, shop worker or manager (except market traders) Catering, for example: caterer, chef, cook, waiter, waitress, kitchen staff Other (including the exceptions above) 1 2 3 2 3 2 3 CLASS Ofce type work Laboratory Technician/Doctor, etc. Education Retail Nursing Catering Surgeon, etc. GENERAL DESCRIPTION 1 OCCUPATION CLASS GUIDE. PROTECTION FOR PROFESSIONAL USE ONLY OCCUPATION CLASS GUIDE OCCUPATION CLASS GUIDE OCCUPATION CLASS GUIDE www.legalandgeneral.com Legal & General Assurance Society Limited Registered in England and Wales No.166055 Registered ofce: One Coleman Street, London EC2R 5AA Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. W7557 12/16 20 V OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Van Driver^ 4 A A A U A A Vehicle Body Builder/Repairer 4 A A A U A A Vehicle Technician 3 A A A U A A Vending Machine Engineer 3 A A A U A A Veterinarian 2 A A A A A A Veterinarian Nurse 2 A A A A A A Vicar 1 A A A A A A Vocational Training Instructor 3 A A A U A A W OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Waiter, Waitress 2 A A A A A A Warehouse Manager 2 A A A A A A Warehouse Operator 4 A A A U A A Waste Disposal Operative 4 A U EO U EO U Watch/Clock Maker/Repairer 3 A A A U A A Water Treatment Operator 4 A A A U A A Website Designer 1 A A A A A A Welder* – not on a rig, underwater or a track welder – usually 4 A A A U A A Winch Driver/Operator 4 A U A U A U Window Cleaner* 4 A A A U A A Window Fitter/Installer 4 A A A U A A Windscreen Fitter 3 A A A U A A Woodworker/Machinist 4 A A A U A A Works Clerk/Receptionist 1 A A A A A A Y OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Yoga Teacher 3 A A A U A A Youth Hostel Warden 2 A A A A A A Youth Worker/Leader 3 A A A U A A Z OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Zoo Curator/Director A A A A A Zookeeper (including Head) A A U A A 19 T OCCUPATION/JOB TITLE Tailor 2 A A A A A A Tanker Driver^ 4 A A A U A A Tattoo Artist 4 A A A U A A Tax Consultant/Inspector 1 A A A A A A Taxi Driver/Owner^ 4 A A A U A A Teacher – includes Supply, Teaching Assistant and Special Needs 3 A A A U A A Technical Engineer 3 A A A U A A Technician 3 A A A U A A Telecommunications Engineer 3 A A A U A A Telephone Engineer 3 A A A U A A Telesales Manager/Representative 1 A A A A A A Tennis Coach 3 A A A U A A Tennis Player (Professional) 4 A U A U A U Ticket Inspector/Collector 2 A A A A A A Tiler* 4 A A A U A A Timber Merchant (no manual work) 2 A A A A A A Timber Merchant (some manual work) 4 A A A U A A Tool Fitter 3 A A A U A A Toolmaker 4 A A A U A A Tour Guide 2 A A A A A A Track Layer/Trackman 4 A U EO U EO U Trafc Warden 3 A A A U A A Train/Tram Driver 4 A A A U A A Translator 1 A A A A A A Travel Agent 1 A A A A A A Tree Feller 4 EP U EO U EO U Tree Surgeon 4 A U A U A U Tunneller 4 IC U IC U IC U Tutor 3 A A A U A A Tyre Fitter 4 A A A U A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC U OCCUPATION/JOB TITLE Underground Train Driver 4 A A A U A A Undertaker 2 A A A A A A Underwriter 1 A A A A A A University Lecturer 3 A A A U A A University Technician 3 A A A U A A Upholsterer 3 A A A U A A Usher (Cinema/Entertainment Venue) 2 A A A A A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 18 S OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Silversmith 4 A A A U A A Skipper (Merchant Marine) 4 A U A U A U Slate Cutter/Dresser/Polisher 4 A A A U A A Slater – see Roofer* Slaughterhouse Worker 4 A A A U A A Snooker Player (Professional) 4 A U A U A U Social Worker 3 A A A U A A Software Consultant/Engineer 1 A A A A A A Solicitor 1 A A A A A A Sound Engineer/Sound Technician 2 A A A A A A Special Needs Educational Co-ordinator/Teacher/ Teaching Assistant 3 A A A U A A Speech Therapist 1 A A A A A A Sport Massage Therapist 3 A A A U A A Sports Coach 3 A A A U A A Spot Welder 4 A A A U A A Spray Painter 4 A A A U A A Stable Hand/Lad 4 A A A U A A Stage Manager 2 A A A A A A Stage Technician 3 A A A U A A Station Ofcer – Fire Service 3 A A A U A A Statistician 1 A A A A A A Steel Erector* 4 A U A U A U Steel Fabricator/Fixer* 4 A A A U A A Stockbroker/Broker-dealer 1 A A A A A A Stone Cutter/Dresser/Polisher 4 A A A U A A Stonemason* 4 A A A U A A Store Detective 2 A A A A A A Store Manager 2 A A A A A A Storeman 4 A A A U A A Street Cleaner 4 A U A U A U Structural Engineer* 1 A A A A A A Supermarket