Bright Grey – underwriting occupational categories

Occupations are grouped into different risk categories and the table below shows what these categories are and the definition of disability or incapacity we can apply.

The following table should only be used as a guide. The final occupation class will be determined by an individual client’s occupation and duties.

Important note

In some cases, we won't be able to offer cover on an own occupation basis. We’ll only be able to offer cover on a working tasks basis for:

Total Permanent Disability - all occupations that involve driving over 20,000 miles each year.
Income Cover for Sickness - all class 1 occupations that involve driving over 40,000 miles each year.
For class 1 occupations that involve driving between 30,001 and 40,000 miles a year we will apply a +50% rating for Income Cover for Sickness.

Class/ occupational example	Income Cover for Sickness /Payment Cover for Sickness	Minimum deferred period	Total Permanent Disability
1. Typically professional /managerial - no manual work.	Own occupation	4 weeks	Own occupation
2. As class 1 but may involve minimal degree of supervisory work.	Own occupation	4 weeks	Own occupation
3. Typically craftsmen and tradesmen engaged in management and supervision only.	Own occupation	13 weeks	Working tasks
4. Typically skilled operatives - minimal and/or heavier manual duties.	Own occupation	26 weeks	Working tasks
5. Greater involvement of manual work.	Working tasks	13 weeks	Working tasks
6. Typically craftsmen and tradesmen, involved in normal duties or higher level of manual work.	Working tasks	13 weeks	Working tasks
7. Typically unskilled operatives (but certain skilled operatives can fall into this class) - heavier manual duties - 100% lighter manual duties.	Working tasks	26 weeks	Working tasks
8. Heavy manual work.	Working tasks	26 weeks	Working tasks
9. Specialised occupations relying on specialist skills, both physical and artistic, e.g. professional sportsman, musician.	Individual consideration	Individual consideration	Individual consideration

Bright Grey is a division of The Royal London Mutual Insurance Society Limited
which is authorised and regulated by the Financial Services Authority No. 117672.
Group registered VAT number 368 5244 27.