ING Living Super MetLife Underwriting Guide Contents 1. MetLife’s Occupation Classification Guide 2 2. Occupation Restriction - Total Permanent Disablement Exclusions Applied to Automatic Cover 2 3. Occupation Classification Tables 3 4. Medical/Health Guide 17 1. MetLife’s Occupation Classification Guide This guide offers occupational category ratings for a variety of occupations based on the ING occupation classifications referenced below for Tailored cover. The occupation list is divided into industry and occupations, deemed to be the most commonly disclosed over the previous several years. It contains various professional, administrative, skilled and unskilled occupations and also captures high risk occupations. As not all occupations are listed, there is the provision to choose ‘Other’. Occupations are based on duties performed, rather than by title. Some occupations are rated based on the qualifications obtained and given duties, for example surgeons, general practitioners, architects and engineers. If the applicant’s occupation is not listed a similar occupation with the same duties performed may be selected. Alternatively, the applicant’s occupation may be disclosed under ‘Other’ (not listed) in eApply for the underwriter to assess individually based on the applicant’s performed duties. Description of occupation classifications Occupational Category Occupational Categorisation Description Professional PROF Restricted to certain medical, legal and executive professions generally requiring university degree or equivalent qualifications. White Collar WC Generally administrative office based duties performed, not necessarily requiring a university or other degree based qualifications. Light Blue Collar LBC Generally light manual duties performed or trade qualified workers in a supervision role overseeing other trade workers for majority of their working day. Blue Collar BLUE Moderate to heavy manual duties performed, including trade qualified workers and certain unskilled workers. Referred to Underwriter RUW Occupations that are deemed high risk due to the nature of the duties performed and/or as a result of the environment in which they work. In most instances, these occupations are referred to the underwriter for individual consideration for Death & TPD cover and not available for Income Protection Cover. Decline DCL Certain occupations, in conjunction with the nature of duties performed, may also be associated with adverse lifestyle or work environments. The mortality or morbidity rate is deemed too high for these occupations, making it difficult to quantify the risk. In these circumstances, the underwriter will decline the application for insurance. 2. Occupation Restrictions - Total and Permanent Disablement Exclusions Applied to Automatic Cover Under Total and Permanent Disablement (TPD) cover, no benefit (or refund of premium) will be payable if the event giving rise to the claim is directly or indirectly a result of the Covered Person working in an occupation (at cover commencement): • At heights above 15 metres; • Underground in the mining industry; • While carrying a firearm; • With explosives; • Offshore in the oil, gas or petroleum industry; or • In the armed forces. This means no benefit (or refund of premium) will be payable under TPD cover. ING Living Super - Underwriting Guide 2 3. Occupation Classification Tables Death TPD IP IP (2 year (to age 67) benefit) Advertising & Marketing Office desk based duties - Degree or tertiary qualified PROF PROF PROF PROF Office desk based duties - Not degree or tertiary qualified WC WC WC WC Office desk based duties - Executive or manager PROF PROF PROF PROF Business Analyst/Consultant PROF PROF PROF PROF Working outside of office environment - Handling merchandise LBC LBC LBC RUW Working outside of office environment - Not handling merchandise LBC LBC LBC RUW Other RUW RUW RUW RUW Agriculture, Animal, Forestry & Timber Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Abattoir Worker - Manual BLUE RUW DCL DCL Abattoir Worker - Non manual LBC LBC LBC DCL Agriculture Pilot BLUE BLUE DCL DCL