Assistant/Staff 2 A A A A A A Supermarket Manager/Deputy Manager 2 A A A A A A Support Worker 3 A A A U A A Surgeon 3 A A A U A A Surveyor – Architectural/Land Also see Building Surveyor and Quantity Surveyor 1 A A A A A A Swimming Instructor 3 A A A U A A Swimming Pool Attendant 3 A A A U A A Systems Analyst/Manager/Programmer 1 A A A A A A 17 R OCCUPATION/JOB TITLE Rig Welder 4 A U EO U EO U Road Maintenance Worker 4 A U EO U EO U Road Sweeper 4 A U EO U EO U Roofer* 4 A A A U A A Royal Air Force – see Armed Forces Member Royal Navy – see Armed Forces Member Royal Military Police Ofcer 4 IC U IC U IC U RSPCA Inspector 2 A A A A A A Rubbish Collector – see Refuse Collector Rugby Player (Professional) 4 A U A U A U OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC S OCCUPATION/JOB TITLE Safety Ofcer (not on a rig) 1 A A A A A A Sales Assistant 2 A A A A A A Sales Manager 1 A A A A A A Sales and Marketing Manager 1 A A A A A A Sales Representative 2 A A A A A A Sandblaster 4 A A A U A A Satellite Aerial Installer/ Engineer* 4 A A A U A A Scaffolder* (not on a rig and not ship building or repair) 4 A A A U A A School Bursar/Inspector/Secretary 1 A A A A A A School Crossing Attendant 3 A A A U A A School Janitor 3 A A A U A A School Maid/Matron/Nurse 3 A A A U A A Scientic Assistant 2 A A A A A A Scientist 1 A A A A A A Scrapyard Dealer/Owner/Baler/Grader/Sorter 4 A U EO U EO U Scriptwriter 3 A A A U A A Secretary 1 A A A A A A Security Guard 4 A A A U A A Security Ofcer (premises) 3 A A A U A A Security Ofcer (other) 4 A U A U A U Security Van Driver^ 4 A A A U A A Service Engineer 3 A A A U A A Sewage Works Attendant 4 A A A U A A Sewing Machinist 3 A A A U A A Sheet Metal Worker 4 A A A U A A Shipbuilder/Shipwright 3 A A A U A A Ship Fitter/Repairer/Breaker 4 A A A U A A Shoemaker or Repairer 3 A A A U A A Shop Assistant/Worker/Keeper/Manager/Proprietor 2 A A A A A A Shop Cleaner 4 A U A U A U Shop Fitter 4 A A A U A A Sign Erector* 4 A A A U A A Signwriter* 3 A A A U A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 16 P OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER WOP CIC CIC TPD OWN CIC TPD SWT IPB Property Manager 3 A A A U A A Property Developer – no manual work 2 A A A A A A – some manual work 4 A A A U A A Public Service Vehicle (PSV) Driver^ 4 A A A U A A Psychiatrist 2 A A A A A A Psychologist 2 A A A A A A Psychotherapist 2 A A A A A A Public Relations Executive/Ofcer 1 A A A A A A Publican/Public House Manager/Landlord 4 A A A U A A Publicity Agent 2 A A A A A A Publisher 1 A A A A A A Q OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER WOP CIC CIC TPD OWN CIC TPD SWT IPB Quality Controller (No manual work) 2 A A A A A A Quality Controller (Some manual work) 3 A A A U A A Quality Tester 3 A A A U A A Quantity Surveyor 1 A A A A A A R OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER WOP CIC CIC TPD OWN CIC TPD SWT IPB Radio and Television Presenter 3 A A A U A A Radio and Television Repairman 3 A A A U A A Radiographer 2 A A A A A A Radiologist 2 A A A A A A Railway Guard/Station Personnel 3 A A A U A A Railway Linesman 4 A A A U A A Railway Police Ofcer 3 A A A U A U Receptionist 1 A A A A A A Recording Engineer/Technician 2 A A A A A A Recruitment Consultant/Manager 1 A A A A A A Recycling Operative 4 A U EO U EO U Refrigeration Engineer 3 A A A U A A Refuse Collector 4 A U EO U EO U Registrar 1 A A A A A A Removals Man 4 A U A U A U Reporter 3 A A A U A A Residential Care Ofcer 3 A A A U A A Residential Home Proprietor 3 A A A U A A Restaurant Manager/Proprietor 2 A A A A A A Retail Shop Manager/Worker/Proprietor 2 A A A A A A Riding Instructor 4 A U A U A U Rig Electrician 4 A U EO U EO U Rig Maintenance Diver 4 IC U EO U EO U Rig Mechanic 4 A U EO U EO U Rig Medic 3 A U A U A U ’ – 4 WAIVER OF PREMIUM. The denition of disability is shown below: PRODUCT(S) OCC CLASSES DEFINITIONS OF DISABILITY FOR ALL PRODUCTS 1, 2, 3, 4, H Unable to follow your normal occupation and not following any other. If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 SWTs. Whole of Life 1, 2, 3, 4, H Unable to follow your normal occupation and not following any other. If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 FATs. Mortgage Life Insurance Mortgage Increasing Life Insurance Mortgage Life Insurance with Critical Illness Cover Mortgage