Disability Insurance – Occupations that are mid-range risk for Canada Life

5 October 2009, 6:00 pm

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Occupation classes 3 and 4 are considered mid-range risk by Canada Life. As mentioned, often the ranking of 3 or 4 can be upped by one or even two levels, dependent on factors such as income, job and industry stability, and supervision responsibilities. So, even though, all things considered equal, it is not that hard to move up the risk scale and secure the best insurance on the market at very affordable rates.

I will try to list some of these mid-range occupations, as far as risk here. By no means is this a complete list, and you may be able to compare yourself with some of these occupations, to get a good idea of where you might fit off the top.

Remember, we can look at moving you into the best rate categories, so this is just a starting place.

Here are the occupations starting at a 3 or 4 level:

Accountants, not CA (4)
Adjusters, Insurance, other than fire and marine (4), others (3)
Advertising industry, executives, managers, and employees (4)
Air Conditioning Engineers, on-the-job inspections or superintendent (4); non engineer supervisors (3)
Appraisers, non-real estate (4), and real estate (3)
Architects, 20 or more hours per week at construction site (4)
Architects, Landscape, professional, office and consulting only (4), or on job supervising with no manual (3)
Artist, commercial (cartoon, illustrators, graphic) not freelance (4), others not insurable
Athletics, sports, and amusements, fitness centres, owners, managers, and supervisors (3)
Athletics, golf courses, curling, hockey, tennis or racquet clubs – owners and managers, office and supervisory duties only (3)
Horse Racing, starters, judges, officials (3)
Horse racing, pari-mutual clerk (3)
Horse riding school, owners, managers, supervisory only (3)
Auctioneer (3)
Audiologist (4)
Auditor w/o prof degree (4)
Auto Industry, dealerships, new and used, proprietor, office employees, sales (new), and repairs (3); (auto mechanics (2))
Aviation, aircraft dealer, manager, proprietor, and sales (3)
Airport personnel, clerk, (passenger, reservation, and ticket) , and weather observer(4)
Bakery, office and counter duties (3)
Banks, clerks, tellers, executives, officers, managers (4)
Biochemist, not Ph.D (4)
Booking agent, away from residence, and full-time (4)
Bookeeper (4)
Botanist w/o Ph.D (4)
Broker or buyer, merchandise, mortgage – office only (4)
Broker or buyer, cotton, grain, livestock, lumber (not working in woods), produce (3)
Building maintenance and service, property manager, office only, not living in building (4)
Building manager, superintendent not living in bldg, supervisor duties only (3)
Business machine sales and service, dealers and sales, no repairs (4), in-office operator (3), repair person (3)
Camera repair person (3)
Camera person, studio work (3)
Camps and Parks, year round, office duties only (3)
Cantor (3)
Carpet and rug, office and sales only (3)
Casino, manager, supervising duties only (4); dealers, pit boss (3)
Catering company, owner (4), supervisors (3), but if doing more than that (1)
Cemetaries and Crematories, office and sales only (4); non-office supervisory only (3)
Chemist, lab duties, no Ph.D (4)
Cleaner and dyer, clerk (counter duties) (3)
Cleaners, owners, counter and supervisors (3)
Clerk, office duties) (4)
Clockmaker or repairer (3)
Coal, clerk with office duties only (4); owners see Executives/Business owners (likely 4 or 5)
Collection agency, manager or supervisor (3)
Computer industry, other than analysts and programmers, incl. operators (4); servicemen, techs, other skilled (3)
Construction Industry, owners and consultants with $65,000 income, and no out of office (4); others lower rating (2 or 1)
Copywriter (4)
Courier Service, proprietor, manager with office duties only (see executives – likely 4 or 5), or dispatcher (3)
Court reporter (4)
