Occupational hazards

High risk occupations

Professional Adviser
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Protection has always been expensive for those in high risk occupations, but is it fair that consumers may compromise on product quality? Paul Wood examines the case for IP

Whether living to work or working to live, we're all defined to a certain extent by our occupation. It has a major impact on almost every facet of our lives. It affects where we live, the friends we make and, most importantly, it directly impacts the size of our bank balance. However there are more tenuous, less obvious impacts that a person's occupation may have. It may have an impact on how we dress, how we speak and even the insurance premiums paid. Income protection (IP) has long been seen as the black sheep of the protection market, the underperforming younger brother to term assur...

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