Increasing Life Insurance with Critical Illness Cover Mortgage Decreasing Life Insurance Mortgage Decreasing Life Insurance with Critical Illness Cover Mortgage Critical Illness Cover Mortgage Increasing Critical Illness Cover Mortgage Decreasing Critical Illness Cover Life Insurance Increasing Life Insurance Life Insurance with Critical Illness Cover Increasing Life Insurance with Critical Illness Cover Critical Illness Cover Increasing Critical Illness Cover Family and Personal Income Plan Increasing Family and Personal Income Plan Family and Personal Income Plan Critical Illness Cover Increasing Family Personal Income Plan Critical Illness Cover Family and Personal Income Plan with Critical Illness Cover Increasing Family and Personal Income Plan with Critical Illness ABBREVIATIONS AND OCCUPATION CLASS CODES. The following codes are used in the Occupation Class listings: CODE CODE IPB A CIC U WOP EO IC EP PRODUCT Income Protection Benet Critical Illness Cover Waiver of Premium For WOP all occupations are acceptable unless a ‘U’ or ‘IC is shown. DEFINITION OF DISABILITY Acceptable Unacceptable Exclude occupation (CIC only) Individual Consideration – refer to Underwriting Helpdesk (MUTAL) Extra Premium * Details given in this guide are for those customers NOT working at heights (see page 2 for our denitions of working at heights). Otherwise treat as IC. If an occupation is not specically listed then those occupations, where working at heights is involved, are likely to receive the following decisions. The most likely outcome is in the attached table: Life cover A rating would be applied Waiver of premium This benet would not be available Critical illness cover An occupation exclusion would be applied TPD own occupation denition This benet would not be available TPD – SWT denition This benet would normally be available Income Protection Benet This type of policy would not be available IPB POLICIES ONLY ^ For this occupation the minimum deferred period for this occupation is 13 weeks and the maximum expiry age allowed is 65. † For this occupation the maximum expiry age allowed is 50. ABBREVIATIONS AND OCCUPATION CLASS CODES. 5 A OCCUPATION/JOB TITLE Accountant/Accountancy Assistant 1 A A A A A A Actor/Actress (No Stunt Work) 3 A U A U A U Actor/Actress (Stunt Work) 3 IC U EO U EO U Actuary/Actuarial Assistant 1 A A A A A A Acupuncturist 2 A A A A A A Admin. Staff/Managers (Ofce type work) 1 A A A A A A Advertising Agent/Clerk/Executive 1 A A A A A A Aerial Erector* 4 A A A U A A Agricultural Worker 4 A U A U A U Aircraft Engineer 3 A A A U A A Aircraft Loader 4 A A A U A A Airframe Maintenance and Repair 4 A A A U A A Air Steward/Stewardess 3 A A A U A A Air Trafc Controller/Control Assistant/Planner 1 A A A A A A Airline Manager/Superintendent/Check-in Staff 1 A A A A A A Airline Pilot (major commercial airlines) 3 A U A U A U Airline Pilot (other airlines) 3 IC U IC U IC U Alarm Fitter 4 A A A U A A Ambulance Crew 3 A A A U A A Ambulance Driver^ 3 A A A U A A Anaesthetist 3 A A A U A A Animal Nurse/Nursing Auxiliary 3 A A A U A A Animal Welfare Ofcer 2 A A A A A A Antique Dealer 2 A A A A A A Antique Restorer 3 A A A U A A Architect 1 A A A A A A Armed Forces Member – No special duties and not under orders 4 A U A U A U Artexer 4 A A A U A A Artist 3 A A A U A A Asbestos Worker 4 A U EO U EO U Asphalter 4 A U EO U EO U Assembly Line Worker/Assembler 4 A A A U A A Auditor 1 A A A A A A Author 3 A A A U A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC B OCCUPATION/JOB TITLE Baggage Handler 4 A A A U A A Bailiff 2 A A A A A A Baker – Bakery 3 A A A U A A Baker – in a shop 2 A A A A A A Bank Staff 1 A A A A A A Bar Manager/Manageress/Staff/Steward(ess) 4 A A A U A A Barber 2 A A A A A A Barrister 1 A A A A A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 3 DEFINITIONS OF DISABILITY OR INCAPACITY BY OCCUPATION CLASS. CLAIM PRODUCT(S) OCC CLASSES DEFINITIONS OF DISABILITY FOR ALL PRODUCTS Total and Permanent Disability Incapacity Mortgage Life Insurance with Critical Illness Cover (CIC) Mortgage Increasing Life Insurance with CIC Mortgage Decreasing Life Insurance with CIC Mortgage Critical Illness Cover Mortgage Increasing Critical Illness Cover Mortgage Decreasing Critical Illness Cover Life Insurance with CIC Increasing Life Insurance with CIC Critical Illness Cover Increasing