Agronomist/Agricultural Scientist LBC LCB LBC LBC Animal Handler/Trainer/Breeder - Small animals BLUE BLUE RUW DCL Animal Handler/Trainer/Breeder - Large animals BLUE RUW DCL DCL Arborist Tree Surgeon - Above 15 metres BLUE RUW DCL DCL Arborist Tree Surgeon - Below 15 metres BLUE BLUE DCL DCL Business Analyst/Consultant PROF PROF PROF PROF Farmer - Labourer/Contractor BLUE RUW DCL DCL Farmer - Owner/Manager - Manual BLUE BLUE BLUE DCL Farmer - Owner/Manager - Non manual LBC LBC LBC LBC Forest Ranger/Warden BLUE BLUE DCL DCL Fruit Picker/Packer BLUE DCL DCL DCL Horticulturist LBC LBC LBC DCL Kennel - Owner/Worker - Manual BLUE BLUE BLUE DCL Kennel - Owner/Worker - Non manual LBC LBC LBC DCL Livestock - Auctioneer/Buyer/Dealer LBC LBC LBC LBC Lumber Yard - Owner/Manager BLUE BLUE RUW DCL ING Living Super - Underwriting Guide 3 Death TPD IP IP (2 year (to age 67) benefit) Lumber Yard - Other BLUE BLUE DCL DCL Meat Inspector LBC LBC LBC LBC Meat Packer BLUE BLUE DCL DCL Orchardist/Fruit Grower - Manual BLUE BLUE BLUE DCL Orchardist/Fruit Grower - Non manual LBC LBC LBC RUW Park ranger/Park Keeper BLUE BLUE BLUE DCL Saw Mill - Operator/Worker BLUE BLUE DCL DCL Shearer/Shearing contractor (not seasonal) BLUE BLUE DCL DCL Stock and Station Agent LBC LBC LBC LBC Stock worker/Station Hand/Drover/Jackeroo BLUE RUW DCL DCL Timber Industry - Non manual LBC LBC LBC DCL Timber Merchant LBC LBC LBC LBC Tree feller/Lopper/Getter BLUE RUW DCL DCL Veterinarian - Large animals and/or surgeon BLUE BLUE BLUE BLUE Veterinarian - Research only PROF PROF PROF PROF Veterinarian - Small animals LBC LBC LBC LBC Vigneron - Manual worker BLUE BLUE BLUE RUW Vigneron - Non manual LBC LBC LBC RUW Wool Broker - Handling merchandise LBC RUW RUW RUW Wool Broker - Not handling merchandise WC WC WC WC Wool - Buyer/Classer LBC LBC LBC LBC Zoologist LBC LBC LBC LBC Other RUW RUW RUW RUW Art & Entertainment Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Actor/Actress/Entertainer LBC RUW RUW DCL Amusement Parlour/Centre - Owner/Manager/Supervisor BLUE BLUE BLUE DCL Amusement Parlour/Centre - Other BLUE RUW DCL DCL Artist - Commercial not working from home WC WC WC WC Artist - Freelance or working from home BLUE RUW RUW DCL Author/Writer BLUE RUW DCL DCL Business Analyst/Consultant PROF PROF PROF PROF ING Living Super - Underwriting Guide 4 Death TPD IP IP (2 year (to age 67) benefit) Casino Dealer/Croupier/Gaming Attendant BLUE BLUE BLUE DCL Circus Performers/Employees BLUE RUW DCL DCL Composer LBC RUW RUW RUW Curator - Art Gallery/Library/Museum WC WC WC WC Dance Instructor BLUE RUW RUW RUW Disc Jockey LBC RUW RUW DCL Engraver/Etcher LBC LBC LBC LBC Graphic Artist/Designer - Commercial not working from home WC WC WC WC Graphic Artist/Designer - Freelance or working from home LBC LBC RUW DCL Musician BLUE RUW RUW DCL Photographer - Aerial/Overseas/Freelance RUW RUW DCL DCL Photographer - Studio only LBC LBC LBC LBC Stunt person RUW RUW DCL DCL Other RUW RUW RUW RUW Aviation Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Air Traffic Controller BLUE RUW DCL DCL Business Analyst/Consultant PROF PROF PROF PROF Cabin Crew LBC RUW DCL DCL Flight Engineer LBC RUW RUW DCL Maintenance/Baggage Handlers/Truck Drivers/Mechanic BLUE BLUE BLUE DCL Pilot - Agriculture/Helicopter/Instructor BLUE RUW DCL DCL Pilot - Commercial/Freight Cargo LBC RUW RUW DCL Refueler BLUE RUW DCL DCL Other RUW RUW RUW RUW Building, Architecture & Construction Services Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Air Conditioning Engineer/Installer/Technician - Manual BLUE BLUE BLUE DCL Air Conditioning Engineer/Installer/Technician - Non manual LBC LBC LBC LBC Architect - Manual BLUE BLUE BLUE BLUE Architect - Non manual PROF PROF PROF PROF ING Living Super - Underwriting Guide 5 Death TPD IP IP (2 year (to age 67) benefit) Asbestos Worker BLUE RUW DCL DCL Asphalt Layer/Road Construction/Maintenance BLUE BLUE RUW DCL Blaster/Explosive Handler RUW RUW DCL DCL Boiler Maker/Welder BLUE BLUE BLUE DCL Brick Cleaner/Paver/layer BLUE BLUE DCL DCL Builder/Carpenter/Joiner/Painter - Manual BLUE BLUE BLUE DCL