Underwriting – Overdelivering

Transcription

Underwriting – Overdelivering
Underwriting Guide
Issue date: April 2009
I N F O R M AT I O N F O R A D VI SER S
from 30 days
to 30 minutes
learn how with
Riskfirst
one efficient
adviser
Riskfirst – Aviva’s revolutionary online underwriting platform gives you complete flexibility. It’s like having an underwriter in
your office twenty four hours a day, seven days a week.
Unlike any other underwriting platform, Riskfirst proves to be a step ahead of the rest. With 90% of advisers completing
applications in Riskfirst in less than an hour, and 88% of cases aged 50 or less completed in Riskfirst on a personal
statement only, you can see why it all adds up to a better way to write risk.
To find out how you can go from 30 days to 30 minutes and take a guided
tour of Riskfirst, visit avivariskfirst.com.au or call us on 1300 656 235.
Riskfirst is subject to terms and conditions governing the usage of the Riskfirst underwriting platform issued by Norwich Union
Life Australia Limited (NULAL) ABN 34 006 783 295 AFSL 241686, 509 St Kilda Road, Melbourne VIC 3004. All rights reserved.
For the information of Financial Advisers only. NULAL does not authorise the distribution of this document to any other person
including clients of financial advisers.
Did you know?
For every Riskfirst application submitted, Aviva will donate $1* to Camp Quality – a non profit organisation
that is committed to bringing hope and happiness to every child living with cancer, their families and
communities through ongoing support programs. For more information visit campquality.org.au
* to a cap of $15,000
Contents
Section 1
Medical and financial requirements . ................................. 3
Section 2
Underwriting basics .......................................................... 7
Section 3
During assessment .......................................................... 13
Section 4
Modified terms and underwriting ................................... 15
Section 5
Pastime classifications ..................................................... 19
Section 6
Occupation classifications ............................................... 30
Section 7
Product summary – lump sum and income protection...... 55
Section 8
Contact us....................................................................... 60
1
Submission assistance
Talk to us to set expectations for
your client’s assessment
An Aviva underwriter is only a phone call or email away.
We’re happy to speak to you to assist in understanding
potential outcomes for your clients.
Discussions with an Aviva underwriter can
help to streamline your client’s application
and will enable you to:
■■
■■
explore alternative terms available such
clarify how we rate particular conditions,
sports and pastimes
provide quality information on proposals
and questionnaires in order to facilitate
speedier assessments
obtain additional details or clarification
at the time of completing the application
with your client
■■
■■
■■
assist in setting a realistic expectation
with your client
as a loading or exclusion
Contact us today (see page 61 for details)
Our team
We believe service should
come first.
1. We are commercial
2. We keep you informed of decisions
3. We are on your side
Aviva underwriting philosophy
Aviva’s Underwriting Team plays an
important role in the establishment and
maintenance of quality relationships
with advisers.
Our highest priority is the on-going provision
of quality service.
We have highly trained underwriters who
have excellent technical skills.
2 SECTION 1
Section 1
Medical and financial
requirements
Medical requirements
Protectionfirst medical limits
simpler, easier, better
Life, TPD and CIB
Life &/OR CIB up to $1M
< 45
46 to 50
51 to 55
56 to 60
>60
< 45
46 to 50
51 to 55
56 to 60
>60
< 45
46 to 50
51 to 55
56 to 60
>60
Up to $250,000
$250,001 – $500,000
$500,001 – $750,000
$750,001 – $1M
Life &/OR TPD >$1M
$1,000,001 – $1.5M
$1,500,001 – $2.5M
$2,500,001 – $3M
$3,000,001 – $5M
Over $5M
CIB > $1M
$1,000,001 – $1.5M
$1,500,001 – $2.5M
Income protection and Business Expenses protection
C/B2/B/A2/A (manual occ)
Up to age 50
Over age 50
AA/AAA/LP/MP (non manual)
Up to age 50
Over age 50
Up to $7,500
$7,501 – $10,000
$10,001 – $15,000
$15,000+
Important notes:
■■
■■
■■
Underwriting will take into account the total portfolio with Aviva when determining the medical requirements
For Business Protection Option (BPO), the medical requirements are based on three times initial cover plus existing Aviva cover
Maximum Sum Insured for Critical Illness is $2M from all sources
Requirements
Personal statement (PS)
PS, bloods* and RapidCheck
PS, bloods* and para exam
PS, bloods*, RapidCheck and PMAR
PS, bloods*, para exam and resting ECG
PS, bloods*, para exam, resting ECG and PMAR
PS, bloods*, para exam, resting ECG, PMAR, MSU,
FBE and PSA or breast exam
PS, bloods*, para exam, exercise and resting ECG,
PMAR, MSU, FBE and PSA or breast exam
* ‘bloods HIV, Hepatitis B and C, MBA20
jargon buster
ECG
electrocardiogram
FBE
full blood examination
MBAmultiple biochemical analysis blood test
including cholesterol and triglyceride
blood test
MSU
microurinalysis
PMAR personal medical attendant’s report
PSA
prostate-specific antigen test
Section 1 Medical and financial requirements 4
Financial requirements
Paper and online applications
Take a look at Aviva’s flexible and straightforward financial requirements.
Life, TPD and CIB
C/B2/B/A2/A
AA/AAA/LP/MP
Financial requirements – Personal Cover
Up to $1M
$1,000,001 – $2.5M
$2,500,001 – $3M
$3,000,001 – $5M
$5,000,001 – $6M
$6,000,001+
Financial requirements – Business Cover
Up to $1M
$1,000,001 – $2.5M
$2,500,001 – $3M
$3,000,001 – $5M
$5,000,001 – $6M
$6,000,001+
* The underwriter will cross check total sum insured from all sources opposed to income noted in the proposal. If it is outside
usual salary multiples, the underwriter will request clarification.
** If the purpose of the cover is Business Insurance, the underwriter may request further information before acceptance
Nil
Generally nil*
Statement of Advice (SOA)
Statement of Advice (SOA)**
SOA with supporting financial evidence (varies for self employed or employee)
Important notes:
■■
■■
If SOA needs to be provided, it must contain a detailed
analysis of the client’s:
–– financial position (assets, liabilities, income, dependents etc)
–– needs analysis
–– details of the policy recommended from the adviser and,
–– calculations for the sum insured
If the SOA does not contain the above mentioned
information, further evidence will be required
■■
■■
If financial evidence is required, the type of evidence
required will vary depending on the purpose of the
cover and the total industry portfolio will be taken into
consideration when determining financial requirements
BPO Sum Insured: If applying for BPO, a detailed
explanation/documentation is required to support how
the sum insured was calculated along with appropriate
supporting documentation such as company accounts,
company valuation, buy/sell agreement, evidence of income
and loan documentation.
What’s the maximum level of cover available for home duties?
No financial evidence required
$1M for Life, TPD and critical illness
Any sum insured above this will require an SOA to justify the recommendation and will be considered on an individual basis
What’s the maximum level of cover available for students and unemployed?
No financial evidence required
$500,000 for Life, TPD and critical illness
Any sum insured above this will require an SOA to justify the recommendation and will be considered on an individual basis
5 Section 1 Medical and financial requirements
Income Protection (agreed value)
C
B2/B
A2/A
AA
AAA
LP/MP
Up to $3,000
$3,001 – $5,000
$5,001 – $7,500
$7,501 – $10,000
$10,001 – $15,000
$15,001+
N/A
Generally nil
Evidence of income (EOI)
Important notes:
If EOI applies:
■■
■■
For income employee: proof of income by way of a
letter from an employer or payslips, copy of contract
(remuneration only) or tax returns
For income self-employed: proof of income by way of last
two years profit and loss reports and balance sheets for all
entities, tax returns and returns for non‑working spouses
■■
For
income partnership: profit and loss, balance sheets
for last two years (all entities), copy of business structure,
tax returns for past two years (all entities)
Income Replacement Ratio
75% of the 1st $320,000
50% of the balance
Subject to a maximum monthly benefit on $30,000
Business Expenses (BE)
C
No limits apply
B2/B
A2/A
AA
AAA
LP/MP
Generally nil
What’s the maximum level of cover available for home duties?
With a copy of the SOA
$1.5M for Life and TPD
$1M for Critical Illness
Without financial evidence
$1M for Life, TPD and Critical Illness
Did you know?
If you supply satisfactory evidence of income at time of underwriting, Aviva will endorse
your agreed value policy to confirm that no evidence of income will be required in the event
of a total disablement claim.
We have combined some occupations to make ratings easier. If you have a question about
a specific occupation, contact Aviva underwriting on 1300 1 AVIVA (1300 1 28482).
Section 1 Medical and financial requirements 6
Underwriting basics
SECTION 2
Section 2
Underwriting basics
Arranging medical evidence
let us do the work for you
This can be a time consuming and tedious
exercise. Our statistics show that medical
requirements top the list of reasons for delaying
completion of your client’s applications.
We can help!
Our application allows you to authorise us
to arrange your client’s requirements direct
with Lifescreen.
NB: We require the client’s authority in order
for Aviva to proceed with Lifescreen. Without
this authority, Aviva can not proceed and
therefore advisers will need to take it upon
themselves to arrange requirements.
Once we have authority, you will be informed
of the progress of the referral via email.
Fact
Once notified, Lifescreen fulfil referrals in
an average of seven working days.
Section 2 Underwriting basics 8
Underwriting basics
Faster completions with less follow up
we are doing the job and getting the results
Tele-underwriting
Aviva have established an in-house dedicated
tele-underwriting service* for you and your
client. Our underwriting support officers
have been trained to collect the necessary
information to finalise assessments and
minimise the need for further follow up by
you or your client’s doctor.
Fact
1. Our PMAR request rate has
decreased by 30% since this service
was introduced.
2. The number of assessments required
for each application has reduced.
3. The end to end completion time for
all clients has reduced.
In summary, letting us gather additional
information via tele-underwriting results
provides better outcomes for you and your
client. Simply tick ‘yes’ to the tele-underwriting
question on the application.
* This service is limited to gathering additional information only and we still require you to submit a completed application.
9 Section 2 Underwriting basics
Underwriting basics
An easy guide
to height and weight
Calculating BMI
Research has shown that being overweight
presents an increased risk of a number of
diseases such as a heart attack, stroke, diabetes
and hypertension (high blood pressure).
The Body Mass Index (BMI) is now widely
accepted as a way to measure body weight
in comparison to height. The BMI is easy
to calculate and can be applied regardless
of gender.
A BMI within the range of 20 to 25 is
considered healthy while greater than 25
is considered overweight. A BMI greater
than 30 is considered obese. BMI is calculated
by dividing the body weight in kilograms by
the square of the height in meters (kg / m2).
A quick example
Weight 90kg and Height 180cm
BMI = Weight/Height x Height
BMI = 90 / (1.8 x 1.8) = 28 BMI
We are now using the BMI as a simple way
to indicate when a mandatory medical
examination or RapidCheck (completed by
Medical Practitioner) will be required.
Our approach is described below:
Life only cover
BMI additional UW requirement
indicative loading
<17 examination by Medical
Practitioner
IC
18–31 nil
nil
32–35 generally nil
generally nil
50%
38–39 Medical exam* and MBA20
75%
40+ Medical exam and MBA20
IC
Income Protection, Business Expenses
Critical Illness, TPD
BMI additional UW requirement
indicative loading
<17 examination by Medical
Practitioner
IC
18–31 nil
nil
50%
35–36 Medical exam*
50–75%
37–38 Medical exam* and MBA20
100%
39+ Medical exam* and MBA20
IC
IC = individual consideration
* Medical examination can be done by Medical Practitioner or
paramedical provider.
Please Note
1.An underwriter may call for a medical
examination at lesser weights at their
discretion, taking into account all risk
factors or other co-morbidities that may
be present.
Common co-morbidities include diabetes,
hypertension and heart disease.
2.Ratings may be more lenient for older ages.
Using Aviva RapidCheck
RapidCheck
the Aviva check that takes a tick
Aviva’s RapidCheck measures height, weight, blood pressure,
pulse and checks urine via a dip stick test. It’s quick. It’s easy.
When can I use RapidCheck?
RapidCheck
The medical limits on page four show when
a RapidCheck can be used.
The medical that takes just a tick
Important note:
Take this form to your doctor
RapidCheck cannot be used in place of a medical exam.
I N F O R M AT I O N F O R A DV I S E R S
You must have this form completed by a medical practitioner.
At last - a quick way to get a medical test. Just fill in the form and send it
back to Aviva. We’ll then update your application. It’s really that simple...
Agency name
Agent number
Height and weight
Height
Contact number
Policy Number (if known)
Name of Life to be Insured
/
cms Waist
cms
Weight
kgs
Blood pressure reading
The Diastolic Level is to be taken at the cessation of all sound. If
the first Systolic reading is above 135 or below 100, or the Diastolic
above 85 or below 60, two further readings at five to 10 minute
intervals are required.
Client details
Date of birth
What to do
TO BE COMPLETED BY THE MEDICAL PRACTITIONER
To be taken without shoes whilst the client is clothed. If the client’s
weight is greater then the maximum weight of the scales, then
provide last known weight.
Adviser details
/
1st reading
Systolic
Diastolic
Pulse
Client declaration and privacy information
2nd reading
Systolic
Diastolic
Pulse
I understand and agree that this information together with the application
for insurance on my life, shall form the basis of the proposed contract.
3rd reading
Systolic
Diastolic
Pulse
By completing this form, you consent to any personal information we
may collect about you in the normal course of our business being used as
outlined in our Privacy Policy. Our policy, which is designed to protect your
interests and is consistent with the Privacy Act, can be obtained through our
website, aviva.com.au or by writing directly to us.
Urine analysis
Must be passed at the time of examination.
Signature of the
Life to be insured
Medical practitioner details
Date
/
Blood
Glucose
Protein
Bilirubin
Name
/
Address
Payment of fee
Postcode
Important note for medical practitioners: For prompt payment of
your fee it is important that you attach your invoice to this report.
Telephone
Send to
Signature of the
medical practitioner
Underwriting Department, Aviva Australia
GPO Box 2567W Melbourne Victoria 3001
Telephone 1300 4 28482 Fax 1800 625 549
Qualifications
Date
/
/
Medical practitioners: here are some instructions
This form should only be completed by a qualified medical practitioner. The information regarding your findings should not be given to any other
person. Exceptions may be made with the client’s consent, if in your opinion there is medical information which should be conveyed to his/her
medical attendant.
Our decision concerning the proposal for insurance will be based on a careful consideration of the medical evidence and other factors including
the type of insurance sought.
The medical practitioner is therefore requested not to express any opinion concerning the client’s insurability.
AV517F 03.09
For a faster medical, your client can
take this form to their own doctor.
Aviva’s RapidCheck form can be found on
the login adviser section of aviva.com.au
under ‘Life insurance/Applications and
forms/Underwriting forms’.
Alternatively, if you prefer to use a
paramedic service you can arrange a
RapidCheck (or equivalent) with the
paramedic service of your choice.
Norwich Union Life Australia Limited ABN 34 006 783 295, AFSL 241686
Level 6, 509 St Kilda Road Melbourne VIC 3004
Telephone Client Service on 1300 4 AVIVA (1300 4 28482)
Fax 03 9804 5239 or visit aviva.com.au
Issue date: April 2009
jargon buster
Lifescreen and Pathrec equivalents are Express Check
and Quick Check.
Alternatively, you can use a paramedical
provider’s equivalent. All other underwriting forms
can be found at the same web address.
11 Section 2 Underwriting basics
PMAR tracking
Track your clients’
medical reports online
Aviva engages the services of International
SOS (ISOS) to request, follow up and deliver
Personal Medical Attendant Reports (PMAR) to
Aviva’s underwriters. ISOS leverage their wide
medical network to achieve faster turnarounds
than a life office can achieve. ISOS return over
70% of PMAR’s within 10 working days and
over 90% within 20 working days.
Seven steps on what to do
Open
1. Open your internet browser and go to
www.soslifeservices.com.au
Go
2. Go to menu on the left hand side,
click on Register.
Enter
3. Enter your personal information in the
registration form.
Choose
4. Choose a password known only to
yourself that will be easy to remember.
Wait
5. You will receive an email within one
hour (during business hours) to confirm
your online access is active. Once you
receive your confirmation email, you are
ready to login.
Type
6. Type your email address and chosen
password to track the progress of your
PMAR case(s).
Check
7. Once you have registered, you can
login to the SOS Medicheck page
to track the progress of your clients’
medical reports online.
Section 3
SECTION 3
During assessment
During assessment
Stay in touch
during your client’s assessment
Keeping track of your client’s submission has never been easier.
We’re here to work with you every step of the way.
Track by email
Track online
What’s sent to you?
Simply log into the ‘adviser section’ of
aviva.com.au and click ‘client reporting’
to track any application from submission
to completion.
Weekly:
Summary of new applications including
basic details such as cover, policy type,
premiums and what we need from you to
keep the application on track, e.g. medical
report requests, questionnaires.
It also includes other important information
about your client’s application.
Daily:
■■ open requirements we have received on
pending applications
■■
warning on day 74 of pending applications
with open requirements
Click tip: account info
Click on ‘account info’ for up-to-date policy
information on new and existing clients.
Click tip: adviser reporting
Client and policy management has never
been so easy.
View a comprehensive list of reports on client
policy(s), including:
■■
■■
submissions outstanding report
summary action report (cover lapses,
renewals and premiums due)
Section 3 During assessment 14
Section 4
SECTION 4
Modified terms
Underwriting offers, loadings and exclusions
changing the terms of a life insurance policy
Applying loadings and exclusions are an alternative to the standard terms and conditions
of a contract. They are offered when the risk of certain events or conditions is too high to
allow cover under the normal policy terms, conditions or premiums.
Aviva attempts to offer cover to as many clients
as possible, but not everybody can be offered
standard terms or premium rates. From time
to time it is necessary for the underwriter to
offer altered terms in order to accept cover for
a client. This can be in the form of exclusions,
premium loadings or alterations.
We will make every effort to ensure that
your client receives a fair assessment. These
decisions will be based on sound principles and
in line with good industry practice.
Alterations to Benefit Waiting Periods
As an alternative to less favourable
premiums, loadings or exclusions on income
replacement policies, an increase in the
Waiting Period or a decrease in the Benefit
Period may enable your client to obtain
cover at standard premium rates.
Exclusions
An exclusion can be defined as a condition
imposed on a policy for which we will not
pay a claim.
Generally, exclusions tend to be unpopular with
clients. An exclusion leaves a recognised gap
in their protection, perhaps for a condition for
which the client initially wanted insurance.
However, without the use of exclusions, many
clients with pre-existing conditions would have
to pay unreasonably high premiums or have
applications declined. Apart from the exclusion,
the client’s insurance will include all normal
policy conditions.
Any insurance alternatives must be assessed
against the client’s needs, with all risks or
gaps fully explained by their adviser.
This usually depends on the condition of
the client and clarification should be sought
from the underwriters.
Section 4 Modified terms 16
Premium loadings
In many cases an exclusion is not appropriate,
for example, where the insured is outside
the normal weight limits. What in fact could
be excluded?
Carrying extra weight is unhealthy, increasing
the risk of heart attack, stroke, diabetes, gout,
high cholesterol and it generally affects lifestyle.
The only real option in this case is to apply
a premium loading on top of the standard
premium to cover the additional risk.
A loading can come in two forms:
1. As an additional premium
(expressed as a percentage)
2. As an extra dollar amount for every
$1,000 Insured (expressed as ‘per mille’).
17 Section 4 Modified terms
Example
Emma is offered a Life Insurance policy for
$100,000 with a $3.00 per mille loading.
Emma’s premium loading is calculated by
multiplying an extra premium of $3.00 for
every $1,000 Sum Insured. This is in addition
to the standard premium rate.
Modified underwriting
Bring your existing client’s
insurance policy to Aviva
We make it simpler and will consider
simplified, modified underwriting
terms for insurance policies up to the
following limits:
Lump Sum
Product
Maximum sum insured
Term Life
$3,000,000
Total and Permanent
Disablement
$2,000,000
Trauma Insurance
$1,000,000
Income Protection
Product
Maximum sum insured
Income Protection
$10,000
Business Expenses
$20,000
Limitations
■■
■■
Limitations
benefits applied for are the same as, or
less than, those being replaced
contract, including features and benefits
■■
fully underwritten in the last 61 months
by current carrier of the risk
the policy being replaced was accepted
at standard rates
■■
the policy being replaced must have been
■■
the policy being replaced must have been
fully underwritten in the last 37 months
by current carrier of the risk
the policy being replaced is a ‘like for like’
■■
the policy being replaced is a ‘like for like’
contract, including features and benefits
■■
■■
benefits applied for are the same as, or
less than, those being replaced
the Life Insured’s age next birthday does
not exceed 50 years
■■
must have or be applying for Life cover
with Aviva
the policy being replaced was accepted
■■
■■
at standard rates
What to do
the Life Insured’s age next birthday does
Speak to your Aviva Business Development
Manager to find out what to do today.
not exceed 55 years
Important note for modified underwriting applications
■■
Aviva Underwriting, while receptive to applications using short form modified underwriting
terms, does not guarantee automatic acceptance.
Section 4 Modified terms 18
Section 5
SECTION 5
Pastimes classifications
OR Ordinary rates
Please Note
Excl Exclusion applies
N/A Uninsurable (benefit is unavailable)
Where TPD/IP = DECLINE
and CIB = OR or Loading:
$
$ extra per $1,000 of insurance
Aviva will allow an
ADL based TPD or a
DLB based IP benefit.
$/ExclClient has a choice of either a loading or exclusion for this activity
1.5
Loading multiple of standard rates below $/Excl
IC
Individual consideration
ACTIVITY
A
Life
TPD
CIB
IP/BE
EXCL
EXCL
EXCL
EXCL
AVIATION
AEROPLANE OR HELICOPTER
STUDENT
PRIVATE (NOT STUDENT):
UP TO 100 HOURS P.A.
OR
OR
OR
OR
OVER 100 HOURS P.A.
$2.00 / EXCL
EXCL
EXCL
EXCL
INSTRUCTOR:
UP TO 100 HOURS P.A.
OR
DECLINE
OR
DECLINE
OVER 100 HOURS P.A.
$2.00 / EXCL
DECLINE
EXCL
DECLINE
HANG GLIDING / ULTRA LIGHT / MICROLIGHT:
< 50 HOURS P.A.
$3.00/EXCL
EXCL
EXCL
EXCL
> 50 HOURS P.A.
$5.00/EXCL
EXCL
EXCL
EXCL
GLIDING / SAILPLANES:
NON-POWERED
0 – 100 LAUNCHES P.A.
OR
OR
OR
OR
> 100 LAUNCHES P.A.
$2.00 / EXCL
EXCL
EXCL
EXCL
IC
DECLINE
POWERED: RATE AS PRIVATE AVIATION
Military: AVIATION
DUE TO DIVERSE NATURE OF THIS ACTIVITY
REFER ALL CASES TO UNDERWRITING AND
USE MANUAL RATING.
B
IC
BALLOONING
< 50 HOURS FLYING P.A.
OR
OR
OR
OR
> 50 HOURS FLYING P.A.
$1.00 / EXCL
EXCL
EXCL
EXCL
BOXING
AMATEUR
OR
EXCL
EXCL
EXCL
PROFESSIONAL
$2.00/EXCL
DECLINE
DECLINE
DECLINE
BUNGEE JUMPING
JUMPS P.A. < 10
OR
EXCL
EXCL
EXCL
JUMPS P.A. > 10
$2.00 / EXCL
EXCL
EXCL
EXCL
JUMP MASTER (PROFESSIONAL)
$5.00/EXCL
EXCL
EXCL
EXCL
JUMP MASTER (NON-PROFESSIONAL)
$5.00 / EXCL
DECLINE
EXCL
DECLINE
Section 5 Pastimes classifications 20
ACTIVITY
C
Life
TPD
CIB
IP/BE
CAVING
NON-DIVING:
< 25 P.A.
OR
EXCL
OR
EXCL
OTHERWISE
$2.00/EXCL
EXCL
1.5
EXCL
$5.00/EXCL
EXCL
EXCL
EXCL
DIVING
CYCLING / BMX / TRIATHALON / ROAD CYCLING
BMX / TRIATHLON / ROAD CYCLING:
AMATEUR
OR
OR
OR
OR
PROFESSIONAL
OR
DECLINE
OR
DECLINE
CANYONING
RECREATIONAL:
< 5 X P.A.
OR
OR
OR
OR
> 5 X P.A.
$2.00 / EXCL
EXCL
EXCL
EXCL
$2.00 / EXCL
DECLINE
EXCL
DECLINE
GUIDE
CRICKET
D
AMATEUR
OR
OR
OR
OR
PROFESSIONAL
OR
DECLINE
OR
DECLINE
DIVING
AMATEUR / SPORTS:
SCUBA – LAKES, RIVERS, COASTAL WATERS
QUALIFIED, NEVER ALONE
< 40 M.
OR
OR
OR
OR
> 40 M.
$2.00/EXCL
EXCL
EXCL
EXCL
NO QUALIFICATIONS
$5.00/EXCL
EXCL
EXCL
EXCL
$5.00/EXCL
Excl
Excl
Excl
DECLINE
DECLINE
DECLINE
DECLINE
OR
OR
OR
OR
JOCKEYS, FLAT RACING ONLY, TROTTING
DRIVER
OR
DECLINE
OR
DECLINE
OR
DECLINE
1.5
DECLINE
SCUBA – CAVES/POTHOLES/
SINKHOLES/WRECKS
Professional / Commercial (ANY FORM):
REFER ALL CASES TO UNDERWRITING AND
USE MANUAL RATING.
E
EQUESTRIAN EVENTS
AMATEUR
PROFESSIONAL:
JOCKEYS, STEEPLE CHASE
21 Section 5 Pastimes classifications
f–m
ACTIVITY
Life
TPD
CIB
IP/BE
F
OR
OR
OR
OR
OR
OR
OR
OR
OR
DECLINE
OR
DECLINE
FENCING
FOOTBALL
TOUCH FOOTBALL AND SUPER RULES
AUSTRALIAN RULES, RUGBY UNION,
RUGBY LEAGUE, SOCCER:
PROFESSIONAL
AMATEUR: 14 DAY WAIT
OCCUPATION CLASS AAA / AA / A / LP / MP
OR
OR
OR
OPTION 1*
OCCUPATION CLASS B / C / A2 / B2
OR
OR
OR
OPTION 2**
OR
OCCUPATION CLASS AAA / AA / A / LP / MP
OR
OR
OR
OCCUPATION CLASS B / C / A2 / B2
OR
OR
OR
OPTION 2**
OR
OR
OR
OR
H
AMATEUR: 30 AND 60–DAY WAIT
AMATEUR: 90–DAY WAITING PERIOD
HOCKEY (ICE ):
AMATEUR
OR
EXCL
OR
EXCL
PROFESSIONAL
OR
DECLINE
OR
DECLINE
HOCKEY (FIELD):
AMATEUR
OR
OR
OR
OR
PROFESSIONAL
OR
DECLINE
OR
DECLINE
HUNTING
AUSTRALIA AND NZ ONLY (NO AVIATION):
K
AMATEUR
OR
OR
OR
OR
PROFESSIONAL
OR
DECLINE
OR
DECLINE
OVERSEAS OR AVIATION
DECLINE
DECLINE
DECLINE
DECLINE
OR
OR
OR
OR
KAYAKING / CANOEING
KICK BOXING:
AMATEUR
OR
EXCL
OR
EXCL
PROFESSIONAL
OR
DECLINE
DECLINE
DECLINE
OR
OR
OR
OR
L
LACROSSE
M
MARTIAL ARTS
JUDO / JUJITSU / KARATE / HAKIDO / TAI KWON DO
AMATEUR, NO EXHIBITIONS
OR
OR
OR
OR
AMATEUR, EXHIBITIONS
OR
OR
OR
EXCL
PROFESSIONAL INSTRUCTOR
OR
IC
OR
IC
OR
OR
OR
OR
TAI CHI / AIDO
* Option 1: 30-day wait for this activity or a 25% loading
** Option 2: 90-day wait for this activity or a 25% loading
ACTIVITY
Life
TPD
CIB
IP/BE
OR
DECLINE
OR
DECLINE
MOTOR / POWER BOAT
WATER SKIING:
PROFESSIONAL
AMATEUR:
COMPETITIVE
OR
EXCL
OR
EXCL
RECREATIONAL
OR
OR
OR
OR
OR
OR
OR
OR
RECREATIONAL BOATING / FISHING
SPORTS BOAT RACING:
PROFESSIONAL:
CIRCUIT (MONOHULL)
$2.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA 1
$5.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA 2
$3.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA 3
$2.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA 4
$2.00/EXCL
DECLINE
EXCL
DECLINE
JET SPRINT
$2.00/EXCL
DECLINE
EXCL
DECLINE
OFFSHORE (ALL CLASSES)
$2.00/EXCL
DECLINE
EXCL
DECLINE
AMATEUR:
CIRCUIT (MONOHULL)
$2.00/EXCL
EXCL
EXCL
EXCL
FORMULA 1
$5.00/EXCL
EXCL
EXCL
EXCL
FORMULA 2
$3.00/EXCL
EXCL
EXCL
EXCL
FORMULA 3
$2.00/EXCL
EXCL
EXCL
EXCL
FORMULA 4
$2.00/EXCL
EXCL
EXCL
EXCL
JET SPRINT
$2.00/EXCL
EXCL
EXCL
EXCL
OFFSHORE (ALL CLASSES)
$2.00/EXCL
EXCL
EXCL
EXCL
DECLINE
DECLINE
DECLINE
DECLINE
RECORD ATTEMPTS / OTHER
MOTOR/MOTOR CYCLE RACING PROFESSIONAL:
RACING CARS:
FORMULA 4000
$10.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA 2 / 3
$15.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA LIBRE
$15.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA FORD
$5.00/EXCL
DECLINE
EXCL
DECLINE
FORMULA V
$5.00/EXCL
DECLINE
EXCL
DECLINE
SPORTS CARS:
GROUP 2A – SPORTS CARS
$3.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2B – MARQUE SPORTS CARS
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2C – CLUBMAN SPORTS GROUP
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2D – SPORTS SEDANS
$7.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2E – NATIONS CUP
$3.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2F – PRODUCTION SPORTS CARS
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 2L – AUST. PORSCHE CUP
$3.50/EXCL
DECLINE
EXCL
DECLINE
AUSCAR / NASCAR
$10.00/EXCL
DECLINE
EXCL
DECLINE
m
ACTIVITY
Life
TPD
CIB
IP/BE
MOTOR/MOTOR CYCLE RACING PROFESSIONAL
(CONT.)
PRODUCTION CARS:
GROUP 3A – V8 SUPER CARS
$5.00/EXCL
DECLINE
EXCL
DECLINE
GROUP 3B – SUPER TOURING CARS
$3.50/EXCL
DECLINE
EXCL
DECLINE
$3.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 3E – SERIES PRODUCTION
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 3G – FORMER GROUP C
$7.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 3H – HQ HOLDEN
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 3J – IMPROVED PRODUCTION
$3.50/EXCL
DECLINE
EXCL
DECLINE
GROUP 3K – SALOON CAR
$2.50/EXCL
DECLINE
EXCL
DECLINE
ROAD REGISTERED CARS
$2.50/EXCL
DECLINE
EXCL
DECLINE
HISTORIC CARS:
GROUP J – VINTAGE PRE 1931
OR
DECLINE
OR
DECLINE
GROUP K – POST VINTAGE 1931–40
OR
DECLINE
OR
DECLINE
GROUP L – H
ISTORIC RACING AND
SPORTS CARS
DECLINE
EXCL
DECLINE
GROUP M – P OST HISTORIC RACING / SPORTS 1961–65
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP N – HISTORIC TOURING CARS
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP O – H
ISTORIC TOURING AND SPORTS
RACING 1966–69
$2.50/EXCL
DECLINE
EXCL
GROUP P – FORMULA 5000 (PRE 1978)
$15.00/EXCL
DECLINE
EXCL
DECLINE
GROUP Q – H
ISTORIC TOURING
AND SPORTS RACING 1970–77
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP R – H
ISTORIC TOURING AND
SPORTS RACING
$2.50/EXCL
DECLINE
EXCL
DECLINE
GROUP S – P RODUCTION SPORTS
CARS 1941–77
$2.50/EXCL
DECLINE
EXCL
DECLINE
DRAGSTERS, MODIFIED PRODUCTION,
STOCK CARS AND HOT RODS
$5.00/EXCL
DECLINE
EXCL
DECLINE
OR
DECLINE
OR
DECLINE
DRAG RACING:
STREET CARS
KARTS:
ENDURO
$5.00/EXCL
DECLINE
EXCL
DECLINE
SPRINT
OR
DECLINE
OR
DECLINE
ACTIVITY
Life
TPD
CIB
IP/BE
MOTOR/MOTOR CYCLE RACING PROFESSIONAL
(CONT.)
