Health · Chapter 19 · Risk Factors
Dual Occupation Rule
Definition
When an applicant works two jobs, the insurer bases the policy's benefits AND premiums on the MORE HAZARDOUS occupation.
Example
An accountant who moonlights as a roofer is underwritten as a roofer.
Exam tip
Classic exam question — always the MORE hazardous occupation, never the primary or higher-paying one.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms