Which occupation is typically associated with higher disability income premiums?

• A. Architect
• B. Welder
• C. Teacher
• D. Clerk

Answer: (B)

Disability income premium pricing reflects the risk of a claim. The more hazardous the occupation, the higher the chance of a disabling injury, so insurers charge higher premiums for those workers.

Welder is a physically demanding, high-risk job with exposure to burns, cuts, heavy lifting, and other on-the-job injuries. That greater disability risk means the policy would typically have higher premiums.

In contrast, occupations like architect, teacher, and clerk are generally office-based with fewer immediate physical hazards, so they usually carry lower disability income premiums. Note that individual factors like age and health also affect premiums, but occupation largely drives the relative differences here.