Curator (4)
Custodian, public bldg, superintending not janitorial duties (3)
Customs broker (4)
Dairy and Creamery inspector (3);, owners likely 4 0r 5 (executives); superintendent (3)
Daycare away from residence and licensed, office only (4); others likely (2)
Daycare, teachers, ECE (3)
Decorator, interior, consulting only (4)
Dentistry, Lab worker (3); Denturist (4)
Diamond cutter, polisher, setter (3)
Dietitian , no cooking (4)
Dock worker, superintendent or wharfmaster (no manual) (3)
Dog Kennel, manager or supervisor (3)
Drafts person, office only (4)
Driving school, proprietor or manager, no repairing or instructing (3); instructors (2)
Drug store and pharmacy, store clerk, not stocking shelves (3); stocking (2)
Economist (4)
Editor, full time, away from residence (4)
Efficiency expert or engineer, office duties only (4)
Electrician (3)
Elevator, manager foremen, inspectors, supervisory duties only, not repairing (3)
Engineer, with field duties at at haxardous sites (mines/oil) (4); technical grads with office or consulting duties only (4); field and plant (3)
Engraver not monument (3), monument (2)
Entomologist (4)
Etcher (3)
Executives and business owners: (1) to (5) depending on income, risk and supervisory of classes
Expediter (3)
Express agent, office only (3)
Farmer/owner (3)
Fire Dept Chief (3)
Fishing, hatchery, superinintedent only (3)
Florist, store duties and no greenhouse (3)
Furniture store, manager or sales, no manual duties (3); office only (4)
Garbage collection plants, office only (3)
Geodetic surveyor (3)
Geologist with field duties (4)
Elevator managers, inpectors, foremen (no manual duties) (3)
Guide, museum or public building (3)
Harbour master (3)
Health Inspector (3)
Heating and air conditioning dealer or sales person (no manual) (3)
Home inspector (3)
Homeopath, other than M.D. (4)
Hospital – dietitian (no food prepare) (4); executive or managers (4); reflexologist (3); superintendent (4); lab, radiation, ultrasound, or x-ray technicians (3); speech therapists (4); kinesiologist, occupational and physiotherapists (all 3)
Hotel or Motel – cashiers, desk clerk, hostess, party arranger (3); manager, office or supervisory only (3)
Inspector – agriculture (3); aircraft (ground only) (3); automatic sprinkler (3); boiler (3) credit or mercantile agency (3); dairy (3); elevator (3) flour, food, meat, and produce (3)
Inspector – Immigration, custom official (3)
Inspector – livestock (3)
Inspector – plumbing (3); postal (3); scales (3); street or highway (3) Timepiece or precision instrument (4)
Insulation – sales not door to door, 2 yrs experience (3)
Interpreter (4)
Jewellery sales (3); watch or jewellery maker or repair, no machines (3), machine (2)
Kennel manager, office duties (3)
Kinesiologist (3)
Lab technician (3)
Landscape architect, professional , office and consulting only (4), on the job supervising, no manula (3)
Law enforcement – court reporter (4); figerprint expert (not making arrests) (3); marshall, sheriff, bailiff (office and court duties only) (3); penetentiary, prison, or reformatory, chaplain, superintendent or warden (3); parole or probation officer (3); title searcher (4); truant officer (3)
Lens Grinder, polisher or cutter (3)
Librarian (4)
Liquor industry inspector (3)
Lithographer (3)
Locksmith (3)
Lumber industry (possible 3 or 4) if contractor, or manager, not in woods (3), or forestry engineer, office and consulting (4); office or supervisory in mills
Manufacturing of non-toxic materials – designers, drafts people, or paymasters (4); foremen, inspectors, lab technicians, superintendents, timekeepers (3)
Manufacturing of toxic materials – lab technicians, inspectors, superintendents, timekeepers (3)
Marina – manager, full time, year round, office only (3)
Marine Industry – ship captains, chief officer and mates, stewards, pilots, engineers, pursers on passenger vessel (3); harbour master of dredge (3)
Massage therapist (3)