Critical Illness Cover Family and Personal Income Plan with Critical Illness Cover Increasing Family and Personal Income Plan with Critical Illness Cover Family and Personal Income Plan Critical Illness Cover Increasing Family and Personal Income Plan Critical Illness Cover Income Protection Benet Increasing Income Protection Benet 1, 2 1, 2, 3, 4, H 1, 2, 3, 4 Own occupation denition. However, the customer can choose Specied Work Tasks (SWTs) if they want. We will pay out if your customer fails 3 out of 6 SWTs. Own occupation denition. We will pay out if your customer fails 3 out of 6 Activities of Daily Living. ACTIVITIES OF DAILY LIVING/SPECIFIED WORK TASKS. OCCUPATION CATEGORIES Walking Climbing Lifting Bending Getting in and out of a car Writing The ability to walk more than 200 metres on a level surface. The ability to get into a standard saloon car, and out again. The ability to climb up a ight of 12 stairs and down again, using the handrail if needed. The manual dexterity to write legibily using a pen or pencil, or type using a desktop personal computer keyboard. The ability to pick up an object weighting 2kg at table height and hold for 60 seconds before replacing the object on the table. The ability to bend or kneel to touch the oor and straighten up again. GENERAL DESCRIPTION 2 a) outside at heights over 15 metres for more than 5 hours during a typical week. 15 metres is the height of a typical three-storey building. For Whole of Life applications only – outside at heights over 12 metres (40 feet) for more than 10% of the time; b) in the Armed Forces or as a member of the Army Reserve; c) in the offshore shing industry; d) in the offshore oil or gas production industry; e) underwater; f) underground, for example: mining, tunnelling; g) with explosives; h) as a full-time barman, barmaid or landlord in a public house. Full time means working an average of 30 or more hours a week. Individual consideration is required for those indicating any of the above apply. This guide contains a list of job titles with the relevant occupation class. However, these are for guidance only and it is possible that your customer’s job title is not listed. If you need any help in nding your customer’s occupation class, please contact the Medical Underwriting Technical Advice Line (MUTAL) on 0370 333 3699 Monday to Friday from 9am to 6pm. For your protection, we may need to record and monitor calls. Call charges will vary. Depending on the product applied for and the route applied through, we will ask some or all of the following questions about whether your customer’s occupation involves working: WELCOME TO THE OCCUPATION CLASS GUIDE. This guide will help you to determine your customer’s occupation class. Your customer’s occupation will decide the denition of disability or incapacity which applies to their policy in the event of a claim. These denitions will also differ depending on the type of plan purchased (see chart on page 3). OCCUPATION CATEGORIES Working in an ofce type environment for at least 75% of your typical working day Education, for example: teacher, lecturer, head teacher, classroom assistant, nursery worker Nurse, staff nurse, charge nurse, sister, matron, auxiliary, paramedic, practice nurse, dental nurse, district nurse, midwife Surgeon, anaesthetist, obstetrician, gynaecologist, dentist, dental hygienist, care assistant, carer, social worker or physiotherapist Physician, medical or general practitioner, hospital doctor, psychiatrist, osteopath Retail, for example: salesperson, retailer, shop worker or manager (except market traders) Catering, for example: caterer, chef, cook, waiter, waitress, kitchen staff Other (including the exceptions above) 1 2 3 2 3 2 3 CLASS Ofce type work Laboratory Technician/Doctor, etc. Education Retail Nursing Catering Surgeon, etc. GENERAL DESCRIPTION 1 PROTECTION OCCUPATION CLASS GUIDE. FOR PROFESSIONAL USE ONLY 6 B OCCUPATION/JOB TITLE Beautician/Beauty Therapist Bed and Breakfast Proprietor Bingo Hall Attendant/Caller Biochemist Blacksmith Boat Builder Bookkeeper Bookmaker – No on-course work – On-course work Box Ofce Clerk – Cinema or Theatre Breakdown Recovery Patrolman^ Bricklayer* Bricklayer’s mate* Builder* Builder’s mate* Building Contractor Building Inspector/Technician Building Site Foreman Building Site Manager Building Society