SPEEDWAY RACING:
MIDGET
$5.00/EXCL
DECLINE
EXCL
DECLINE
SPRINT
$5.00/EXCL
DECLINE
EXCL
DECLINE
SUPER MODIFIED
$5.00/EXCL
DECLINE
EXCL
DECLINE
SUPER STOCK SEDANS
$5.00/EXCL
DECLINE
EXCL
DECLINE
PRODUCTION SALOONS
$5.00/EXCL
DECLINE
EXCL
DECLINE
DEMOLITION
$5.00/EXCL
DECLINE
EXCL
DECLINE
$2.50/EXCL
DECLINE
EXCL
DECLINE
$5.00/EXCL
DECLINE
EXCL
DECLINE
OTHER:
PROFESSIONAL HILL CLIMBS AND
GYMKHANAS
RALLYCROSS, AUTOCROSS, RALLIES
(CAMS SPONSORED)
MOTOR CYCLE RACING:
INTERNATIONAL EVENTS
$20.00/EXCL
DECLINE
EXCL
DECLINE
CIRCUIT RACING
$5.00/EXCL
DECLINE
EXCL
DECLINE
SCRAMBLES AND HILL CLIMBS AND TRIALS
OR
DECLINE
OR
DECLINE
SPEEDWAY
$7.50/EXCL
DECLINE
EXCL
DECLINE
CROSS COUNTRY
OR
DECLINE
OR
DECLINE
MOTOCROSS
OR
DECLINE
EXCL
DECLINE
ENDURO
OR
DECLINE
OR
DECLINE
IC
IC
IC
IC
OTHER:
MOTOR/MOTOR CYCLE RACING AMATEUR:
RACING CARS:
FORMULA 4000
$10.00/EXCL
EXCL
EXCL
EXCL
FORMULA 2 / 3
$15.00/EXCL
EXCL
EXCL
EXCL
FORMULA LIBRE
$15.00/EXCL
EXCL
EXCL
EXCL
FORMULA FORD
$5.00/EXCL
EXCL
EXCL
EXCL
FORMULA V
$5.00/EXCL
EXCL
EXCL
EXCL
m
ACTIVITY
Life
TPD
CIB
IP/BE
MOTOR/MOTOR CYCLE RACING AMATEUR
(CONT.)
SPORTS CARS:
GROUP 2A – SPORTS CARS
$3.50/EXCL
EXCL
EXCL
EXCL
GROUP 2B – MARQUE SPORTS CARS
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP 2C – CLUBMAN SPORTS GROUP
$2.50/EXCL
EXCL
EXCL
EXCL
$7.50/EXCL
EXCL
EXCL
EXCL
GROUP 2E – NATIONS CUP
$3.50/EXCL
EXCL
EXCL
EXCL
GROUP 2F – PRODUCTION SPORTS CARS
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP 2L – AUST. PORSCHE CUP
$3.50/EXCL
EXCL
EXCL
EXCL
AUSCAR / NASCAR
$10.00/EXCL
EXCL
EXCL
EXCL
PRODUCTION CARS:
GROUP 3A – V8 SUPER CARS
$5.00/EXCL
EXCL
EXCL
EXCL
GROUP 3B – SUPER TOURING CARS
$3.50/EXCL
EXCL
EXCL
EXCL
$3.50/EXCL
EXCL
EXCL
EXCL
GROUP 3E – SERIES PRODUCTION
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP 3G – FORMER GROUP C
$7.50/EXCL
EXCL
EXCL
EXCL
GROUP 3H – HQ HOLDEN
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP 3J – IMPROVED PRODUCTION
$3.50/EXCL
EXCL
EXCL
EXCL
GROUP 3K – SALOON CAR
$2.50/EXCL
EXCL
EXCL
EXCL
ROAD REGISTERED CARS
$2.50/EXCL
EXCL
EXCL
EXCL
HISTORIC CARS:
GROUP J – VINTAGE PRE 1931
OR
OR
OR
OR
GROUP K – POST VINTAGE 1931–40
OR
OR
OR
OR
GROUP L – H
ISTORIC RACING AND
SPORTS CARS
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP M – P OST HISTORIC RACING / SPORTS
1961–65
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP N – HISTORIC TOURING CARS
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP O – H
ISTORIC TOURING AND
SPORTS RACING 1966–69
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP P – FORMULA 5000 (PRE 1978)
$15.00/EXCL
EXCL
EXCL
EXCL
GROUP Q – H
ISTORIC TOURING
AND SPORTS RACING 1970–77
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP R – H
ISTORIC TOURING AND SPORTS
RACING
$2.50/EXCL
EXCL
EXCL
EXCL
GROUP S – P RODUCTION SPORTS
CARS 1941–77
$2.50/EXCL
EXCL
EXCL
EXCL
ACTIVITY
Life
TPD
CIB
IP/BE
MOTOR / MOTOR CYCLE RACING AMATEUR
(CONT.)
DRAG RACING:
DRAGSTERS, MODIFIED PRODUCTION
STOCK CARS AND HOT RODS
$5.00/EXCL
EXCL
EXCL
EXCL
STREET CARS
OR
OR
OR
OR
KARTS:
ENDURO
$5.00/EXCL
EXCL
EXCL
EXCL
SPRINT
OR
OR
OR
OR
SPEEDWAY RACING:
MIDGET
$5.00/EXCL
EXCL
EXCL
EXCL
SPRINT
$5.00/EXCL
EXCL
EXCL
EXCL
SUPER MODIFIED
$5.00/EXCL
EXCL
EXCL
EXCL
SUPER STOCK SEDANS
$5.00/EXCL
EXCL
EXCL
EXCL
PRODUCTION SALOONS
$5.00/EXCL
EXCL
EXCL
EXCL
DEMOLITION
$5.00/EXCL
EXCL
EXCL
EXCL
OTHER:
SOCIAL RALLIES, AMATEUR HILL CLIMBS
OR
OR
OR
OR
AMATEUR GYMKHANAS / TIME TRIALS
OR
OR
OR
OR
$2.50/EXCL
EXCL
EXCL
EXCL
RALLYCROSS, AUTOCROSS, RALLIES
(CAMS SPONSORED)
MOTOR CYCLE NO RACING
REGISTERED ROAD – NO RACING / CIRCUIT
OR
OR
OR
OR
DIRT / TRAIL NON COMPETITIVE
OR
OR
OR
OR
MOTOR CYCLE RACING:
INTERNATIONAL EVENTS
$20.00/EXCL
EXCL
EXCL
EXCL
CIRCUIT RACING
$5.00/EXCL
EXCL
EXCL
EXCL
SCRAMBLES AND HILL CLIMBS AND TRIALS
OR
EXCL
OR
EXCL
SPEEDWAY
$7.50/EXCL
EXCL
EXCL
EXCL
CROSS COUNTRY
OR
OR
OR
OR
MOTOCROSS
OR
EXCL
EXCL
EXCL
ENDURO
OR
EXCL
OR
EXCL
IC
IC
IC
IC
OTHER
m–r
ACTIVITY
Life
TPD
CIB
IP/BE
PROFESSIONAL AUSTRALIA / NEW ZEALAND
EXCL
DECLINE
EXCL
DECLINE
PROFESSIONAL OTHER
IC
DECLINE
IC
DECLINE
$1.00/EXCL
EXCL
1.5
EXCL
MOUNTAINEERING
AMATEUR:
AUSTRALIA / NEW ZEALAND
OVERSEAS:
< 4000 M.
$2.00/EXCL
EXCL
EXCL
EXCL
4000–7000 M.
$5.00/EXCL
EXCL
EXCL
EXCL
ABSEILING
OR
EXCL
OR
EXCL
OVERSEAS
IC
IC
IC
IC
OR
OR
OR
OR
ROCK CLIMBING
INDOOR
OUTDOOR (AUSTRALIA / NEW ZEALAND
ONLY)
MAX. GRADE 13
OR
EXCL
OR
EXCL
> GRADE 13
$1.00/EXCL
EXCL
EXCL
EXCL
OUTDOOR (OVERSEAS)
IC
IC
IC
IC
MOUNTAINEERING (CONT.)
TREKKING
OR
OR
OR
OR
OVERSEAS
IC
IC
IC
IC
OR
OR
OR
OR
N
NETBALL
P
PARACHUTING/SKY DIVING
CLUB / COMPETITION:
<75 JUMPS P.A.
OR
EXCL
OR
EXCL
75–125 JUMPS P.A.
$2.00/EXCL
EXCL
EXCL
EXCL
126–250 JUMPS P.A.
$3.00/EXCL
EXCL
EXCL
EXCL
> 250 JUMPS P.A.
$4.00/EXCL
EXCL
EXCL
EXCL
SKY SURFING / DEMONSTRATION
$5.00/EXCL
EXCL
EXCL
EXCL
BASE JUMPING:
EXCL
EXCL
EXCL
EXCL
PARA SKIING
$5.00/EXCL
EXCL
EXCL
EXCL
EXCL
PARA GLIDING:
R
QUALIFIED
OR
EXCL
OR
OTHER
EXCL
EXCL
EXCL
EXCL
PARA SAILING
OR
OR
OR
OR
RODEO
OR
EXCL
EXCL
EXCL
Pastimes classifications ACTIVITY
S
s–z
Life
TPD
CIB
IP/BE
OR
OR
OR
OR
SAILING / YACHTING
INSHORE / LAKES
OCEAN:
SHORT DISTANCE, CLOSE TO SHORE
OR
OR
OR
OR
LONG DISTANCE, CLOSE TO SHORE AND
< 2 CREW
$2.00/EXCL
EXCL
EXCL
EXCL
LONG DISTANCE, CLOSE TO SHORE
> 2 CREW
OR
OR
OR
OR
TRANSOCEAN:
SOLO
$10.00/EXCL
DECLINE
EXCL
DECLINE
2 CREW
$5.00/EXCL
EXCL
EXCL
EXCL
3–9 CREW
$2.00/EXCL
EXCL
EXCL
EXCL
> 10 CREW
OR
EXCL
OR
EXCL
SKIING
AMATEUR / RECREATIONAL
OR
OR
OR
OR
AMATEUR /COMPETITION
OR
EXCL
OR
EXCL
PROFESSIONAL /COMPETITION
OR
DECLINE
OR
DECLINE
V
WATER:
SNOW:
AMATEUR / RECREATIONAL
OR
OR
OR
OR
AMATEUR /COMPETITION
OR
EXCL
OR
EXCL
PROFESSIONAL /COMPETITION
OR
DECLINE
OR
DECLINE
VOLUNTEER EMERGENCY AND DEFENCE
SES / CFA / FIREFIGHTER / LIFESAVING / LIFEGUARD
OR
OR
OR
OR
ARMY / NAVY / AIR FORCE / DEFENCE RESERVIST
DECLINE
DECLINE
DECLINE
DECLINE
REFER ALL CASES TO UNDERWRITING / USE
MANUAL RATING
W WRESTLING
Z
AMATEUR ONLY
OR
EXCL
OR
EXCL
PROFESSIONAL
OR
DECLINE
OR
DECLINE
ZORBING
< 10 X P.A.
OR
EXCL
OR
EXCL
OTHER
$1.00/EXCL
EXCL
OR
EXCL
Section 6
SECTION 6
Occupation
classifications
Occupation classifications
A guide
to our occupation classes
AAA White collar workers
A2
White collar occupations who are tertiary qualified
and earning over $100,000 per annum.
MP
Medical professionals
Specifically nominated medical professionals such as
GPs, dentists and surgeons.
LP
B
Legal professionals
Clerical
B2
Skilled occupations
Skilled occupations which may involve occasional
light manual duties and no unusual hazards.
Selected skilled workers
Selected skilled heavy manual workers and some
other specified occupations.
Occupations of a sedentary/clerical nature with no
unusual hazards.
A
Skilled manual
Skilled manual workers who must possess a trade
certificate. Certain shop proprietors are also included
in this category.
Specifically nominated legal professionals such as
Lawyers and Barristers.
AA
Specified skilled workers
Skilled occupations which involve light manual
duties and no unusual hazards. This group may
also include specified qualified self-employed
trades persons who have been self-employed for
five or more years in their current occupation.
C
Heavy manual workers
Heavy manual workers and others with unusual risk.
This group require skills but not necessarily qualified.
For Income Protection, C class occupations are
subject to restrictions of a 30 day waiting period,
two year benefit period, Excell cover only and
indemnity with a maximum of $3,000 benefit.
Our restrictions: at a glance
1
Maximum $5000 monthly benefit applies to these occupations subject to satisfactory
financials. In all cases, you must provide a profit and loss and balance sheet for the last two years.
The balance sheet must demonstrate a positive position for cover to be considered.
2
Maximum $5000 monthly benefit applies plus five year benefit period and minimum 30 day
waiting (Excell only).
3
A2 rates apply where a trade certificate and five years experience is held (excluding
apprenticeships). Great for certain occupations.
4
TPD benefit is available under Activities of Daily Living definition and IP restricted to Income
– Daily Living at CIB rating. This applies to applicants who were previously ineligible for TPD cover.
5
Home duties definition applies to TPD and IP restricted to Income – Daily Living at CIB rating.
Section 6 Occupation classifications 31
1
Maximum $5000 monthly benefit applies to these occupations subject to satisfactory financials
2
Maximum $5000 monthly benefit applies plus five year benefit period and 30 day waiting (Excell only)
3
A2 rates apply where a trade certificate and five years experience is held (excluding apprenticeships).
4
TPD benefit is available under Activities of Daily Living definition and IP restricted to Income - Daily Living at CIB rate.
5
Home duties definition applies to TPD and IP restricted to Income - Daily Living at CIB rate.