Master mechanic (not doing repairs) (3)
Metallurgist (4)
Meteorologist (4)
Meter reader or inspector (3)
Midwife (3)
Milk – evaporator person(3), and inspector or tester (3)
Mining – from 1 to 4, or not insurable
Minister (4)
Monument works, supervisor, no manual (3)
Mortgage broker (4)
Motion picture – acoustic engineer (3), camera repair (3), camera operator (3), chief engineer (3), costume or set designer (3); others range from UN to 4 (editor (4))
Motorcycle – dealer or sales, without demo (3)
Music – instrument maker, repairer, or tuner (3)
Naturopath or Homeopath, not M.D. (4)
Newspaper or magazine advertising or business solicitor (4); columnist, not freelance working at residence (4); editor (4); reporter (3); telephoto operator (3)
Notary other than Quebec (4); Quebec (5)
Nurse – R.N. other than in hospital (4); hospital R.N. (3)
Nursery clerk, counter only (3)
Occupational therapist (3)
Office clerk (4)
Oil or gas – inspector, engineer, or tester (3)
Optician earning less than $75,000 (4)
Orthotics manufacturer (3)
Packing house – broker, buyer, or sales (3)
Paralegal (4)
Parking lot – owner, manager, office duties (3)
Parks – superintendents, office duties only (4); ticket takers (30
Personnel recruiters (4)
Pharmacy technician or assistant (4)
Photo developer (3)
Photo engraver, artist (3)
Photogrammatist (4)
Photographer – other than aerial (3)
Physiotherapist (3)
Piano repairer or tuner (3)
Picture framer (3)
Pottery – ceramic engineer (4); superintendent (3)
Principal – school (4)
Printing & Publishing – lithographer, artist (4), engraver, pressman (3), proofreaders, strippers, (3), publishers, editors, managers, office employees (4), others possible (3)
Produce broker or buyer (3)
Proofreader (3)
Property Manager (office only, not residing in bldg) (4)
Prosthetics, maker and fitter (4)
Psychologist withouot Ph.D (4)
Publicity agent (4)
Purchasing agent (4)
Rabbi (4)
Radio and TV dealer and sales (3); announcer (4); camera operator (studio) (3);; recording studio engineer (3); production manager (4); projection machine operator (3); script writer (4)
Railroad – announcer, office employee, freight solicitor, tocket agent (4)
Real estate – commercial leasing manager, no sales (4); appraiser (3)
Receptionist , office only (4)
Reporter – court (4); newspaper (3)
Respiratory therapist (3)
Restaurant manager (office) (3); others with office only (3)
Retail sales 4 or 3, no stocking shelves
Auto parts sales – office and supervisory only (3)
Rubber stamp maker (3)
Safety Engineer, factory (3)
Sales, professional – generally 3 to 5
School principal (4)
Secretary (office) (4)
Securities industry, commodity/stock broker, not trading (4)
Sewing machine repair (3)
Sign industry – not erectors or painters (3)
Silversmith (3)
Speech pathologist (4)
Speech therapist (4)
Stenographer (4)
Surveyor, office only (4), field duties (3)
Taxi owner or supervisor with 7 full time employees (3) (no driving)
Teacher (4)
Telephone installer, repairperson, tester, inside work only (3)
Therapist – speech (4), others (3)
Tobacco auctioneer (3); buyer not in field (4); buyer in field (3); inspector (3)
Topographer, outside office (3)
Toxicologist (4)
Traffic manager, office and travelling duties only (4)
Translator (4)
Travel agent – not conducting tours (4), tours (3)
Typesetter – not press operator (3)
Ultrasound technician (3)
Undertaker – proprietor (3)
Urban planner (4)
Vending machine – office, minimum 5 employees ((3)
Vetrinarian – large animals (4); vet technician (3)
Violin maker or repairer (3)
Vocational therapist (3)
Warehouse – foreman, managers, and superintendents (3)
Watch repairers (3) or makers (3)
Water meter reader (3)
Water works superintendent, no manual (4); foremen (3), meter inspector (3), tester (3), reader (3)
Welfare worker, office only (4); out of office (3)
X-ray machine technician (3)
Zoo director (4)
Zoologist – less than 10% in field (4); more than 10% (3); superintendent (no manual) (3)