Manager and Staff Building Surveyor Bulldozer Driver Butcher – Shop work only – Otherwise Bus Driver^ Business Analyst/Consultant Buyer (Retail) C OCCUPATION/JOB TITLE C.A.D. Designer Cabin Crew (Airline) Cafe Owner/Proprietor (Licensed premises) Cafe Owner/Proprietor (Unlicensed) Cafe (Unlicensed) – Assistant/Cashier/Worker/Supervisor Call Centre Operator/Manager Camera Operator Canteen Assistant/Supervisor Car Mechanic Car Salesperson Car Valet Care Worker (including Residential) Caretaker, Janitor Carpenter* Carpet Cleaner Carpet Fitter Carriage Cleaner Cashier – Bank or Building Society OCCUPATION CLASS 2 3 2 3 2 2 4 4 1 OCCUPATION CLASS 1 3 4 2 2 1 2 2 3 2 3 3 3 4 4 4 4 1 LIFE COVER A A A A A A A A A A LIFE COVER A A A A A A A A A A A A A A A A A A WOP A A U A U A U A A A A WOP A A A A A A A A A A A A A A U A U A CIC A A A A A A A A A CIC A A A A A A A A A A A A A A A A A A CIC TPD OWN A U A U A A U A U A U A U A U U A A CIC TPD OWN A U U A A A A A U A U U U U U U U A CIC TPD SWT A A A A A A A A CIC TPD SWT A A A A A A A A A A A A A A A A A A IPB A A U A U A U A A A A IPB A A A A A A A A A A A A A A U A U A – Otherwise AAA AA 10 F OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Florist 2 A A A A A A Flying Instructor 3 IC U IC U IC U Food Process Worker 2 A A A A A A Football Coach 3 A A A U A A Football Player (Professional) 4 A U A U A U Forest Worker 4 A U A U A U Forestry Ofcer 2 A A A A A A Forklift Truck Driver^ 3 A A A U A A Foundry Worker 4 A U A U A U Funeral Director 1 A A A A A A Furniture Maker/Polisher/Restorer 4 A A A U A A Furniture Remover 4 A U A U A U G OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Galvaniser 4 A A A U A A Garage Manager/Proprietor – no manual work 2 A A A A A A Garage Manager/Proprietor – some manual work 3 A A A U A A Garage Tyre/Exhaust Fitter 4 A A A U A A Gardener 4 A A A U A A Gas Engineer 3 A A A U A A Gas Fitter 4 A A A U A A General Practitioner 2 A A A A A A Geologist/Geophysicist 2 A A A A A A Glass Worker/Cutter/Finisher 4 A A A U A A Glazier 4 A A A U A A Golf Player (Professional) 4 A U A U A U Graphic Designer 1 A A A A A A Greengrocer 2 A A A A A A Groundsman 3 A A A U A A Groundworker 4 A U EO U EO U Guest House Proprietor 3 A A A U A A Gynaecologist 3 A A A U A A H OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Hairdresser – mobile/salon 2 A A A A A A Handyman* 4 A U A U A U Harbour Pilot 3 A A A U A A Haulier 4 A A A U A A Head Teacher/Master/Mistress 3 A A A U A A Health and Fitness Club Trainer† 3 A A A U A A Health and Safety Ofcer 1 A A A A A A Health Visitor 2 A A A A A A Healthcare Assistant 3 A A A U A A Heating and Plumbing Engineer A A U A A 9 E OCCUPATION/JOB TITLE Electrical Technician 3 A A A U A A Electrician – including Domestic Electrician 4 A A A U A A Electronics Assembler/Fitter/Installer/Repairer 4 A A A U A A Electroplater 4 A A A U A A Enameller 3 A A A U A A Engineer – Armed Forces (see Armed Forces) – Doing ofce-type work in an ofce environment for at least 75% of a typical working day 1 A A A A A A – Otherwise outcome likely to be as listed unless the specic job title that reects the nature and 3 A A A U A A environment of the work done is listed separately Engineering Technician 3 A A A U A A Environmental Health Ofcer 1 A A A A A A Estate Agent 1 A A A A A A Event Organiser/Manager 2 A A A A A A Excavator Driver 4 A U A U A U OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC F OCCUPATION/JOB TITLE Fabricator 4 A A A U A A Factory Inspector 3 A A A U A A Factory Manager – no manual work 2 A A A A A A – some manual work 4 A A A U A A Factory Worker 4 A A A U A A Farm Labourer/Worker 4 A U A U A U Farm Manager 2 A A A A A A Farm Owner 3 A A A U A A Farmer 3 A A A U A A Fashion Designer (including Accessories) – Doing ofce-type work in an ofce environment for at least 75% of a typical working day – Otherwise 1 3 A A A A U A A Fence Erector 4 A A A U A A Fibreglass Worker 4 A U A U A U Film Director/Producer/Writer 3 A A A U A A Film Editor 2 A A A A A A Finance Broker/Director/Manager 1 A A A A A A Financial Adviser/Controller 1 A A A A A A Financial Analyst 1 A A A A A A Fireghter (includes using aerial platform) 4 A A EO U EO A Fire Investigator/Fire Prevention Ofcer 2 A A A A A A Fire Service – Senior Ofcer 3 A A A U A A Fish and Chip Shop Owner/Worker 2 A A A A A A Fish