Note
4
4
4
4
2
Occupation
OR Ordinary rates
NA Uninsurable (benefit is unavailable)
$
1.5 Loading multiple of standard rates
IC
Life
TPD
CIB
IP
ABALONE DIVER (PROFESSIONAL)
$2
NA
NA
NA
BE
NA
ACCOUNTANT (OTHER)
OR
AA
OR
AA
AA
ACCOUNTANT (QUALIFIED)
OR
AAA
OR
AAA
AAA
ACCOUNTS CLERK, BOOKKEEPER
OR
AA
OR
AA
AA
ACTOR/ACTRESS
OR
NA
OR
NA
NA
ACTUARY
OR
AAA
OR
AAA
AAA
ACUPUNCTURIST (QUALIFIED AND
REGISTERED IN AUSTRALIA)
OR
AAA
OR
AAA
AAA
ADULT BOOKS OR GOODS RETAILER
OR
NA
OR
NA
NA
ADVERTISING (OFFICE ONLY)
OR
AA
OR
AA
AA
ADVERTISING, AGENT
OR
AA
OR
AA
AA
ADVERTISING, EXECUTIVE
OR
AAA
OR
AAA
AAA
AERIAL ANTENNA ERECTORS (OVER 10 METRES)
$2
NA
1.5
NA
NA
AERIAL ANTENNA ERECTORS (UNDER 10 METRES)
OR
C
OR
C
C
AGED CARE WORKER
OR
IC
OR
IC
NA
AGRONOMIST
OR
A
OR
A
A
AIR TRAFFIC CONTROLLERS
OR
NA
OR
NA
NA
AIRCONDITIONING ENGINEER (NO MANUAL)
OR
AA
OR
AA
AA
AIRCONDITIONING TECHNICIAN (NO MANUAL)
OR
A
OR
A
A
AIRCONDITIONING TECHNICIAN / INSTALLER (MANUAL)
OR
B
OR
B
B
AIRCRAFT / AIRPORT REFUELLER
OR
B2
OR
B2
NA
3
AIRCRAFT MECHANIC
OR
B
OR
B
B
2
AIRLINE, TRUCK DRIVER
OR
B2
OR
B2
NA
AIRPORT OFFICE WORKER, TICKET SALES CHECK IN STAFF
OR
AA
OR
AA
NA
AIRPORT PORTERS/BAGGAGE HANDLERS
OR
C
OR
C
NA
NA
4
AMUSEMENT PARLOUR CENTRE – EMPLOYEE
OR
NA
OR
NA
AMUSEMENT PARLOUR CENTRE PROPRIETOR
OR
B
OR
B
NA
ANAESTHETIC TECHNICIAN
OR
AA
OR
AA
AA
ANAESTHETIST
OR
MP
OR
MP
MP
ANTIQUE DEALER (INCLUDING DELIVERIES)
OR
C
OR
C
NA
ANTIQUE DEALER (INCLUDING RESTORATION)
OR
B
OR
B
B
ANTIQUE DEALER (SALES ONLY)
OR
A
OR
A
NA
APIARIST, BEEKEEPER
OR
B2
OR
B2
B2
APPRENTICE (FINAL YEAR ONLY) RATE FOR TRADE
OR
IC
OR
IC
NA
NA
APPRENTICE (OTHER THAN FINAL YEAR ONLY)
OR
NA
OR
NA
AQUARIUM SHOP
OR
A2
OR
A2
NA
ARCHAEOLOGIST (NO FIELD WORK)
OR
AAA
OR
AAA
AAA
ARCHAEOLOGIST (WITH FIELD WORK)
OR
B2
OR
B2
B2
ARCHITECTS (>30% SITE INSPECTION)
OR
AA
OR
AA
AA
ARCHITECTS (QUALIFIED OFFICE ONLY)
OR
AAA
OR
AAA
AAA
32 Section 6 Occupation classifications
a–b
Note
Occupation
ARCHITECTURAL DRAFTSMAN
4
4
Life
TPD
CIB
IP
BE
OR
AA
OR
AA
AA
ARTIST SUPPLIES
OR
A
OR
A
NA
ARTIST, GRAPHIC ARTIST, DESIGNER
OR
AA
OR
AA
AA
ARTISTS, OTHER
OR
NA
OR
NA
NA
ASPHALT LAYER
OR
C
OR
C
NA
ASSEMBLY LINE WORKER
OR
NA
OR
NA
NA
ASTRONOMER
OR
AAA
OR
AAA
AAA
AUCTIONEER, LIVESTOCK BUYER, DEALER
OR
A
OR
A
A
AUCTIONEERS AND REGISTERED VALUERS
OR
AA
OR
AA
AA
AUDIOLOGIST, AUDIOMETRIST
OR
AA
OR
AA
AA
AUDITOR (TERTIARY QUALIFIED)
OR
AAA
OR
AAA
AAA
AUDITOR (NOT QUALIFIED)
OR
AA
OR
AA
AA
4
AUTHOR
OR
NA
OR
NA
NA
3
AUTO ELECTRICIAN
OR
B
OR
B
B
BACTERIOLOGIST
OR
AAA
OR
AAA
AAA
4
4
2
4
4
BAKERY (DELIVERIES)
OR
B
OR
B
B
BAKERY (SALES ONLY)
OR
A
OR
A
NA
BAKERY, BAKER
OR
A2
OR
A2
NA
BAKERY, SUPERVISOR
OR
A
OR
A
NA
BANKS, BUILDING SOCIETY, CREDIT UNION CLERKS
CASHIERS AND TELLERS
OR
AA
OR
AA
AA
BANKS, BUILDING SOCIETY, CREDIT UNION, MANAGER
OR
AAA
OR
AAA
AAA
BARGEMAN DREDGER
OR
NA
OR
NA
NA
BARRISTER, LAWYER, LEGAL PRACTITIONER
OR
LP
OR
LP
LP
BATTERY FITTER
OR
C
OR
C
NA
BATTERY MANUFACTURE (OTHERS)
OR
NA
OR
NA
NA
BATTERY MANUFACTURE (SUPERVISOR)
OR
B
OR
B
NA
BEAUTICIAN MANICURIST (NOT WORKING FROM HOME)
OR
A
OR
A
A
BEAUTICIAN, MANICURIST (WORKING FROM HOME),
QUALIFIED AND MINIMUM TWO YEARS EXPERIENCE
OR
B
OR
B
NA
BEDDING (DELIVERIES)
OR
NA
OR
NA
NA
BEDDING (SALES ONLY)
OR
A
OR
A
NA
BICYCLE SALES AND REPAIRS
OR
B
OR
B
NA
BILL POSTERS
OR
NA
OR
NA
NA
BIOCHEMIST
OR
AAA
OR
AAA
AAA
BIOLOGIST (NO FIELD WORK)
OR
AAA
OR
AAA
AAA
BIOLOGIST, MARINE, FIELD WORK (DIVING )
$2
NA
NA
NA
NA
BIOLOGIST, MARINE, FIELD WORK (NO DIVING )
OR
A
OR
A
A
1
2
3
4
5
Note
4
4
4
2
OR Ordinary rates
$
IC
Occupation
Life
TPD
CIB
IP
BE
BLACKSMITH
OR
B2
OR
B2
B2
BLIND, AWNING, SCREEN – SUPERVISING/QUOTING,
(NO MANUAL)
OR
A
OR
A
A
BLIND, AWNING, SCREEN INSTALLER
OR
B2
OR
B2
B2
BOAT BUILDER
OR
B2
OR
B2
B2
BOAT EQUIPMENT SUPPLY/ CHANDLER ADMINISTRATION
OR
AA
OR
AA
NA
BOAT EQUIPMENT SUPPLY/ CHANDLER, SALES ONLY
OR
A
OR
A
NA
BOAT. EQUIPMENT SUPPLY/ OTHERS (OTHER THAN SALES
OR ADMIN)
OR
B
OR
B
NA
BOBCAT, BACKHOE, BULLDOZER, HEAVY EQUIPMENT,
EARTH MOVING CONTRACTOR (EMPLOYEE)
OR
NA
OR
NA
NA
BOBCAT, BACKHOE, BULLDOZER, HEAVY EQUIPMENT,
EARTH MOVING CONTRACTOR (OWNER/OPERATOR)
OR
C
OR
C
C
BOOK STORE AND STATIONERY
OR
A
OR
A
NA
BOOKKEEPER
OR
AA
OR
AA
AA
NA
BOOKMAKERS
OR
NA
OR
NA
BOOTMAKER /SHOE MAKER QUALIFIED
OR
B
OR
B
B
BOTANIST
OR
AAA
OR
AAA
AAA
BOTTLE SHOP SALES, DRIVEWAY ATTENDANT
OR
B
OR
B
NA
BOUNCER, SECURITY, CROWD CONTROLLER
OR
NA
OR
NA
NA
BRASSWARE RETAILER SALES
OR
A
OR
A
NA
BREAD, CAKES (SALES ONLY)
OR
A
OR
A
NA
AA
BREWING INDUSTRY, CHEMIST
OR
AA
OR
AA
BREWING INDUSTRY, SUPERVISOR (NO MANUAL)
OR
A2
OR
A2
A2
BREWING INDUSTRY, WORKER
OR
C
OR
C
NA
BRICKLAYER BRICKPAVER PAVER OTHER (NOT QUALIFIED
OR QUALIFIED WITH <5 YEARS IN OCCUPATION)
OR
C
OR
C
NA
BRICKLAYER BRICKPAVER PAVER SELF EMPLOYED
(QUALIFIED AND OVER 5 YEARS IN OCCUPATION)
OR
B2
OR
B2
B2
3
BUILDER, LICENSED
OR
B
OR
B
B
4
BUILDERS LABOURER
OR
NA
OR
NA
NA
NA
3
2
BUILDING, FOREMAN, SUPERVISOR (>10% MANUAL)
OR
B
OR
B
BUILDING, FOREMAN, SUPERVISOR (<10% MANUAL)
OR
A2
OR
A2
NA
BUS/COACH DRIVER (LONG DISTANCE)
OR
B2
OR
B2
NA
BUS/COACH DRIVER (LOCAL/METRO)
OR
B
OR
B
NA
BUSINESS CONSULTANTS ANALYST (OTHER THAN
QUALIFIED, OFFICE ONLY)
OR
AA
OR
AA
AA
BUSINESS CONSULTANTS ANALYST (QUALIFIED)
OR
AAA
OR
AAA
AAA
BUTLER
OR
B
OR
B
NA
BUYER RETAIL STORE (OFFICE ONLY)
OR
AA
OR
AA
AA
BUYER RETAIL STORE (OTHER THAN OFFICE ONLY)
OR
A2
OR
A2
A2
c
Note
3
4
2
4
Life
TPD
CIB
IP
CABINET MAKERS
Occupation
OR
B
OR
B
BE
B
CABLE MAKER, WIRE MAKER
OR
B2
OR
B2
NA
CAFE, COFFEE LOUNGE/SHOP, EMPLOYEES
(PERMANENT FULL-TIME)
OR
B
OR
B
NA
CAFE, COFFEE LOUNGE/SHOP, PROPRIETOR
OR
A2
OR
A2
NA
CAMERA PERSON, CAMERAMAN (ON LOCATION NO
SPECIAL HAZARDS, AUSTRALIA ONLY)
OR
B
OR
B
B
NA
CAMERA PERSON, CAMERAMAN, AERIAL
OR
NA
OR
NA
CAMERA PERSON, CAMERAMAN, STUDIO
OR
A
OR
A
A
CAR DETAILER (MINIMUM TWO YEARS EXPERIENCE)
OR
B2
OR
B2
B2
CAR WASHER
OR
NA
OR
NA
NA
CARAVAN PARK OWNER
OR
C
OR
C
NA
CARETAKERS HANDYMAN (NOT RESIDING ON PREMISES)
OR
C
OR
C
C
4
CARETAKERS HANDYMAN (RESIDING ON PREMISES)
OR
NA
OR
NA
NA
3
CARPENTER/JOINER
OR
B
OR
B
B
CARPET, FLOOR COVERING (SALES ONLY)
OR
A
OR
A
NA
2
CARPET, LINO/LINOLEUM LAYER
OR
C
OR
C
C
CASHIER, SHOP SUPERMARKET CASINO
OR
A
OR
A
NA
CASINO (GOVERNMENT LICENSED), CROUPIER
OR
A
OR
A
NA
(MINIMUM TWO YEARS EXPERIENCE)
4
2
4
CASINO (GOVERNMENT LICENSED), CROUPIER (OTHER)
OR
NA
OR
NA
NA
CASINO (GOVERNMENT LICENSED), MANAGERIAL,
CLERICAL
OR
AA
OR
AA
NA
CATERER
OR
B
OR
B
NA
CATTERY OPERATOR
OR
B
OR
B
B
CEMENT CONCRETE TRUCK DRIVER
OR
B2
OR
B2
NA
NA
CEMENT MANUFACTURER
OR
C
OR
C
CHAUFFER (> TWO YEARS EXPERIENCE)
OR
A2
OR
A2
NA
CHAUFFER (LESS THAN TWO YEARS EXPERIENCE)
OR
C
OR
C
NA
CHEF, COOK, PASTRY COOK (QUALIFIED)
OR
A2
OR
A2
NA
CHEMIST / PHARMACIST RETAIL
OR
AAA
OR
AAA
AAA
CHEMISTS, INDUSTRIAL
OR
AAA
OR
AAA
AAA
CHICKEN / POULTRY (OWNER/MANAGER)
OR
A2
OR
A2
NA
CHILD CARE WORKER (NOT REGISTERED OR
WORKING FROM HOME)
OR
NA
OR
NA
NA
CHILD CARE WORKER (QUALIFIED, REGISTERED),
NOT WORKING FROM HOME
OR
A
OR
A
A
CHINA AND GLASSWARE SALES
OR
A
OR
A
NA
CHIROPODIST, PODIATRIST
OR
AAA
OR
AAA
AAA
CHIROPRACTOR
OR
AAA
OR
AAA
AAA
1
2
3
4
5
OR Ordinary rates
$
IC
Note
Occupation
Life
TPD
CIB
IP
4
CIRCUS HAND
OR
NA
OR
NA
BE
NA
4
CIRCUS PROPRIETOR/MANAGER
OR
NA
OR
NA
NA
CLAIMS, LOSS ADJUSTER (NOT PRIVATE INVESTIGATOR)
OR
AA
OR
AA
AA
CLEANER CARPET, (< TWO YEARS EXPERIENCE AND
SELF-EMPLOYED)
OR
C
OR
C
C
2
CLEANER CARPET, (> TWO YEARS EXPERIENCE AND
SELF-EMPLOYED)
OR
B2
OR
B2
B2
4
CLEANER, BRICK ( < TWO YEARS IN OCCUPATION AND
SELF-EMPLOYED)
OR
NA
OR
NA
NA
CLEANER, BRICK ( > TWO YEARS IN OCCUPATION AND
SELF-EMPLOYED)
OR
C
OR
C
C
CLEANER, OFFICE, FACTORY, SCHOOL, STORE , JANITOR
(CONTRACT ONLY, MINIMUM TWO YEARS EXPERIENCE)
OR
B2
OR
B2
NA
2
4
CLEANER, WINDOW (OVER FIVE METRES)
OR
NA
OR
NA
NA
2
CLEANER, WINDOW TO FIVE METRES
OR
B2
OR
B2
NA
4
4
CLERKS, OFFICE WORKER, CLERICAL
OR
AA
OR
AA
NA
CLOTHING FASHION INDUSTRY, DRESSMAKER, TAILOR
(EST. AT LEAST TWO YEARS, NOT WORKING AT HOME)
OR
A2
OR
A2
A2
CLOTHING FASHION INDUSTRY, FASHION DESIGNER
(OTHER)
OR
NA
OR
NA
NA
CLOTHING FASHION INDUSTRY, FASHION DESIGNER
EMPLOYEE + MINIMUM TWO YEARS EXPERIENCE
OR
A
OR
A
NA
NA
CLOTHING FASHION INDUSTRY, MODELS
OR
NA
OR
NA
CLOTHING FASHION INDUSTRY, PATTERN MAKER
OR
B
OR
B
B
4
CLOTHING FASHION INDUSTRY, PROCESS WORKER,
MACHINIST
OR
NA
OR
NA
NA
CLOTHING FASHION INDUSTRY, SALES PERSON
OR
A
OR
A
A
4
CLOTHING FASHION INDUSTRY, TAILOR, DRESSMAKER
(WORKING FROM HOME OR NOT EST. TWO YEARS)
OR
NA
OR
NA
NA
CLOTHING STORE (SALES)
OR
A
OR
A
NA
4
CLOWN
OR
NA
OR
NA
NA
2
COACH INSTRUCTOR (QUALIFIED, MINIMUM TWO YEARS
EXPERIENCE & NOT INVOLVED IN PROFESSIONAL SPORTS)
OR
B2
OR
B2
NA
COMMERCIAL ARTIST, SELF-EMPLOYED (EST. AT LEAST
TWO YEARS, NOT WORKING AT HOME)
OR
A
OR
A
A2
4
4
COMMERCIAL ARTISTS (OTHER)
OR
NA
OR
NA
NA
COMMODITY BROKER / AGENT
OR
AA
OR
AA
AA
COMPANY SECRETARY (DEGREE QUALIFIED)
OR
AAA
OR
AAA
NA
COMPANY SECRETARY (OTHER)
OR
AA
OR
AA
NA
COMPOSER
OR
NA
OR
NA
NA
c–d
Note
2
4
Life
TPD
CIB
IP
BE
COMPUTER CONSULTANT, PROGRAMMERS, ANALYSTS
(NOT QUALIFIED)
Occupation
OR
AA
OR
AA
AA
COMPUTER CONSULTANT, PROGRAMMERS, ANALYSTS
(QUALIFIED)
OR
AAA
OR
AAA
AAA
COMPUTER KEYBOARD DATA ENTRY OPERATOR
OR
AA
OR
AA
NA
COMPUTER SALES
OR
AA
OR
AA
AA
COMPUTER SUPPLIES SALES
OR
A
OR
A
NA
COMPUTER SYSTEMS OPERATOR
OR
AA
OR
AA
AA
COMPUTER TECHNICIAN
OR
A2
OR
A2
A2
CONCRETE CONTRACTOR (CONCRETER)
OR
C
OR
C
C
CONFECTIONERY (SALES ONLY)
OR
A
OR
A
NA
CONTRACT HARVESTER
OR
C
OR
C
NA
COOK, CHEF (NOT QUALIFIED)
OR
B2
OR
B2
NA
CORONER
OR
AAA
OR
AAA
AAA
COURIER CAR / VAN ONLY (< TWO YEARS EXPERIENCE)
OR
C
OR
C
C
COURIER POSTAL CAR / VAN ONLY
OR
B2
OR
B2
B2
COURIER, POSTAL (MOTORCYCLE OR BICYCLE)
OR
NA
OR
NA
NA
CRANE OPERATOR
OR
C
OR
C
NA
NA
CURATOR, ART GALLERY, LIBRARY, MUSEUM
OR
AA
OR
AA
CURATOR, GROUNDSMEN, GREENKEEPER
OR
B2
OR
B2
B2
CURTAIN / BLINDS (SALES ONLY)
OR
A
OR
A
NA
CURTAIN INSTALLER
OR
B2
OR
B2
B2
CUSTOMER SERVICE OFFICER/CSO
OR
AA
OR
AA
NA
CUSTOMS AGENT, CLERICAL ONLY
OR
AA
OR
AA
AA
CUSTOMS AGENT, OTHER THAN CLERICAL
OR
A
OR
A
A
CUSTOMS OFFICER (FIELD WORK)
OR
A
OR
A
NA
NA
CUSTOMS OFFICER (NO FIELD WORK)
OR
AA
OR
AA
DAIRY INDUSTRY (SUPERVISOR)
OR
B
OR
B
NA
4
DAIRY INDUSTRY, PROCESS WORKERS
OR
NA
OR
NA
NA
2
DANCE INSTRUCTOR (QUALIFIED AND ESTABLISHED,
AT LEAST TWO YEARS)
OR
B2
OR
B2
NA
4
4
2
DANCER
OR
NA
OR
NA
NA
DEBT COLLECTOR (OFFICE ONLY)
OR
AA
OR
AA
NA
DEBT COLLECTOR (OTHER)
OR
NA
OR
NA
NA
DECORATOR (DESIGN AND CONSULTING ONLY)
OR
AA
OR
AA
AA
DECORATOR (INTERIOR ONLY), NOT QUALIFIED
OR
B2
OR
B2
B2
DECORATOR (INTERIOR ONLY), QUALIFIED
OR
A2
OR
A2
A2
1
2
3
4
5
Note
4
4
4
4
3
4
4
4
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
BE
DEFENCE FORCE (CONTRACTORS –
RATE FOR OCCUPATION)
IC
IC
IC
IC
IC
DEFENCE FORCE, ARMY, NAVY, AIR FORCE,
RAAF, PILOTS, NAVIGATORS, SEAMAN, SOLDIER, DIVER
(PERMANENT AND RESERVIST MEMBERS) NOTE: CONTACT
UNDERWRITING FOR RATING AND INPUT INDIVIDUAL
RATES MANUALLY VIA UNLISTED OCCUPATION BUTTON.
IC
IC
IC
IC
IC
DELICATESSEN (EMPLOYEE)
OR
B
OR
B
NA
DELICATESSEN, MANAGER, PROPRIETOR
OR
A2
OR
A2
NA
DEMOLITION SUPERVISOR (EXPLOSIVES)
$2
NA
1.5
NA
NA
DEMOLITION SUPERVISOR (NO EXPLOSIVES)
OR
B
OR
B
NA
DEMOLITION WORKER (EXPLOSIVES)
$2
NA
1.5
NA
NA
DEMOLITION WORKER (NO EXPLOSIVES)
OR
C
OR
C
NA
DENTAL NURSE
OR
AA
OR
AA
NA
DENTAL TECHNICIAN
OR
AA
OR
AA
AA
MP
DENTISTS, DENTAL SURGEON
OR
MP
OR
MP
DEPARTMENT STORE, DELIVERIES
OR
NA
OR
NA
NA
DEPARTMENT STORE, MANAGER AND CLERICAL ONLY
OR
AA
OR
AA
NA
DEPARTMENT STORE, SALES (NO LIFTING)
OR
A
OR
A
NA
DEPARTMENT STORE, STORE PERSON
OR
B2
OR
B2
NA
DERMATOLOGIST
OR
MP
OR
MP
MP
DETECTIVES, PRIVATE
OR
NA
OR
NA
NA
DIEMAKER
OR
B
OR
B
B
DIESEL MECHANIC
OR
B
OR
B
B
DIETICIAN
OR
AA
OR
AA
AA
DISC JOCKEY
OR
NA
OR
NA
NA
DISPOSAL STORE
OR
B
OR
B
NA
DIVER – EMERGENCY, POLICE, SEARCH AND RESCUE
$2
NA
1.5
NA
NA
DIVER – PROFESSIONAL (COMMERCIAL AND
PROFESSIONAL) NOTE: CONTACT UNDERWRITING FOR
RATING AND INPUT INDIVIDUAL RATES MANUALLY VIA
UNLISTED OCCUPATION BUTTON
IC
IC
IC
IC
IC
DOCK WORKERS
OR
NA
OR
NA
NA
DOCTORS, MEDICAL PRACTITIONERS, PHYSICIANS
OR
MP
OR
MP
MP
4
DOG ANIMAL GREYHOUND TRAINER
OR
NA
OR
NA
NA
4
DOG BREEDER
OR
NA
OR
NA
NA
DOG/CAT KENNEL OPERATOR
OR
B
OR
B
B
4
DOGMAN
OR
NA
OR
NA
NA
DOG PET GROOMER/WASHER
OR
C
OR
C
C
d–e
Note
Life
TPD
CIB
IP
BE
DRAINAGE CONTRACTOR, DOMESTIC (QUALIFIED
PLUMBER)
Occupation
OR
B2
OR
B2
B2
DRAINAGE CONTRACTOR, GAS PIPE LAYER
(NO QUALIFICATION)
OR
C
OR
C
C
DRAPER
OR
A2
OR
A2
NA
DRAUGHTSMAN, DRAUGHTSPERSON, DRAFTSMAN,
DRAFTSPERSON
OR
AA
OR
AA
AA
4
DRIVER, ARMOURED CAR
OR
NA
OR
NA
NA
2
DRIVER, BREAD
OR
B2
OR
B2
NA
NA
2
4
3
4
4
DRIVER, SOFT DRINK DELIVERER
OR
B2
OR
B2
DRIVING INSTRUCTOR (EST. TWO YEARS)
OR
B
OR
B
B
DRY CLEANER
OR
B
OR
B
NA
DRY CLEANING INDUSTRY, OTHER
(MORE THAN 10% MANUAL)
OR
B2
OR
B2
NA
DRY CLEANING INDUSTRY/ MANAGER/ OWNER/
SUPERVISOR (UP TO 10% MANUAL)
OR
A2
OR
A2
NA
DUTY FREE
OR
A
OR
A
NA
ECONOMIST
OR
AAA
OR
AAA
AAA
ELECTRIC GATE, GARAGE DOOR INSTALLER
OR
C
OR
C
C
ELECTRICAL GOODS (SALES ONLY)
OR
A
OR
A
NA
ELECTRICAL INDUSTRY, LINESMAN (< FIVE METRES)
OR
C
OR
C
C
ELECTRICAL INDUSTRY, LINESMAN (> FIVE METRES)
$2
NA
1.5
NA
NA
ELECTRICIAN (DOMESTIC)
OR
B
OR
B
B
ELECTRICIAN, INDUSTRIAL (HIGH VOLTAGE)
OR
C
OR
C
C
ELECTRONICS TECHNICIAN
OR
A
OR
A
A
ELECTROPLATER, ENAMELLER
OR
B2
OR
B2
B2
ELEVATOR / LIFT MECHANIC, INSTALLER
OR
B2
OR
B2
B2
EMERGENCY SERVICES, MEDIVAC, AIR RETRIEVAL
HELICOPTERS, FLYING DOCTORS
$2
NA
1.5
NA
NA
EMPLOYMENT AGENT, PERSONNEL CONSULTANT
OR
AA
OR
AA
AA
ENDOCRINOLOGIST
OR
MP
OR
MP
MP
ENGINEERS, (OVER 10% MANUAL WORK)
OR
B
OR
B
B
ENGINEERS, (UP TO 10% MANUAL WORK)
OR
A
OR
A
A
AA
ENGINEERS (SITE INSPECTION ONLY)
OR
AA
OR
AA
ENGINEERS, AERONAUTICAL / AVIATION (QUALIFIED)
OR
A2
OR
A2
A2
ENGINEERS, TECH. QUALIFIED (ADMINISTRATION ONLY)
OR
AA
OR
AA
AA
ENGINEERS, UNI. QUALIFIED (ADMINISTRATION ONLY)
OR
AAA
OR
AAA
AAA
ENGRAVERS
OR
A
OR
A
A
ENT SURGEON
OR
MP
OR
MP
MP
ENTERTAINERS AND SINGERS
OR
NA
OR
NA
NA
EXPORT, IMPORT (CLERICAL ONLY)
OR
AA
OR
AA
AA
1
2
3
4
5
Note
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
BE
2
EXTERMINATORS, FUMIGATORS, PEST CONTROLLERS
(TRADE QUALIFIED ONLY)
OR
B2
OR
B2
NA
4
EXTERMINATORS, FUMIGATORS, PEST CONTROLLERS,
OTHER
OR
NA
OR
NA
NA
4
FACTORY WORKER
OR
NA
OR
NA
NA
4
FARM HAND / STATION HAND / WORKER /
LABOURER / STOCKMAN / DROVER / CONTRACTOR /
JACKEROO / JILLEROO
OR
NA
OR
NA
NA
1
4
FARMER, (OWNER/MANAGER)
OR
A2
OR
A2
NA
FARRIER
OR
B2
OR
B2
NA
FAST FOOD, TAKEAWAY FOOD, FISH AND CHIP,
PIZZA PROPRIETOR
OR
B
OR
B
NA
FAST FOOD, TAKEAWAY FOOD, FISH AND CHIP,
PIZZA EMPLOYEES (FULL-TIME ONLY)
OR
B2
OR
B2
NA
NA
FENCING CONTRACTOR (EMPLOYEE)
OR
NA
OR
NA
FENCING CONTRACTOR (SELF-EMPLOYED)
OR
C
OR
C
C
FIBREGLASS MOULDER, SURFBOARD SHAPER
OR
B2
OR
B2
B2
FINANCIAL ADVISER / AGENT
OR
AAA
OR
AAA
AAA
FIRE FIGHTERS, FIREMAN, FIREPERSON, SES, CFA,
COASTGUARD, SEARCH AND RESCUE
(VOLUNTEERS ONLY) – RATE FOR OCCUPATION
IC
IC
IC
IC
IC
4
FIRECHIEF (NO MANUAL)
OR
NA
OR
NA
NA
4
FIREFIGHTERS, METRO AND COUNTRY (FULL-TIME )
OR
NA
OR
NA
NA
4
FISHERMAN, DECKHAND OR OTHER DUTIES
(NOT RETURNING HOME DAILY)
$2
NA
OR
NA
NA
FISHERMAN, DECKHAND OR OTHER DUTIES
(RETURNING HOME DAILY)
OR
NA
OR
NA
NA
4
FISHERMAN (OWNER, OPERATOR)
(NOT RETURNING HOME DAILY)
$2
NA
OR
NA
NA
2
FISHERMAN (OWNER, OPERATOR)
(RETURNING HOME DAILY)
OR
B2
OR
B2
NA
NA
2
4
FISHMONGER (EMPLOYEE)
OR
B2
OR
B2
FISHMONGER (PROPRIETOR)
OR
B
OR
B
NA
FITNESS CENTRE GYMNASIUM, SPORTS/FITNESS CENTRE,
INSTRUCTOR (MINIMUM TWO YEARS EXPERIENCE)
OR
B2
OR
B2
NA
FITNESS CENTRE GYMNASIUM, SPORTS/FITNESS CENTRE,
(OWNER, OPERATOR)
OR
A2
OR
A2
NA
FITTER AND TURNER, LATHE OPERATOR
(QUALIFIED OR > FIVE YEARS IN OCCUPATION)
OR
B
OR
B
B
FITTER AND TURNER, LATHE OPERATOR (UNQUALIFIED
AND < FIVE YEARS IN OCCUPATION)
OR
C
OR
C
C
FLIGHT ATTENDANT (REGULAR COMMERCIAL FLIGHTS)
OR
NA
OR
NA
NA
f–g
Note
4
4
Life
TPD
CIB
IP
BE
FLOOR SANDER / SURFACER (<TWO YEARS EXPERIENCE)
Occupation
OR
NA
OR
NA
NA
FLOOR SANDER / SURFACER
OR
B2
OR
B2
B2
FLORIST (SALES ONLY)
OR
A
OR
A
NA
FLORIST, DELIVERIES
OR
B2
OR
B2
NA
AA
FOOD TECHNOLOGIST
OR
AA
OR
AA
FOREST RANGER (NOT QUALIFIED)
OR
NA
OR
NA
NA
FOREST RANGER (QUALIFIED)
OR
C
OR
C
NA
2
FORKLIFT DRIVER (NOT ON DOCKS)
OR
B2
OR
B2
NA
4
FORKLIFT DRIVER (ON DOCKS)
OR
NA
OR
NA
NA
NA
4
1
4
4
FOUNDRY WORKER
OR
NA
OR
NA
FRENCH POLISHER
OR
B
OR
B
B
FRUIT GROWER, ORCHARDIST
OR
A2
OR
A2
NA
NA
FRUIT PACKER, PICKER
OR
NA
OR
NA
FRUIT WHOLESALER
OR
B
OR
B
NA
FUNERAL, DIRECTOR, UNDERTAKER
OR
AA
OR
AA
NA
FUNERAL, DRIVER, PALLBEARER
OR
B2
OR
B2
NA
FUNERAL, EMBALMER
OR
A2
OR
A2
NA
FURNITURE / ANTIQUES RESTORER
OR
B
OR
B
B
FURNITURE / ANTIQUES RETAILER (SALES ONLY)
OR
A
OR
A
NA
FURNITURE ANTIQUE RETAILER (DELIVERIES)
OR
B2
OR
B2
NA
GARBAGE COLLECTOR / STREET CLEANER – DRIVER ONLY
(SELF-EMPLOYED)
OR
B2
OR
B2
NA
GARBAGE COLLECTOR / STREET CLEANER –
(MANUAL DUTIES OR EMPLOYEE)
OR
NA
OR
NA
NA
GARDENER (QUALIFIED, TWO YEARS MINIMUM
OR
B2
OR
B2
NA
EXPERIENCE)
GASTROENTEROLOGIST
OR
MP
OR
MP
MP
GENERAL PHYSICIAN
OR
MP
OR
MP
MP
GENERAL STORE
OR
B
OR
B
NA
GENERAL SURGEON
OR
MP
OR
MP
MP
GEOLOGIST (FIELD WORK – NO EXPLOSIVES OR
UNDERGROUND)
OR
A
OR
A
A
GEOLOGIST (FIELD WORK – EXPLOSIVES OR
UNDERGROUND)
$5
NA
NA
NA
NA
GEOLOGIST (OCCASIONAL FIELD WORK)
OR
AA
OR
AA
AA
GEOLOGIST (OFFICE ONLY)
OR
AAA
OR
AAA
AAA
NA
GIFT SHOP
OR
A
OR
A
GLASSBLOWER
OR
B
OR
B
B
GLAZIER
OR
B
OR
B
B
1
2
3
4
5
Note
4
4
5
4
2
4
5
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
GOLDSMITH, SILVERSMITH
OR
A
OR
A
BE
A
GOLF PROFESSIONAL (OTHER)
OR
NA
OR
NA
NA
GOLF PROFESSIONAL COACH (NOT TOURING, QUALIFIED,
MINIMUM TWO YEARS EXPERIENCE)
OR
B2
OR
B2
NA
GOLF SHOP
OR
A
OR
A
NA
GREENGROCER, GROCER, FRUITER
OR
B
OR
B
NA
GUNSMITH
OR
A2
OR
A2
NA
GYNAECOLOGIST AND OBSTETRICIAN
OR
MP
OR
MP
MP
HABERDASHER
OR
A
OR
A
NA
HAIRDRESSER, BARBER
OR
A2
OR
A2
A2
HANDYMAN
OR
C
OR
C
C
HARBOUR PILOTS AND FERRY MASTER (HARBOUR ONLY)
OR
NA
OR
NA
NA
HEALTH FOOD RETAILER / SALES
OR
A
OR
A
NA
HEALTH INSPECTOR
OR
AA
OR
AA
AA
HIRE CAR OWNER / DRIVER
OR
A2
OR
A2
NA
HOBBY FARMER SMALLHOLDING (<30 ACRES)
RATE FOR OTHER OCCUPATION
IC
IC
IC
IC
IC
HOME DUTIES, HOUSEWIFE, HOMEMAKER
OR
A
OR
NA
NA
HOMEOPATH (QUALIFIED)
OR
AA
OR
AA
AA
A
HORSE / EQUINE DENTISTS
OR
A
OR
A
HORSE / EQUINE THERAPIST, MASSEUR, CHIROPRACTOR
OR
B
OR
B
B
HORSE RIDING INSTRUCTORS AND HORSE TRAINERS (NOT
RACING INDUSTRY, HORSE BREAKERS OR WHERE DUTIES
INCLUDE HORSE BREAKING)
OR
C
OR
C
NA
NA
HORSE BREAKER
OR
NA
OR
NA
HORSE BREEDER
OR
B
OR
B
NA
HORSE TRAINER (RACING INDUSTRY, NO TRACK WORK,
QUALIFIED AND MINIMUM TWO YEARS EXPERIENCE)
OR
B2
OR
B2
NA
NA
HORSE TRAINER (RACING INDUSTRY) TRACK WORKER
OR
NA
OR
NA
HORTICULTURIST
OR
B
OR
B
B
HOSPITAL PORTER
OR
C
OR
C
NA
HOTEL HOUSEKEEPER, CHAMBERMAID
OR
C
OR
C
NA
HOTEL, CLUB, RESTAURANT, MANAGER (ADMIN ONLY)
OR
AA
OR
AA
NA
HOTEL, CLUB, RESTAURANT, MANAGER (WITH <10% BAR
WORK)
OR
A2
OR
A2
NA
HOTEL, CLUB, RESTAURANT, MANAGER (WITH >10% BAR
WORK)
OR
B
OR
B
NA
HUMAN RESOURCES (HR) CONSULTANT
OR
AA
OR
AA
AA
HYPNOTHERAPIST (QUALIFIED)
OR
AA
OR
AA
AA
HYPNOTHERAPIST (UNQUALIFIED)
OR
NA
OR
NA
NA
ICE-CREAM PARLOUR
OR
A
OR
A
NA
i–l
Note
4
4
4
4
Life
TPD
CIB
IP
INDOOR CRICKET FACILITY PROPRIETOR
Occupation
OR
A
OR
A
BE
NA
INSULATION INSTALLER
OR
NA
OR
NA
NA
INSURANCE (OFFICE / ADMIN ONLY)
OR
AA
OR
AA
NA
INSURANCE ASSESSOR / LOSS ADJUSTOR
(NO SURVEILLANCE)
OR
AA
OR
AA
AA
INSURANCE ASSESSOR / LOSS ADJUSTOR
(WITH SURVEILLANCE)
OR
