Page 45 - Life Insurance underwriting Ebook IC 22

a) Specialized training - some jobs require intensive training and
specialized Hence. Chances of accidents are higher in such cases if

the task is n led by an under trained and under skilled employee.

b) Environmental exposure - some of the work environments have a
high amount of environmental exposure e.g. a nuclear plant, mines

etc.

c) Equipment used - in some occupations, employees have to use

specialized dangerous equipment as part of their job.

d) Material used - in some cases employees have to use explosive and

dangerous materials in their jobs.

e) Working conditions - improper working conditions such as working

at a -height for building construction workers, electricians. etc.

f) Physical requirements - some professions require certain levels of
physical fitness e.g. certain fitness levels required for aviation.

g) Location - location (city or country) as to where the individual is
employed also affects the mortality and morbidity risk.

1.3 Occupations categorized as high risk occupation

a) Armed forces

The Indian Army
The Indian Navy

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