How insurers classify common professions: risk class, typical premium and whether own-occupation coverage is realistically available.
Construction manager disability cover: class 3, $100–$180/month, own-occupation modified. Underwriting notes and what to ask for.
Physical therapist disability cover: class 4, $65–$120/month, own-occupation yes. Underwriting notes and what to ask for.
Chef disability cover: class 3, $90–$165/month, own-occupation often modified. Underwriting notes and what to ask for.
Real estate agent disability cover: class 3, $85–$150/month, own-occupation modified. Underwriting notes and what to ask for.
Teacher disability cover: class 4, $45–$85/month, own-occupation yes. Underwriting notes and what to ask for.
Truck driver disability cover: class 3, $110–$190/month, own-occupation rarely. Underwriting notes and what to ask for.
Carpenter disability cover: class 3, $95–$170/month, own-occupation often modified. Underwriting notes and what to ask for.
Electrician disability cover: class 3, $90–$160/month, own-occupation often modified. Underwriting notes and what to ask for.
Accountant disability cover: class 4, $60–$115/month, own-occupation yes. Underwriting notes and what to ask for.
Attorney disability cover: class 4, $70–$130/month, own-occupation yes. Underwriting notes and what to ask for.