Farmer 3 A A A U A A Fisherman 4 IC U IC U IC U Fishmonger 2 A A A A A A Fitness Instructor† 3 A A A U A A Fitter/Fitter’s mate – usually 4 A A A U A A Flight Attendant 3 A A A U A A Floor Layer 4 A A A U A U Flooring Contractor 4 A A A U A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 8 C OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Consultant – Hospital (no surgery) 2 A A A A A A – Hospital (surgeon) 3 A A A U A A Cook – see Chef Crane Driver* 4 A U EO U EO U Court Usher 1 A A A A A A Cricket Player (Professional) 4 A U A U A U Customs and Excise Ofcer – Port control 1 A A A A A A Customs and Excise Ofcer – Investigative work 2 A A A A A A Customer Services Agent/Supervisor/Manager 1 A A A A A A D OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Dance Teacher 3 A U A U A U Dancer 3 A U A U A U Darts Player (Professional) 4 A U A U A IC Debt Collector 3 A A A U A A Delivery Driver^ 4 A A A U A A Dental Nurse 3 A A A U A A Dentist or Dental Assistant/Auxiliary/ Consultant/Hygienist 3 A A A U A A Detention Centre Warden 3 A A A U A A Dietician 1 A A A A A A Digger Driver 4 A U A U A U Dinner Lady 2 A A A A A A Director – Doing ofce-type work in an ofce environment for at least 75% of a typical working day 1 A A A A A A – Otherwise outcome likely to be as listed unless the specic job title that reects the nature and the 3 A A A U A A environment of the work is listed separately Diver/Instructor 4 IC U IC U IC U Docker 4 A U A U A U Doctor (not surgeon/anaesthetist and not Armed Forces) 2 A A A A A A Doctor (surgeon/anaesthetist and not Armed Forces) 3 A A A U A A Dog Breeder 2 A A A A A A Dog Walker 3 A A A U A A Door and Window – Assembler/Installer/Fitter 4 A A A U A A Double Glazing – Assembler/Installer/Fitter 4 A A A U A A Drain Cleaner 4 A U EO U EO U Driver – not heavy plant or construction^ 4 A A A U A A Driving Examiner/Instructor^ 4 A A A U A A Dry Cleaning Shop Owner/Staff 3 A A A U A A Dustman 4 A U EO U EO U E OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Ecologist 1 A A A A A A Economist 1 A A A A A A Editor – Publishing 1 A A A A A A Electrical Engineer 3 A A A U A A Electrical Supply (Linesman) A A U A A 7 C OCCUPATION/JOB TITLE Casino Steward/Stewardess 3 A A A U A A CCTV Installer 3 A A A U A A CCTV Operator 1 A A A A A A Cemetery Attendant 4 A A A U A A Caterer/Catering Assistant 2 A A A A A A Chambermaid 3 A A A U A A Chandler 2 A A A A A A Chartered Surveyor 1 A A A A A A Chauffeur^ 4 A A A U A A Checkout Operator 2 A A A A A A Chef (including Head Chef) 2 A A A A A A Chemical Engineer 3 A A A U A A Chemist (not shop, mining or research work) 1 A A A A A A Chemist (shop, mining or research work) 2 A A A A A A Child Carer/Childminder 3 A A A U A A Child Protection Ofcer 1 A A A A A A Chimney Sweep 3 A A A U A A Chiropodist 2 A A A A A A Chiropractor 2 A A A A A A Chocolatier 2 A A A A A A Cinema Worker 2 A A A A A A Civil Engineer 1 A A A A A A Civil Servant (Ofce-based) 1 A A A A A A Claims Adjuster/Assessor 1 A A A A A A Classroom Assistant 3 A A A U A A Cleaner – Asbestos 4 A U EO U EO U Cleaner (Domestic/Hospital/Ofce/Industrial Premises – Internal only) 4 A U A U A U Clergyman/woman 1 A A A A A A Clerical Assistant/Ofcer/Worker 1 A A A A A A Cloakroom Attendant 3 A A A U A A Clock and Watch Maker/Repairer 3 A A A U A A Clothing Designer – Doing ofce-type work in an ofce environment for at least 75% of a typical working day 1 A A A A A A – Otherwise 3 A A A U A A Club Manager 4 A A A U A A Club Proprietor/Steward(ess) 4 A A A U A A Coach Driver^ 4 A A A U A A Coal Merchant (Administrative) 1 A A A A A A Coal Merchant (Manual) 4 A A A U A A Coal Miner – see Miner Coast Guard 3 A A A U A A Commodity Broker/Jobber 1 A A A A A A Community Worker 3 A A A U A A Company Director – If doing ofce-type work in an ofce environment for at least 75% of a typical working day 1 A A A A A A – Otherwise outcome likely to be as listed unless the specic job title that reects the nature and 3 A A A U A A the environment of the work is listed separately. Compliance Manager 1 A A A A A A Computer Analyst/Consultant/Programmer/ Services Manager/Software Engineer 1 A A A A A A Computer Engineer 3 A A A U A A Concrete Operative (Erector/Finisher) 4 A A A U A A Conductor – Train crew – Railways 3 A A A U A A Construction worker – see Builder OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 15 P OCCUPATION/JOB TITLE Pharmacist 1 A A A A A A Pharmacy Assistant 2 A A A A A A Photographer – Aerial photography 3 IC U IC U IC U – Portrait/Studio/Industrial or Weddings 2 A A A A A A – Other 3 A IC A U A IC Physician (No Surgery) 2 A A A A A A Physicist 1 A A A A A A Physiotherapist 3 A A A U A A Pile Driver 4 A U A U A U Pilot (Also see Airline Pilot) 3 IC U IC U IC U Pilot – Remotely Operated Vehicle 4 A A A U A A Pipe Fitter/Jointer/Layer 4 A A A U A A Plant Hire Manager/Owner – some manual work or driving 4 A U A U A U Plant Hire Manager/Owner – no manual work or driving 3 A A A U A A Plant Operator 4 A U A U A U Plasterer 4 A A A U A A Plumber 3 A A A U A A Police (Ministry of Defence) – see Ministry of Defence Police Ofcer Police (Royal Military Police) – see Royal Military Police Ofcer Police (All ranks) 3 A A A U A U Police (Pilot) 3 IC U IC U IC U Police Community Support Ofcer (PCSO) 3 A A A U A U Politician 1 A A A A A A Pop Musician/Singer 4 IC IC IC U IC U Port Operative 4 A U A U A U Porter – baggage, hospital, hotel, night 3 A A A U A A Post Ofce Counter Staff/Postmaster 2 A A A A A A Post Sorter 3 A A A U A A Postal Courier Driver^ 4 A A A U A A Postman/woman (some driving)^ 4 A A A U A A Postman/woman (no driving) 3 A A A U A A Presenter – Radio/TV 3 A A A U A A Priest 1 A A A A A A Printer/Printer’s Assistant 3 A A A U A A Prison Ofcer/Warden 3 A A A U A A Private Investigator 3 A A A U A A Private Tutor 3 A A A U A A Probation Ofcer 3 A A A U A A Process Operator/Worker 4 A A A U A A Production Operative/Worker 4 A A A U A A Producer – TV, Radio, Record 3 A A A U A A Production Manager/Superintendent – no manual work 2 A A A A A A Production Manager/Superintendent – some manual work 4 A A A U A A Project Co-ordinator – doing ofce-type work in an ofce environment for at least 75% of a typical working day – Otherwise 1 2 A A A A A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Project Engineer/Manager/Worker – doing ofce-type work in an ofce environment for A A A AA at least 75% of a typical working day AAU A A – Otherwise 14 N OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Nanny 3 A A A U A A News Photographer 3 A A A U A A Newsagent 2 A A A A A A Newspaper Vendor 3 A U A U A U Newsreader 3 A A A U A A Nuclear Engineer/ing Technician 3 A A A U A A Nuclear Physicist/Scientist 1 A A A A A A Nurse – all including Student Nurse 3 A A A U A A Nursery Assistant/Nurse 3 A A A U A A Nurseryman 3 A A A U A A Nursing Home Proprietor 3 A A A U A A O OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Obstetrician 3 A A A U A A Occupational Health Nurse 3 A A A U A A Occupational Therapist 1 A A A A A A Ofce Administrator/Cashier/Clerk/Manager/ Messenger/Receptionist 1 A A A A A A Optical Instrument Fitter/Maker/Repairer 3 A A A U A A Optician 1 A A A A A A Orchestral Musician 3 A U A U A U Orthodontist 3 A A A U A A Orthopaedic Surgeon 3 A A A U A A Osteopath 2 A A A A A A Outdoor Pursuits Instructor^ 3 A A A U A A P OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Packer 4 A A A U A A Painter and/or Decorator* 4 A A A U A A Painter and/or Decorator (Interior only) 3 A A A U A A Panel Beater 4 A A A U A A Paramedic 3 A A A U A A Parking Enforcement Ofcer 3 A A A U A A Park Keeper/Ranger 3 A A A U A A Pathologist 1 A A A A A A Pavior 4 A U EO U EO U Pawnbroker 2 A A A A A A Payroll Administrator/Accounts Clerk/Manager 1 A A A A A A Personal Assistant 1 A A A A A A Personal Trainer† 3 A A A U A A Pest Control Operative 3 A A A U A A Petrol Station Attendant A A U A A 13 M OCCUPATION/JOB TITLE Machine Assistant/Operator/Minder – usually 4 A A A U A A Machine Tool Setter/Operator 4 A A A U A A Machinery Electrician 4 A A A U A A Mail Sorter 3 A A A U A A Maintenance Electrician/Fitter 4 A A A U A A Maintenance Engineer/Technician 3 A A A U A A Make-up Artist 2 A A A A A A Management Accountant/Consultant 1 A A A A A A Manager Please refer to the specic job title that reects the nature and environment of the work done, ie. if ‘Retail Manager’ refer to that. – If doing ofce-type work in an ofce environment 1 A A A A A A for at least 75% of a typical working day – Otherwise IC Marine Biologist 2 A A A A A A Marine Installation/Maintenance Fitter 4 A U A U A U Market or Street Trader 4 A U A U A U Marketing