Occupation is one of the factors that affects the risk of the client. The more risky the profession, the higher the cost of insurance. This means that for example a joiner has insurance more expensive than an official. Occupations mostly affect the accident insurance, but some insurers also divide clients for sickness risks.
People who have been exposed to health problems because of their profession should also adapt their life insurance policies. Insurance should cover the risk of disability and death. In the case of excessively hazardous work, supplementary supplementary insurance may also be used to cover the risks of incapacity for work or serious illness. It is necessary to know exactly how much the insurers will get and under what conditions if they get into trouble.
Because the profession is one of the factors that affects the risk of the client, it is necessary to report to the insurance company also the change of the profession. Should the client be classified as a lower risk group at the time of the insured event, the insurance company may reduce any outstanding claims due to the fact that under the insurance conditions it is obliged to report the change. On the other hand, if he was included in a higher risk group, unnecessarily high premiums are payable.
The amount of the insurance premium is always determined by the amount of the insured sum by the insurance company, as well as by the extent of the insurance, the health condition of the client, his age and whether or not the insured is a smoker or a registered athlete.
Insurance companies also compile their own injury and disease profiles of individual professions. When arranging an insurance contract, according to these tables, it determines the insurance premium for accident and invalidity insurance.
The lowest premium is set for professions of a rather administrative or intellectual nature, with higher premiums being paid by those performing medium-risk activities such as manual and physical occupations.
Extremely risky professions are rated by insurers, for example, professions that do not spend most of their time on a firm ground, or vice versa, their activities are most of the time underground. For these professions, the premium is the highest. According to that the degree of risk may vary for the risk of an accident and the risk of disability.
Invalidity also includes occupational illness, for example due to being in a harmful environment or extreme physical strain.
For example, police officers distinguish between insurance companies, whether they are mainly administrative, or whether they are in the field or, as the case may be, a member of the intervention unit. In addition, there are also occupations, such as professional athletes, for whom individual insurance conditions need to be determined.
Even when negotiating an insurance contract, it is necessary to think. For example, if a woodworker joins the wood, he gets his hands safe because he is afraid he will lose his fingers, but he will not be insured for invalidity, for example because of a spinal cord disease, a hand safety will be useless.
Death, disability and long-term incapacity for work due to injury and illness should therefore always be a priority. All this can be supplemented by supplementary insurance for permanent consequences due to an accident or serious illness.
In practice, it may still seem, although it always depends on the individual needs of the client, that the contingency reserve is at least three, ideally up to six times the monthly expenses.
Invalidity insurance amounts to hundreds of dollars to cover the difference between monthly and state disability pensions until the end of the working age, and death insurance can be set, for example, to the amount of the mortgage loan principal. Monthly premiums in this case then the client comes out from $ 20 to $ 60.
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