B
OR
B
B
INSURANCE BROKER / AGENT, CONSULTANT
OR
AAA
OR
AAA
AAA
INSURANCE, PRINCIPAL / EXECUTIVE UNDERWRITER
OR
AAA
OR
AAA
AAA
INSURANCE, UNDERWRITER
OR
AA
OR
AA
AA
INTERPRETER (FULL-TIME)
OR
AA
OR
AA
AA
INVESTIGATOR, PRIVATE INCLUDING DETECTIVE AND
ENQUIRY AGENT (ARMED)
OR
NA
OR
NA
NA
INVESTIGATOR, PRIVATE INCLUDING DETECTIVE AND
ENQUIRY AGENT (UNARMED)
OR
B
OR
B
B
INVESTMENT ADVISER
OR
AAA
OR
AAA
AAA
IRIDOLOGIST (QUALIFIED)
OR
AA
OR
AA
AA
IRONMONGER
OR
C
OR
C
NA
JEWELLERY INDUSTRY, CUTTER, POLISHER, SETTER,
ENGRAVER, LAPIDARY (GEMS DIAMOND)
OR
A
OR
A
A
NA
JEWELLERY INDUSTRY, RETAIL STORE
OR
A
OR
A
JEWELLERY INDUSTRY, WATCHMAKER AND REPAIRER
OR
A
OR
A
A
JOCKEYS (FLAT RACING ONLY), TROTTING DRIVER
OR
NA
OR
NA
NA
JOCKEYS (STEEPLE CHASE)
OR
NA
1.5
NA
NA
JOURNALIST, NEWS READER, REPORTER (SALARIED), ON
AIR & NO OVERSEAS, MINIMUM TWO YEARS EXPERIENCE
OR
A
OR
A
NA
JOURNALIST, REPORTER (FREELANCE)
NO OVERSEAS ASSIGNMENTS
OR
A
OR
NA
NA
JOURNALIST, REPORTER (SALARIED OR FREELANCE),
OVERSEAS ASSIGNMENTS
IC
NA
IC
NA
NA
JOURNALIST, REPORTER (SALARIED), NOT ON AIR,
NO OVERSEAS ASSIGNMENTS
OR
AA
OR
AA
NA
2
JOURNALIST, REPORTER (SALARIED, ON AIR & NO
OVERSEAS) MINIMUM TWO YEARS EXPERIENCE
OR
A
OR
A
NA
JUDGE, MAGISTRATE
OR
LP
OR
LP
NA
4
KITCHEN HAND
OR
NA
OR
NA
NA
LABORATORY TECHNICIAN
OR
AA
OR
AA
NA
4
LABOURER (NO SPECIAL HAZARDS)
OR
NA
OR
NA
NA
LANDSCAPE GARDENER, QUALIFIED
OR
B2
OR
B2
B2
LANDSCAPE GARDENER, UNQUALIFIED
OR
C
OR
C
NA
4
1
2
3
4
5
Note
4
4
4
4
2
4
4
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
LAUNDROMAT OWNER
OR
NA
OR
NA
BE
NA
LAUNDRY STAFF
OR
B2
OR
B2
NA
LAWN MOWER RETAILER (SALES ONLY)
OR
A2
OR
A2
NA
LAWN MOWER RETAILER (SERVICE, REPAIRS)
OR
B2
OR
B2
NA
LAWN MOWING CONTRACTOR
OR
C
OR
C
C
LAWN MOWING CONTRACTOR (OTHER)
OR
NA
OR
NA
NA
LEGAL, ARTICLE CLERK
OR
AA
OR
AA
AA
LEGAL, BAILIFF
OR
AA
OR
AA
NA
LIBRARIAN
OR
AA
OR
AA
NA
LIFESAVERS, BEACH PATROL, LIFEGUARD (VOLUNTEER) –
RATE FOR OCCUPATION
IC
IC
IC
IC
IC
LIFESAVERS, BEACH PATROL, LIFEGUARDS (PROFESSIONAL)
OR
NA
OR
NA
NA
LIGHT FITTING (SALES ONLY)
OR
A
OR
A
NA
LIQUOR STORE (SALES ONLY)
OR
A
OR
A
NA
LOCKSMITH
OR
A2
OR
A2
A2
MACHINERY AGENT
OR
A
OR
A
A
MACHINERY EQUIPMENT HIRE AND SERVICE (OTHER)
OR
B
OR
B
NA
MACHINERY EQUIPMENT HIRE AND SERVICE (SALES ONLY)
OR
A
OR
A
A
MACHINIST, CLOTHING
OR
NA
OR
NA
NA
B2
MACHINIST, METAL, WOOD
OR
B2
OR
B2
MACHINIST, SUPERVISOR (NO MANUAL)
OR
A
OR
A
A
MAID (FULL-TIME)
OR
NA
OR
NA
NA
MAIL DELIVERY MAILMAN MAILPERSON ( NOT
MOTORCYCLE)
OR
B2
OR
B2
B2
MAIL DELIVERY MAILMAN MAILPERSON (MOTORCYCLE)
OR
NA
OR
NA
NA
MAITRE D
OR
A2
OR
A2
NA
MAKE UP ARTIST
OR
A2
OR
A2
A2
MANAGEMENT CONSULTANT (TERTIARY QUALIFIED)
OR
AAA
OR
AAA
AAA
MANAGEMENT CONSULTANT (OTHER)
OR
AA
OR
AA
AA
MANAGER ADMINISTRATION
OR
AA
OR
AA
AA
MANUFACTURER (OFFICE DUTIES ONLY)
OR
AA
OR
AA
NA
MAP MAKER/CARTOGRAPHER
OR
AA
OR
AA
AA
MARINA OWNER
OR
B
OR
B
NA
MARINE ENGINEER, (QUALIFIED, NO UNDERWATER,
<10% DUTIES AT SEA)
OR
A
OR
A
A
MARINE SURVEYOR / ENGINEER (UNDERWATER )
$5
NA
NA
NA
NA
MARINE SURVEYOR (NO UNDERWATER,
OR
A
OR
A
A
<10% DUTIES AT SEA)
2
MARKET GARDENER (OWNER/MANAGER)
OR
B2
OR
B2
NA
MARKETING, SALES MANAGER
OR
AA
OR
AA
NA
m
Note
Occupation
MARTIAL ARTS INSTRUCTOR (QUALIFIED WITH
3
4
Life
TPD
CIB
IP
BE
OR
B2
OR
B2
NA
MASSEUR, MASSEUSE (EST. AT LEAST TWO YEARS)
OR
B2
OR
B2
B2
MATRON (<10 % MANUAL)
OR
AA
OR
AA
NA
MP
MAXILLA FACIAL SURGEON
OR
MP
OR
MP
MEAT INDUSTRY, BUTCHER RETAIL
OR
B
OR
B
B
MEAT INDUSTRY, INSPECTOR
OR
A
OR
A
A
MEAT INDUSTRY, PACKER / COLD STORE WORKER/
PROCESSOR
OR
NA
OR
NA
NA
NA
2
MEAT INDUSTRY, SLAUGHTERER
OR
B2
OR
B2
3
MECHANIC
OR
B
OR
B
B
MERCHANT BANKER (DEGREE QUALIFIED)
OR
AAA
OR
AAA
NA
MERCHANT BANKER (OTHER)
OR
AA
OR
AA
NA
MERCHANT SEAMAN
OR
NA
OR
NA
NA
4
4
METAL INDUSTRY (OFFICE DUTIES ONLY)
OR
AA
OR
AA
NA
METAL INDUSTRY, SUPERVISOR (<10% MANUAL DUTIES)
OR
A2
OR
A2
NA
METAL INDUSTRY, SUPERVISOR (>10% MANUAL DUTIES)
OR
B
OR
B
NA
METALLURGIST (OFFICE DUTIES ONLY)
OR
AA
OR
AA
AA
METALLURGIST (OTHER THAN OFFICE DUTIES)
OR
A
OR
A
A
METEOROLOGIST
OR
AAA
OR
AAA
AAA
METER READER, ELECTRICITY , GAS
OR
C
OR
C
C
MIDWIFE
OR
A2
OR
A2
NA
MILK BAR, EMPLOYEE
OR
B
OR
B
NA
MILK BAR, OWNER
OR
A2
OR
A2
NA
MINING (NO UNDERGROUND,
HEAVY MACHINERY OPERATORS)
OR
C
OR
C
NA
MINING (NO UNDERGROUND,
MECHANICS AND ELECTRICIANS)
OR
B
OR
B
NA
MINING (NO UNDERGROUND, USING EXPLOSIVES)
$2
NA
NA
NA
NA
MINING (OFFSHORE WORKER,
AUSTRALIAN WATERS ONLY)
$2
NA
1.5
NA
NA
MINING (OFFSHORE WORKER,
OUTSIDE AUSTRALIAN WATERS
NA
NA
NA
NA
NA
MINING (ONSHORE WORKER, ADMIN/CLERICAL)
4
MINING (UNDERGROUND WORKER, FACEWORKERS)
MINING (UNDERGROUND, EXPLOSIVES HANDLER)
OR
AA
OR
AA
AA
$2.5
NA
1.5
NA
NA
$5
NA
NA
NA
NA
4
MINING (UNDERGROUND, MECHANICS AND
ELECTRICIANS, >10% UNDERGROUND)
$2.5
NA
1.5
NA
NA
2
MINING (UNDERGROUND, MECHANICS AND
ELECTRICIANS UP TO 10% UNDERGROUND)
OR
B2
OR
B2
B2
1
2
3
4
5
Note
Occupation
MORTGAGE BROKER
4
4
2
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
BE
OR
AA
OR
AA
AA
MOTEL PROPRIETOR (ADMIN ONLY)
OR
AA
OR
AA
NA
MOTEL PROPRIETOR (CLEANING COOKING ETC)
OR
B
OR
B
NA
MOTOR VEHICLE ACCESSORIES AND
SPARE PARTS RETAILER
OR
A2
OR
A2
NA
MOTOR VEHICLE CAR TRUCK CARAVAN BOAT
SALESPERSON (MINIMUM TWO YEARS EXPERIENCE)
OR
AA
OR
AA
AA
MOTOR VEHICLE CAR TRUCK CARAVANS BOAT
SALESPERSON (< TWO YEARS EXPERIENCE)
OR
A
OR
A
A
NA
MOTOR VEHICLE, ASSEMBLY PRODUCTION LINE
OR
NA
OR
NA
MOTOR VEHICLE, WINDSCREEN FITTER, INSTALLER
OR
C
OR
C
B
MOTOR VEHICLE, WRECKER
OR
C
OR
C
NA
MUSIC TEACHER (FULL TIME IN SCHOOL, UNI/COLLEGE)
OR
AA
OR
AA
NA
MUSIC TEACHER, WORKING AT HOME
OR
NA
OR
NA
NA
MUSICAL INSTRUMENT SALES, SHOP ONLY
OR
A
OR
A
NA
MUSICIAN
OR
NA
OR
NA
NA
NATUROPATH, (QUALIFIED)
OR
AA
OR
AA
AA
NEUROLOGIST
OR
MP
OR
MP
MP
NEUROSURGEON
OR
MP
OR
MP
MP
NEWSAGENT, CARD SHOP (SALES ONLY)
OR
A
OR
A
NA
NEWSAGENT, INCLUDING DELIVERIES
OR
B
OR
B
NA
NEWSPAPER, MAGAZINES EDITOR
OR
AA
OR
AA
NA
MP
NUCLEAR MEDICINE SPECIALIST
OR
MP
OR
MP
NURSE AIDE
OR
B
OR
B
NA
NURSE DIRECTOR OF NURSING / UNIT MANAGER
(<10% MANUAL)
OR
AA
OR
AA
NA
NURSE DIRECTOR OF NURSING / UNIT MANAGER
(>10% MANUAL)
OR
A
OR
A
NA
NURSE, GENERAL
OR
A2
OR
A2
NA
NURSE, PSYCHIATRIC
OR
B2
OR
B2
NA
NURSERY (SALES ONLY) (NO MANUAL)
OR
A
OR
A
NA
NURSERY PERSON (LIGHT MANUAL DUTIES, QUALIFIED
OR > FIVE YEARS IN OCCUPATION)
OR
B
OR
B
NA
NURSERY PERSON (OTHER)
OR
C
OR
C
C
OCCUPATIONAL THERAPIST
OR
AA
OR
AA
AA
OFFICE EQUIPMENT AND PHOTOCOPIER (SALES ONLY)
OR
AA
OR
AA
NA
OFFICE SUPPLY, STATIONER (SALES ONLY)
OR
A
OR
A
NA
OFFICE SUPPLY, STATIONER, DELIVERIES
OR
B2
OR
B2
NA
ONCOLOGIST
OR
MP
OR
MP
MP
OPHTHALMIC SURGEON
OR
MP
OR
MP
MP
OPHTHALMOLOGIST
OR
MP
OR
MP
MP
o–p
Note
4
4
3
Life
TPD
CIB
IP
BE
OPTICAL TECHNICIAN
Occupation
OR
AA
OR
AA
AA
OPTICIAN / OPTOMETRIST
OR
AAA
OR
AAA
AAA
ORTHODONTIST
OR
MP
OR
MP
MP
ORTHOPAEDIC SURGEON
OR
MP
OR
MP
MP
OSTEOPATH
OR
AA
OR
AA
AA
OUTDOOR SUPPLIES (TENTS, BBQ)
OR
B
OR
B
NA
PACKER
OR
NA
OR
NA
NA
PAEDIATRIC SURGEON
OR
MP
OR
MP
MP
PAEDIATRICIAN
OR
MP
OR
MP
MP
PAINT AND WALLPAPER (SALES ONLY)
OR
A
OR
A
NA
PAINT AND WALLPAPER (SALES WITH LIGHT MANUAL)
OR
B
OR
B
NA
PAINTER (ONLY TO FIVE METRES)
OR
B2
OR
B2
B2
PAINTER (OVER FIVE METRES)
$2
NA
1.5
NA
NA
PANEL BEATER
OR
B
OR
B
B
PARAMEDIC, AMBULANCE OFFICER, MICA AND DRIVER
OR
B
OR
B
NA
4
PARKING STATION ATTENDANT
OR
NA
OR
NA
NA
4
PARKING WARDEN/OFFICER
OR
NA
OR
NA
NA
MP
2
PATHOLOGIST
OR
MP
OR
MP
PAWNBROKER / SECONDHAND DEALER
OR
B
OR
B
NA
PERIODONTIST
OR
MP
OR
MP
MP
PERSONAL CARE ASSISTANT
OR
B
OR
B
A
PERSONAL TRAINER (QUALIFIED AND MINIMUM OF
TWO YEARS EXPERIENCE)
OR
B2
OR
B2
NA
4
PEST CONTROLLER, EXTERMINATOR FUMIGATOR (OTHER)
OR
NA
OR
NA
NA
2
PEST CONTROLLER, EXTERMINATOR FUMIGATOR
(TRADE QUALIFIED ONLY)
OR
B2
OR
B2
B2
PET SHOP
OR
A2
OR
A2
NA
PHOTOENGRAVER
OR
B
OR
B
B
PHOTOGRAPHER, EMPLOYED ON LOCATION
(AUSTRALIA ONLY)
OR
A2
OR
A2
A2
PHOTOGRAPHER, EMPLOYED, STUDIO
OR
AA
OR
AA
AA
PHOTOGRAPHER, FREELANCE (NO HAZARDS AND
MINIMUM TWO YEARS EXPERIENCE IN OCCUPATION)
OR
A2
OR
A2
A2
PHYSICIST
OR
AAA
OR
AAA
AAA
PHYSIOTHERAPIST
OR
AAA
OR
AAA
AAA
PIANO TUNER
OR
A2
OR
A2
A2
PICTURE FRAMER
OR
B
OR
B
B
PILOTS REGULAR COMMERCIAL FLIGHTS
OR
NA
OR
NA
NA
B2
4
2
PLASTERER GYPROCK FIXER CEILING FIXER
OR
B2
OR
B2
3
PLUMBER AND GAS FITTER (<10% ROOF PLUMBING)
OR
B
OR
B
B
PODIATRIST
OR
AAA
OR
AAA
AAA
1
2
3
4
5
Note
$
IC
Life
TPD
CIB
IP
4
POLICE ARMY OFFICER (BOMB DISPOSAL)
$5
NA
1.5
NA
NA
4
POLICE OFFICER – HELICOPTER AND AEROPLANES
(<200 HOURS P.A.)