Consultant/Manager 1 A A A A A A Martial Arts Instructor 4 A A A U A A Mason/Mason’s Mate 4 A A A U A A Mechanic – Armed Forces (See Armed Forces) – Other Industries – usually 3 A A A U A A Mechanical Engineer 3 A A A U A A Mechanical Road Sweeper Driver^ 4 A A A U A A Medical Administrator/Receptionist/Secretary 1 A A A A A A Medical Laboratory Technician 2 A A A A A A Mental Health Worker 3 A A A U A A Metal – Fabricator/Machinist/Plater/Sprayer/Miller 4 A A A U A A Meter Installer 4 A A A U A A Meter Reader 2 A A A A A A Midwife 3 A A A U A A Milk Roundsman^ 4 A A A U A A Miner – underground or surface 4 A U EO U EO U Mining Engineer (no manual work) 3 A A A U A A Mining Ofcer/Surveyor (no manual work) 2 A A A A A A Ministry of Defence Police Ofcer 4 IC U IC U IC U Mobile Library/Shop Driver^ 4 A A A U A A Money Broker 1 A A A A A A Mortician 2 A A A A A A Mortuary Attendant 3 A A A U A A Motorcycle Courier/Messenger 4 A U EO U EO U Museum Attendant/Guide 2 A A A A A A Music Teacher 3 A A A U A A Musical Director 3 A A A U A A Musical Instrument Maker 3 A A A U A A OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC 12 J OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Janitor 3 A A A U A A JCB/Heavy Plant Driver 4 A U A U A U Jeweller (Shop) 2 A A A A A A Jewellery (Maker/Repair) 3 A A A U A A Joiner* 4 A A A U A A Jointer 4 A A A U A A Journalist 3 A A A U A A Judge 1 A A A A A A K OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Kennel Hand/Owner 3 A A A U A A Kiln Attendant 4 A U A U A U Kitchen Worker/Supervisor 2 A A A A A A L OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER CIC TPD OWN CIC TPD SWT WOP IPB CIC Laboratory Manager/Technician/Worker 2 A A A A A A Labourer – no farm work* 4 A U A U A U Landll Operative 4 A U EO U EO U Landlord (Property) 3 A A A U A A Landscape Designer 3 A A A U A A Landscape Gardener 4 A A A U A A Lathe Operator 4 A A A U A A Launderette – Supervisor, Assistant or Counter staff 3 A A A U A A Lawyer 1 A A A A A A Lecturer 3 A A A U A A Left Luggage Attendant 3 A A A U A A Legal Adviser/Assistant/Executive/Secretary 1 A A A A A A Leisure Centre Instructor 3 A A A U A A Leisure Centre Manager 2 A A A A A A Letting Agent 2 A A A A A A Librarian 1 A A A A A A Licensee (Licensed Trade) 4 A A A U A A Lifeboat Crew 4 A A A U A A Lifeguard – beaches 3 A U A U A U – swimming pool only 3 A A A U A A Lift Engineer 3 A A A U A A Lift Erector* 4 A A A U A A Light Goods Vehicle Driver^ 4 A A A U A A Linesman 4 A A A U A A Loading Bay Assistant 4 A A A U A A Local Government Ofcer 1 A A A A A A Locksmith 3 A A A U A A Lorry Driver^ 4 A A A U A A Loss Adjuster A A A A A 11 H OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER WOP CIC CIC TPD OWN CIC TPD SWT IPB Helicopter Instructor/Pilot 3 IC U IC U IC U HGV Driver^ 4 A A A U A A Highways Operative 4 A U EO U EO U Hoist Operator 4 A U A U A U Home Help 3 A A A U A A Horticulturist 3 A A A U A A Hospital Administrator/Manager/Receptionist 1 A A A A A A Hospital Doctor (not surgeon or anaesthetist) 2 A A A A A A Hospital Doctor (surgeon/anaesthetist) 3 A A A U A A Hospital Porter/Storeman/Ward Orderly 3 A A A U A A Hotel Barman 4 A A A U A A Hotel Doorman 3 A A A U A A Hotel Manager – Doing ofce-type work in an ofce environment for at least 75% of a typical working day 1 A A A A A A – Otherwise 2 A A A A A A Hotel Porter 3 A A A U A A Hotel Proprietor 3 A A A U A A Hotel Receptionist 1 A A A A A A Housebuilder* 4 A A A U A A Housekeeper 3 A A A U A A Houseperson H A A A U A A Housing Manager/Ofcer 1 A A A A A A Hovercraft – Captain/Navigator/First Ofcer 3 A U A U A U Human Resources Administrator/Consultant/Manager 1 A A A A A A I OCCUPATION/JOB TITLE OCCUPATION CLASS LIFE COVER WOP CIC CIC TPD OWN CIC TPD SWT IPB Ice Cream Vendor/Van Driver^ 4 A A A U A A Illustrator 3 A A A U A A Immigration Ofcer 1 A A A A A A Importer and Exporter 3 A A A U A A Incinerator Operator 4 A U A U A U Independent Financial Adviser 1 A A A A A A Industrial Chemist 2 A A A A A A Industrial Trainer 2 A A A A A A Inspector – within manufacturing industry 3 A A A U A A Insurance Agent 1 A A A A A A Insurance/Assessor/Broker/Consultant/ Inspector/Underwriter 1 A A A A A A Interior Designer 3 A A A U A A Investment Analyst 1 A A A A A A IT Analyst/Consultant/Services Manager 1 A A A A A A IT Technician 2 A A A A A A