Builder/Carpenter/Joiner/Painter - Non manual LBC LBC LBC RUW Builder/Carpenter/Joiner/Painter - Above 15 metres BLUE RUW DCL DCL Business Analyst/Consultant PROF PROF PROF PROF Civil Engineer - Sedentary/Consulting only PROF PROF PROF PROF Civil Engineer - Other WC WC WC WC Concreter BLUE RUW DCL DCL Crane Operator/Dogger/Rigger/Scaffolder/Steeplejack BLUE BLUE DCL DCL Draftsperson WC WC WC WC Drainage Contractor/Drainer - Domestic BLUE BLUE RUW DCL Drainage Contractor/Drainer - Other BLUE BLUE DCL DCL Earth Moving Equipment Operator/Driver BLUE BLUE BLUE DCL Electrician - Domestic/Light commercial LBC LBC LBC LBC Electrician - Other BLUE BLUE RUW DCL Fencing Contractor BLUE BLUE DCL DCL Floor Coverer/Sander/Carpet layer BLUE BLUE BLUE DCL Foundry/Steel Worker - Manual BLUE BLUE DCL DCL Foundry/Steel Worker - Non manual BLUE BLUE BLUE DCL Gardener/Landscaper - Manual BLUE BLUE BLUE DCL Gardener/Landscaper - Non manual LBC LBC LBC LBC Gas Fitter BLUE BLUE BLUE DCL Glazier BLUE BLUE BLUE DCL Gyprock Fixer/Plasterer BLUE BLUE BLUE DCL Handyman/woman BLUE BLUE BLUE DCL Insulation Installer BLUE BLUE BLUE DCL Interior Decorator - Manual duties LBC LBC RUW DCL Interior Decorator - Non manual WC WC WC WC Labourer BLUE BLUE DCL DCL ING Living Super - Underwriting Guide 6 Death TPD IP IP (2 year (to age 67) benefit) Plasterer BLUE BLUE BLUE DCL Plumber BLUE BLUE BLUE DCL Roof Plumber/Tiler/Worker BLUE RUW RUW DCL Surveyor - Field Work LBC LBC LBC RUW Surveyor - Minimal Field Work WC WC WC WC Trades Apprentice BLUE BLUE RUW DCL Wall/Floor Tiler BLUE BLUE BLUE DCL Window Dresser LBC LBC LBC DCL Window Fitter - Above 15 metres BLUE RUW DCL DCL Window Fitter - Below 15 metres BLUE BLUE BLUE DCL Wrecker/Demolisher - Explosives RUW RUW DCL DCL Wrecker/Demolisher - Other BLUE BLUE DCL DCL Other RUW RUW RUW RUW Education, Training & Recruitment Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Business Analyst/Consultant PROF PROF PROF PROF Child Care Worker - Not registered BLUE BLUE BLUE DCL Child Care Worker - Registered LBC LBC LBC LBC Employment Agent WC WC WC WC Headmaster/Principal PROF PROF PROF PROF Janitor BLUE BLUE BLUE DCL Lecturer - Other WC WC WC WC Lecturer - Professor/Doctorate PROF PROF PROF PROF Librarian WC WC WC WC Music Teacher - School/University/College BLUE BLUE BLUE BLUE Music Teacher - Other BLUE BLUE RUW DCL Student LBC RUW DCL DCL Teacher - Classroom Only LBC LBC LBC LBC Teacher - PE/Trades/Technical BLUE BLUE BLUE BLUE Vocational Therapist/Trainer LBC LBC RUW RUW Other RUW RUW RUW RUW ING Living Super - Underwriting Guide 7 Death TPD IP IP (2 year (to age 67) benefit) Finance & Banking Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Accountant - CPA PROF PROF PROF PROF Accountant/Bookkeeper - Other WC WC WC WC Actuary PROF PROF PROF PROF Armed Guards/Armoured Car Drivers RUW RUW DCL DCL Auditor - Qualified PROF PROF PROF PROF Auditor - Other WC WC WC WC Broker - Commodity/Finance/Stock WC WC WC RUW Business Analyst/Consultant PROF PROF PROF PROF Business Consultant/Development Mgr - Less than 5 years WC WC WC WC Business Consultant/Development Mgr - More than 5 years PROF PROF PROF PROF Clerks/Tellers WC WC WC WC Debt Collector BLUE RUW DCL DCL Economist/Statistician PROF PROF PROF PROF Financial or Insurance Agent/Advisor/Planner WC WC WC WC Insurance Investigator - Office only WC WC WC WC Insurance Investigator - Other LBC LBC LBC RUW Loss Assessor/Loss Adjustor LBC LBC LBC RUW Recruitment Consultant/Human Resources WC WC WC WC Senior Executive/Merchant Banker/Investment Banker PROF PROF PROF PROF Telephonist/Switchboard Operator WC WC WC WC Unarmed Guards BLUE RUW RUW DCL Underwriter/Claims - Life / General Insurance - Office only WC WC WC WC Other RUW RUW RUW RUW Fisheries & Marine/Shipping Office desk based duties - Executive or manager PROF PROF PROF PROF Office desk based duties - Other employees WC WC WC WC Business Analyst/Consultant PROF PROF PROF PROF Diver - Abalone/Professional/Salvage RUW RUW DCL DCL Dockyard/Shipyard Worker/Labourer BLUE RUW DCL DCL Fisherman/woman RUW RUW DCL DCL ING Living Super - Underwriting Guide 8