OR
NA
OR
NA
NA
4
(>500 HOURS P.A.)
$5
NA
1.5
NA
NA
4
(201 – 500 HOURS P.A.)
$2
NA
1.5
NA
NA
4
POLICE OFFICER (PATROL DUTIES INCLUDING
MOTOR CYCLE)
OR
NA
OR
NA
NA
4
POLICE OFFICER, DETECTIVE (OTHER)
OR
NA
OR
NA
NA
4
POLICE, SEARCH AND RESCUE (INCLUDING DIVING)
$2
NA
1.5
NA
NA
POST OFFICE AGENT (DESK WORK ONLY)
OR
AA
OR
AA
NA
POST OFFICE SORTER
OR
NA
OR
NA
NA
POTTERY AND CERAMICS, POTTER
(NOT WORKING FROM HOME)
OR
B
OR
B
B
PRINTING AND PUBLISHING (ADMINISTRATION/CLERICAL)
OR
AA
OR
AA
AA
PRINTING AND PUBLISHING
(BOOKBINDER/COMPOSITOR/ TYPESETTER)
OR
A2
OR
A2
A2
4
4
Occupation
OR Ordinary rates
BE
PRINTING AND PUBLISHING (COMPUTER OPERATOR)
OR
AA
OR
AA
AA
PRINTING AND PUBLISHING
(EDITOR, PROOFREADER, PUBLISHER)
OR
AA
OR
AA
AA
PRINTING AND PUBLISHING (PRINTER)
OR
A
OR
A
A
PRISON OFFICER
OR
NA
OR
NA
NA
4
PRISON/ CORRECTIONS OFFICER
OR
NA
OR
NA
NA
4
PROCESS WORKER
OR
NA
OR
NA
NA
PRODUCE MERCHANT
OR
B
OR
B
NA
4
PROFESSIONAL SPORTSPERSON – HAZARDOUS
SPORTS (NB: ADDITIONAL LOADING WILL APPLY
AT UNDERWRITING)
OR
NA
OR
NA
NA
4
PROFESSIONAL SPORTSPERSON –
NO HAZARDOUS SPORTS
OR
NA
OR
NA
NA
PROPERTY DEVELOPER
OR
NA
OR
NA
NA
4
PROTECTME DEFAULT OCCUPATION
PSYCHIATRIST
OR
MP
OR
MP
MP
PSYCHOLOGIST
OR
AAA
OR
AAA
AAA
PUBLIC RELATIONS OFFICER
OR
AA
OR
AA
AA
PUBLISHER
OR
AA
OR
AA
AA
PURCHASING OFFICER
OR
AA
OR
AA
AA
QUANTITY SURVEYOR
OR
AA
OR
AA
AA
4
QUARRY WORKER (BLASTING)
$2
NA
1.5
NA
NA
4
QUARRY WORKER (NO BLASTING)
OR
NA
OR
NA
NA
RADIOGRAPHER / RADIOTHERAPIST / X-RAY TECHNICIAN
OR
AA
OR
AA
AA
r–s
Note
4
4
Occupation
Life
TPD
CIB
IP
BE
RADIOLOGIST
OR
MP
OR
MP
MP
RAILWAY WORKER, (OTHER THAN OFFICER WORKER,
SURVEYOR, FOREMAN INSPECTOR)
OR
NA
OR
NA
NA
RAILWAY WORKER, FOREMAN INSPECTOR
OR
A2
OR
A2
NA
RAILWAY WORKER, OFFICE WORKER
OR
AA
OR
AA
NA
RAILWAY WORKER, SURVEYOR
OR
A2
OR
A2
NA
RAILWAY, DRIVER/GUARD
OR
NA
OR
NA
NA
4
RAILWAY, STATIONMASTER
OR
NA
OR
NA
NA
4
RAILWAY/TRAM/TRAIN – DRIVER OR GUARD
OR
NA
OR
NA
NA
RAILWAY/TRAM/TRAIN – FOREMAN INSPECTOR
OR
A2
OR
A2
NA
RAILWAY/TRAM/TRAIN – OFFICE WORKER
OR
AA
OR
AA
NA
NA
4
4
3
4
4
RAILWAY/TRAM/TRAIN – STATIONMASTER
OR
NA
OR
NA
RAILWAY/TRAM/TRAIN – SURVEYOR
OR
A2
OR
A2
NA
RAILWAY/TRAM/TRAIN (OTHER WORKERS NOT ALREADY
SPECIFIED)
OR
NA
OR
NA
NA
REAL ESTATE AGENT, LAND BROKER
OR
AA
OR
AA
AA
RECEPTIONIST, CLERICAL, ADMIN ONLY
OR
AA
OR
AA
NA
RECORD SHOP
OR
A
OR
A
NA
REFINERY CONSOLE OPERATOR (ONSHORE ONLY)
OR
B
OR
B
NA
REFLEXOLOGIST (QUALIFIED)
OR
AA
OR
AA
AA
REFRIGERATOR MECHANIC
OR
B
OR
B
B
REHABILITATION CONSULTANT (OTHER)
OR
A
OR
A
A
AA
REHABILITATION CONSULTANT (QUALIFIED)
OR
AA
OR
AA
RELIGION, MINISTER, VICAR, PRIEST, CLERGY
OR
AA
OR
AA
NA
REMOVALIST
OR
NA
OR
NA
NA
REMOVALIST DRIVER AND MANUAL DUTIES
OR
NA
OR
NA
NA
RENAL PHYSICIAN
OR
MP
OR
MP
MP
RENDERER
OR
C
OR
C
C
REPAIRS OFFICE EQUIPMENT AND PHOTOCOPIER,
HOUSEHOLD APPLIANCES SERVICE AND REPAIRS
OR
B
OR
B
NA
4
REPOSSESSION AGENT
OR
NA
OR
NA
NA
4
RESTAURANT, BAR PERSON, BARMAN, BARWOMAN,
CELLARMAN
OR
NA
OR
NA
NA
4
RESTAURANT, MANAGER, PROPRIETOR
OR
AA
OR
AA
NA
ROOF PLUMBER , ROOF TILER, ROOFER
OR
C
OR
C
C
SAIL MAKER
OR
B
OR
B
B
SALES, MARKETING MANAGER
OR
AA
OR
AA
AA
SALES, REPRESENTATIVE (DELIVERIES)
OR
A
OR
A
A
SALES, REPRESENTATIVE (NO DELIVERIES)
OR
AA
OR
AA
AA
SALVAGE VESSEL OFFICER AND CREW
OR
NA
OR
NA
NA
1
2
3
4
5
Note
4
4
OR Ordinary rates
$
IC
Occupation
Life
TPD
CIB
IP
SANDBLASTER
OR
C
OR
C
BE
C
SAWMILL WORKER
OR
NA
OR
NA
NA
SCHOOL INSPECTOR / EDUCATION INSPECTOR
OR
AA
OR
AA
NA
SCHOOL LECTURER, TUTOR, LECTURER,
PROFESSOR (DEGREE QUALIFIED), FULL-TIME
IN SCHOOL, UNI., COLLEGE
OR
AAA
OR
AAA
NA
SCHOOL LECTURER, TUTOR, LECTURER,
OR
NA
OR
NA
NA
SCHOOL PRINCIPAL / HEADMASTER / HEAD TEACHER
OR
AAA
OR
AAA
NA
SCHOOL TEACHER, PRE SCHOOL KINDERGARTEN
PRIMARY AND TERTIARY
OR
AA
OR
AA
NA
PROFESSOR (DEGREE QUALIFIED), PART-TIME OR
WORKING FROM HOME / STUDENT’S HOME
SCHOOL TEACHER, TRADES, TECHNICAL
OR
AA
OR
AA
NA
SCHOOL UNIVERSITY AND COLLEGE STAFF,
OFFICE/ADMIN, OTHER
OR
AA
OR
AA
NA
SCIENTIST (QUALIFICATIONS AND NO HAZARDS)
OR
AAA
OR
AAA
AAA
SCRAP DEALER IRON MONGERS
OR
NA
OR
NA
NA
SCREEN PRINTER
OR
B
OR
B
B
4
SCULPTOR
OR
NA
OR
NA
NA
4
SEAGOING PASSENGER, BULK, CONTAINER SHIP,
OFFICERS, CREW
OR
NA
OR
NA
NA
SECRETARY
OR
AA
OR
AA
NA
4
SECURITY GUARD (ARMED OR UNARMED), BOUNCER,
CROWD CONTROLLER
OR
NA
OR
NA
NA
NA
4
4
4
3
4
SENIOR EXECUTIVE
OR
AA
OR
AA
SERVICE STATION, CASHIER, CONSOLE OPERATOR
OR
A2
OR
A2
NA
SERVICE STATION, DRIVEWAY PETROL ATTENDANT
OR
B2
OR
B2
NA
NA
SERVICE STATION, PROPRIETOR, MANAGER
OR
A
OR
A
SEWING MACHINE MECHANIC
OR
B
OR
B
B
SEX WORKER OR EXOTIC LAP DANCER
NA
NA
NA
NA
NA
NA
SHEARER, SHEARING CONTRACTOR
OR
NA
OR
NA
SHEET METAL WORKER
OR
B2
OR
B2
B2
SHIPWRIGHT
OR
B2
OR
B2
B2
SHIPYARD WORKERS
OR
NA
OR
NA
NA
SHOE SHOP / FOOTWEAR (SALES ONLY)
OR
A
OR
A
NA
NA
SHOP KEEPER, ART DEALER ART GALLERY
OR
AA
OR
AA
SHOPFITTER
OR
B
OR
B
B
SHORE PERSONNEL, ADMINISTRATION
OR
AA
OR
AA
AA
SHOWER SCREEN INSTALLER
OR
B2
OR
B2
B2
SIGNWRITER (OVER FIVE METRES)
$2
NA
1.5
NA
NA
SIGNWRITER (UP TO FIVE METRES)
OR
B2
OR
B2
B2
SKIN, HIDE, LEATHER (SALES ONLY)
OR
A
OR
A
NA
s
Note
2
3
4
4
4
Life
TPD
CIB
IP
BE
SKYLIGHT FITTER
Occupation
OR
B2
OR
B2
B2
SOCIAL WORKER (OTHER THAN QUALIFIED)
OR
A
OR
A
A
SOCIAL WORKER, QUALIFIED
OR
AA
OR
AA
AA
SPECIALIST PHYSICIAN
OR
MP
OR
MP
MP
SPECIALIST SURGEON
OR
MP
OR
MP
MP
SPEECH THERAPIST / PATHOLOGIST
OR
AA
OR
AA
AA
SPORTING GOODS
OR
A
OR
A
NA
SPRAY PAINTER
OR
B
OR
B
B
SQUASH COURT OWNER (FULL-TIME MANAGEMENT,
NO PROFESSIONAL PLAYING)
OR
A2
OR
A2
NA
STABLEHAND
OR
NA
OR
NA
NA
STATIONERY (SALES ONLY)
OR
A
OR
A
NA
STATISTICIAN
OR
AAA
OR
AAA
AAA
STEEL ERECTORS FIXER RIGGERS AND SCAFFOLDERS
$2
NA
1.5
NA
NA
STENOGRAPHER
OR
AA
OR
AA
AA
NA
STEVEDORE
OR
NA
OR
NA
STOCK AND STATION AGENT
OR
A
OR
A
A
STOCKBROKER TERTIARY QUALIFIED
OR
AAA
OR
AAA
AAA
AA
STOCKBROKER, OTHER
OR
AA
OR
AA
STONEMASON, MASON
OR
C
OR
C
C
STOREMAN, WAREHOUSEMAN WAREHOUSEPERSON
OR
B2
OR
B2
NA
4
STRAPPER
OR
NA
OR
NA
NA
4
STUDENT
OR
NA
OR
NA
NA
SUPERMARKET (DELIVERIES ONLY)
OR
B2
OR
B2
NA
SUPERMARKET (CASHIER ONLY)
OR
A
OR
A
NA
2
4
SUPERMARKET, MANAGER (MANUAL)
OR
A
OR
A
NA
SUPERMARKET, MANAGER (NO MANUAL)
OR
AA
OR
AA
NA
SUPERMARKET, NIGHTFILLER
OR
NA
OR
NA
NA
SUPERMARKET, OTHER (NOT MANAGER, CASHIER,
NIGHTFILLER OR DELIVERIES)
OR
A2
OR
A2
NA
SUPERMARKET, SUPERVISOR
OR
A2
OR
A2
NA
SURVEYOR, QUALIFIED (OFFICE ONLY)
OR
AAA
OR
AAA
AAA
SURVEYOR, QUALIFIED, FIELD
OR
A
OR
A
A
4
SURVEYOR, UNDERGROUND MINE (NO DISASTER WORK)
$2
NA
1.5
NA
NA
SWIMMING POOL SUPPLIES (SALES ONLY)
OR
A
OR
A
NA
4
SWIMMING POOL, ATTENDANT OR CLEANER
OR
NA
OR
NA
NA
SWIMMING POOL, BUILDER
OR
B
OR
B
B
2
SWIMMING POOL, INSTRUCTOR (QUALIFIED AND
OR
I/C
OR
I/C
NA
SWIMMING POOL, PROPRIETOR, MANAGER
OR
A
OR
A
NA
SYSTEMS ANALYST
OR
AA
OR
AA
AA
1
2
3
4
5
Note
4
4
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
TAB AGENT
OR
AA
OR
AA
BE
NA
TANNER
OR
NA
OR
NA
NA
TATTOOIST
OR
NA
OR
NA
NA
TAX CONSULTANT / AGENT, (NOT TERTIARY QUALIFIED)
OR
AA
OR
AA
AA
AAA
TAX CONSULTANT / AGENT, (TERTIARY QUALIFIED)
OR
AAA
OR
AAA
2
TAXI DRIVER (OWNER DRIVER)
OR
B2
OR
B2
NA
4
TAXI DRIVER (EMPLOYEE )
OR
NA
OR
NA
NA
4
2
2
4
TAXIDERMIST
OR
B
OR
B
B
TEACHER’S AIDE
OR
A
OR
A
NA
TELEPHONE ENGINEER (TERTIARY QUALIFIED,
>10% MANUAL)
OR
A
OR
A
A
TELEPHONE ENGINEER (TERTIARY QUALIFIED,
<10% MANUAL)
OR
AA
OR
AA
AA
TELEPHONE LINESMAN (< FIVE METRES)
OR
C
OR
C
C
TELEPHONE LINESMAN (> FIVE METRES)
$2
NA
1.5
NA
NA
TELEPHONE TECHNICIAN
(NO UNDERGROUND OR HEIGHTS)
OR
A2
OR
A2
A2
TELEPHONE TECHNICIAN
(UNDERGROUND OR UP TO FIVE METRES)
OR
C
OR
C
C
TELEPHONIST, SWITCHBOARD OPERATOR
OR
AA
OR
AA
NA
TENNIS COACH (QUALIFIED AND MINIMUM
TWO YEARS EXPERIENCE)
OR
B2
OR
B2
B2
TILER, WALL AND FLOOR (NOT QUALIFIED OR
QUALIFIED WITH <5 YEARS IN OCCUPATION)
OR
C
OR
C
C
TILER, WALL AND FLOOR (QUALIFIED AND
OVER 5 YEARS IN OCCUPATION)
OR
B2
OR
B2
B2
TIMBER / BUILDING SUPPLIES / HARDWARE / MERCHANT
(SHOP SALES)
OR
A2
OR
A2
A2
TIMBER / BUILDING SUPPLIES / MERCHANT / HARDWARE
(YARD WORKER)
OR
B2
OR
B2
B2
NA
TIMBER INDUSTRY, TREE FELLER
OR
NA
OR
NA
TIMBER INDUSTRY, TREE SURGEON
OR
C
OR
C
C
TIMBER, LOGGING CONTRACTOR, LOG HAULER
OR
C
OR
C
C
NA
TOBACCONIST
OR
A
OR
A
3
TOOL MAKER
OR
B
OR
B
B
4
TOUR GUIDE
OR
NA
OR
NA
NA
2
TOW TRUCK DRIVER (OTHER)
OR
C
OR
C
NA
TOWN PLANNER
OR
AA
OR
AA
AA
TOY SHOP
OR
A
OR
A
NA
TRAVEL AGENT
OR
AA
OR
AA
NA
TRUCK OR VAN DAIRY DELIVERYMAN, MILKMAN
OR
B2
OR
B2
B2
t–v
Note
Life
TPD
CIB
IP
4
TRUCK OR VAN DRIVER (INTERSTATE)
Occupation
OR
NA
OR
NA
BE
NA
2
TRUCK OR VAN DRIVER (RETURNING HOME DAILY)
OR
B2
OR
B2
NA
2
TRUCK OR VAN JUICE VENDOR
OR
B2
OR
B2
B2
2
TRUCK OR VAN MILKMAN / DAIRY / BREAD /
SOFT DRINK DELIVERY
OR
B2
OR
B2
B2
4
TRUCK OR VAN-EXPLOSIVES (DANGEROUS GOODS /
PETROL / PETROLEUM PRODUCTS)
OR
NA
OR
NA
NA
4
4
4
4
2
4
4
TUPPERWARE SALES PERSON
OR
NA
OR
NA
NA
TV THEATRE CINEMA FILM, ADMINISTRATION
(OFFICE ONLY)
OR
AA
OR
AA
NA
TV THEATRE CINEMA FILM (AGENT)
OR
AA
OR
AA
NA
TV THEATRE CINEMA FILM, ANNOUNCER NEWS READER
OR
IC
OR
IC
NA
TV THEATRE CINEMA FILM, CHOREOGRAPHER, DANCER
OR
NA
OR
NA
NA
TV THEATRE CINEMA FILM, DIRECTORS, PRODUCERS
OR
AA
OR
AA
NA
TV THEATRE CINEMA FILM, DISTRIBUTOR
OR
AA
OR
AA
NA
TV THEATRE CINEMA FILM, EDITOR
OR
IC
OR
IC
NA
TV THEATRE CINEMA FILM, ELECTRICIANS, TECHNICIANS,
SOUND RECORDERS, ENGINEERS
OR
A2
OR
A2
A2
TV THEATRE CINEMA FILM, MANAGEMENT (NO MANUAL)
OR
AA
OR
AA
NA
TV THEATRE CINEMA FILM, PROJECTIONIST
OR
A2
OR
A2
NA
TV THEATRE CINEMA FILM, REPAIRPERSON, TECHNICIAN
OR
B
OR
B
B
TV THEATRE CINEMA FILM, SCRIPT WRITER
OR
NA
OR
NA
NA
NA
TV THEATRE CINEMA FILM, STAGE HAND / ROADIE, MUSIC
OR
NA
OR
NA
TV THEATRE CINEMA FILM, STAGE MANAGER (MANUAL)
OR
A2
OR
A2
NA
TV THEATRE CINEMA FILM, STAGE MANAGER
(NO MANUAL)
OR
A
OR
A
NA
TV THEATRE CINEMA FILM, WARDROBE
OR
A2
OR
A2
NA
TYPIST
OR
A
OR
A
NA
TYRE AND BATTERY (SALES ONLY)
OR
A2
OR
A2
NA
TYRE AND BATTERY, MANUFACTURE, REPAIRS, FITTING
OR
B2
OR
B2
NA
NA
