Guides & analysis

Articles

Long-form explainers and cost breakdowns, refreshed as rules change.

Occupation

Construction manager disability cover: class 3, $100–$180/month, own-occupation modified. Underwriting notes and what to ask for.

Risk class Class 3Typical premium $100–$180Own-occupation Modified

Occupation

Electrician disability cover: class 3, $90–$160/month, own-occupation often modified. Underwriting notes and what to ask for.

Risk class Class 3Typical premium $90–$160Own-occupation Often modified

Occupation

Carpenter disability cover: class 3, $95–$170/month, own-occupation often modified. Underwriting notes and what to ask for.

Risk class Class 3Typical premium $95–$170Own-occupation Often modified