When you purchase a disability policy, the company classifies you in an occupational class based on risk. Some occupations deemed riskier, such as a surgeon, will be in a different occupational class than a less risky occupation such as an attorney. The occupational class determines your premium.
Recently, we received notice Berkshire/Guardian that they are upgrading some occupations. If you fall into one of these occupational categories, your premiums would now be less than if you had purchased prior to the announcement. (more…)