UNSKILLED MANUAL WORKER – NO SPECIAL RISK
OR
NA
OR
NA
UPHOLSTERER, MOTOR VEHICLE AND OTHER
OR
B
OR
B
B
UROLOGIST
OR
MP
OR
MP
MP
USHER (FULL-TIME)
OR
A2
OR
A2
NA
USHER (PART TIME)
OR
NA
OR
NA
NA
VENDING MACHINE (MECHANIC ONLY)
OR
B
OR
B
B
VENDING MACHINE (OPERATOR)
OR
IC
OR
IC
IC
VETERINARIAN
OR
AAA
OR
AAA
AAA
VETERINARY NURSE
OR
A2
OR
A2
NA
VIDEO SHOP (OTHER)
OR
C
OR
C
NA
VIDEO SHOP PROPRIETOR (EST. MINIMUM OF TWO YEARS)
OR
A
OR
A
NA
1
2
3
4
5
Note
2
4
4
4
Occupation
OR Ordinary rates
$
IC
Life
TPD
CIB
IP
BE
VIGNERON (NO MANUAL)
OR
AA
OR
AA
NA
VIGNERON (OTHER)
OR
A2
OR
A2
NA
WAITER, WAITRESS (HOTEL, CLUB, RESTAURANT) –
FULL-TIME, MINIMUM TWO YEARS EXPERIENCE
OR
B
OR
B
NA
NA
WAITER, WAITRESS (HOTEL, CLUB, RESTAURANT) – OTHER
OR
NA
OR
NA
WALLPAPER HANGER
OR
B2
OR
B2
B2
WARDSMAN / ORDERLY
OR
NA
OR
NA
NA
B2
WASHING MACHINE MECHANIC REPAIRER
OR
B2
OR
B2
WELDER / BOILERMAKER (NOT QUALIFIED)
OR
C
OR
C
C
WELDER / BOILERMAKER (QUALIFIED)
OR
B2
OR
B2
B2
WELFARE OFFICER, YOUTH WORKER
OR
A
OR
A
A
WINDOW DRESSER
OR
A2
OR
A2
A2
WINDOW TINTER (ABOVE FIVE METRES)
$2
NA
1.5
NA
NA
WINDOW TINTER (NOT ABOVE FIVE METRES)
OR
B
OR
B
B
WINE, SPIRIT MERCHANT
OR
A
OR
A
NA
WOOL BUYER, CLASSER
OR
A2
OR
A2
A2
ZOO, WILDLIFE KEEPER, ATTENDANT (NO OVERSEAS)
OR
C
OR
C
NA
ZOOLOGIST
OR
AA
OR
AA
AA
Section 7
SECTION 7
Product summary –
lump sum & income
protection
Product summary – lump sum
Life
Recovery
Money
Flexible
Recovery
Money*
Stand Alone
Recovery
Money
If your client dies
Death Benefit
✔
✔
✘
✘
If your client becomes critically ill
Critical Illness Benefit
✘
✔
✔
✔
If your client becomes terminally ill
Terminal Illness Benefit
✔
✔
✘
✘
If your client loses their life while applying
Interim Accident Insurance
✔
✔
✘
✔
To cover funeral expenses
Funeral Assistance Benefit
✔
✔
✘
✘
Built in
* Flexible Recovery Money is an ancillary policy that can only be held in conjunction with a life policy.
Life
Recovery
Money
Flexible
Recovery
Money
Stand Alone
Recovery
Money
If your client becomes disabled
Disability Benefit (TPD)
✔
✔
✔
✔
If your client loses their life by accident
Accidental Death Benefit
✔
✔
✘
✘
If your clients wishes to insure their business
Business Protection Option
✔
✔
✔
✔
To insure children for critical illness
Child’s Critical Illness Benefit
✔
✔
✔
✔
If your client becomes severely ill
Severe Illness Benefit
✘
✔
✔
✔
We can waive premiums if your client claims
Waiver of Premium
✔
✔
✔
✔
To repurchase cover after a claim
Critical Illness Reinstatement Option
Critical Illness Buy Back Option
TPD Buy Back Option
✘
✘
✔
✔
✔
✔
✔
✔
✔
✔
✘
✘
Extra protection
Occupationally Acquired Hepatitis B and C
✘
✔
✔
✔
Stand Alone TPD
✘
✘
✘
✔
At additional cost
Section 7 Product summary – lump sum & income protection 56
Product summary – lump sum
Critical illnesses covered
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
Aplastic Anaemia
Benign Intracranial Tumour
Blindness
Cancer
Cardiomyopathy
Chronic Lung Disease
Coma
Coronary Artery By-Pass Surgery
Coronary Artery Disease
Deafness
Dementia
Diabetes
Encephalitis
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
Heart Attack
Heart Surgery
Intensive Care
Liver Disease
Loss of Independent Existence
Loss of Limbs (and/or Sight)
Loss of Speech
Major Burns
Major Head Trauma
Major Organ Transplant
Medically Acquired HIV Infection
Meningitis and/or
Meningococcal Disease
Sum insured
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
■■
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
Occupationally Acquired
HIV Infection
Open Heart Surgery
Out of Hospital Cardiac Arrest
Paralysis
Parkinson’s Disease
Pneumonectomy
Primary Pulmonary Hypertension
Renal Failure
Stroke
Issue and expiry ages
Life
Min: None
Max: None
Issue age: 11–70
Expiry age: 90
Critical Illness
Min: $10,000^
Max: $2,000,000
Issue age: 17–65
Expiry age: 90*
TPD
Min: None
Max: $5,000,000^^^
Issue age: 17–65
Expiry age: 90**
^ For any Recovery Money, Flexible Recovery Money and Stand Alone Recovery Money policy.
^^The expiry age for critical illness and disability benefits reduces to age 65.
^^^For TPD above $3 million, the Activities of Daily Living Definition (ADL) will apply.
* After age 65, the ADL definition will apply.
** After age 70, the ADL definition will apply.
Minimum premium
Stepped
$200 p.a. plus policy fee (unless sum insured is greater than $200,000)
Level
$500 p.a. plus policy fee (unless sum insured is greater than $500,000)
Life
Recovery
Money
Flexible
Recovery
Money
Stand Alone
Recovery
Money
✔
✔
✔
✘
✔
✔
✘
✔
✘
✔
✔
✔
✔
✔
✘
✘
✔
✔
✔
✔
✔
✔
✔
✔
✘
✔
✔
✔
✔
✘
✔
✔
✔*
✔
✔
✔
Built in
Indexation (CPI or 5%)
Economiser Option
Future Insurability
Future Insurability – Critical Illness
Upgrade Guarantee
Superannuation Option
Death Benefit (potential up to $5,000)
Financial planning benefit
Child Support Benefit
* TPD cover only
57 Section 7 Product summary – lump sum & income protection
Product summary – income protection
Gold and Excell
Built in
Gold
Excell
If your client dies – Death Benefit
(six times monthly benefit max. $60,000)
✔
✔
If your client becomes disabled – Total Disability Benefit
(up to 75% of monthly earnings)
✔
✔
If your client becomes partially disabled – Partial Disability Benefit
✔
✔
If your client is specifically injured – Scheduled Injury Benefit
✔
✔^
If your client becomes critically ill – Critical Conditions Benefit
(31 specified Illnesses)
✔
✘
If your client requires a nurse when unwell – Nursing Care Benefit
✔
✘
Income for rehabilitation – Rehabilitation Income Benefit
✔
✘
Money to cover rehabilitation expenses – Rehabilitation Expense Benefit
✔
✘
For emergency travel – Emergency Travel Benefit
✔
✘
For unemployment protection – Unemployment Waiver
✔
✘
Specified spouse accommodation – Spouse Accommodation Benefit
✔
✘
Re-occurring claims – Recurrent Claim Benefit
Waiver of Premium
✔
✔
✔
✔
✔
✔
✔
✔
Lump Sum Option*
✔
✔
Child Income Benefit
✔
✔
Our upgrade guarantee
Guaranteed Renewable
Agreed Value and Indemnity versions of each of the Gold and Excell product exist.
Agreed Value is guaranteed on production of financials.
*Available only where benefit period to age 65 has been selected.
At additional cost
Gold
Excell
Accident Benefit
✔
✔
Platinum Benefit (potential 1/3rd increase in certain benefit payments)
✔
✘
Increasing Claim Benefit
✔
✔
Guaranteed Insurability Option
(option to increase cover by 15% each three years free of medical u/w)
✔
✔
Debt Replacement Benefit
✔
✘
Superannuation Maintenance Benefit
✔
✔
^
^
Not available where policy held in a superannuation fund.
Section 7 Product summary – lump sum & income protection 58
Product summary – income protection
Gold and Excell
Issue Ages
20 – 60 next birthday
Expiry Ages
65 unless specifically selected to only go to age 60 or unless at age 65 a claim
exists on the policy and you selected a benefit period to 70^
Waiting Period
14, 30, 60, 90, 180, 365* and 730* days
Premium Frequency
Monthly, Quarterly, Half-yearly or Yearly
Premium Options
Stepped and Level premiums
Minimum Premium
N/A
Minimum Monthly Benefit
$1,000 per month
Maximum Monthly Benefit
75% of first $320,000 p.a. of gross income after business expenses, and
50% of gross income p.a. after business expenses thereafter.
Subject to a maximum monthly benefit of $30,000.
* Available for benefit periods to age 60, 65 and 70.
Business expenses
This is an income plan that covers an insured’s business expenses for up to one year after the waiting
period of any one claim.
Benefits
■■
■■
■■
■■
Features
■■
■■
■■
■■
■■
■■
^
Total Disability Benefit for business expenses (up to 100% of
eligible expenses)
Partial Disability Benefit
Interim Accident Insurance
Death Benefit
Automatic Indexation of Benefit (greater of 3% or CPI)
Extension of Benefit Period
Guaranteed Yearly Renewable
Waiver of Premium
Recurrent Claim Benefit
Upgrade Guarantee
Issue and Expiry Ages and
Premiums
As per Income Protection
Waiting Period
14, 30 days
Minimum Monthly Benefit
$1,000 per month
Maximum Monthly Benefit
Up to 100% of eligible expenses with an overall maximum of $40,000
Not available for superannuation policies.
59 Section 7 Product summary – lump sum & income protection
Section 8
SECTION 8
Contact us
Contact us
Contact Aviva underwriting
Click
We can be contacted via central email boxes
which are cleared daily.
NSW:
[email protected]
QLD:
[email protected]
SA:
[email protected]*
VIC/TAS: [email protected]**
WA:
[email protected]
* SA team assesses NT applications
** VIC team assesses Tasmanian applications
Call
Our Underwriting Team works on state based
splits and are easily contactable.
Just call 1300 1 AVIVA (1300 1 28482) and
follow the brief prompt for direct connection
to your relevant Underwriter.
Section 8 Contact us 61 The information in this document is provided by Norwich Union Life Australia Limited (‘NULAL’) ABN 34 006 783 295,
AFSL 241686. For information of financial advisers only. NULAL does not authorise the distribution of this material to clients
of financial advisers.
Life Insurance Investments Superannuation
Aviva. Life Company of the Year
Our award winning products will boost your business at the time when you need it most.
To get the best for your clients, talk to us about our exceptional products and high quality service
on 1300 1 AVIVA (1300 128 482) or go to aviva.com.au
AV519B 03.09
Aviva. Financially strong and managing our business to stay that way.
The above information is general in nature and does not take into account your personal objectives, financial situation or
needs. Before deciding to acquire or to continue to hold a financial product or service, you should consider the relevant
Product Disclosure Statement (PDS) and whether it is appropriate for you. More details and copies of each PDS are
available from aviva.com.au

Underwriting – Overdelivering

Transcription

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