Risk Criteria- Vocation and Avocation

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Risk Criteria- Vocation and Avocation

When underwriting your life insurance application and determining if you are an acceptable risk for the company, an underwriter will take both your vocation and avocations into consideration.

Your vocation is your job, and if you are in a dangerous vocation like construction or police work, you may be declined or charged an additional premium.

Your avocations are your hobbies. Scrapbooking and golf will not be considered dangerous by the underwriter, but scuba diving and hang gliding may and could also result in higher premiums or a declined policy.



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Patricia Walters-Fischer