Occupation Classification

Standard Insurance Company Individual Disability Insurance Manual 12288.22 Revised September 5, 2012

Overview

The underwriting process starts with a Change in Occupation clear understanding of the business in which the proposed insured is engaged Reduction of premiums for a change in and the duties of the occupation. occupation will be considered after a Duties is the key word. The applicants permanent change, other than due to must clearly state what they do for a retirement, to a lower premium rate living – the duties of the job are occupation. The insured must have relevant, not just the title. Please avoid performed in the less hazardous general terms such a salesperson, occupation continuously for at least executive or president, without further one year and have no intention of description. A complete description of returning to the primary duties of the duties is required. previous occupation. If an individual has multiple or part-time When underwriting a request for occupations, the occupation reduction of occupational premium, in classification will be determined by the addition to evaluating the change in occupation with the greatest risk. occupation, The Standard will consider build, medical history and Classifying Occupations impairments, habits and all other underwriting factors. An insured who A particular job and job duties are has changed to a lower premium rate generally classified in accordance with occupation, but who has become a the hazards of the work and the higher risk for some other reason, will difficulty involved in returning to work. not qualify for improvement in the occupation class. Other factors may also strongly affect the claim experience, such as the social Any premium refund will depend on or economic environment. For example, the circumstances of the particular the disability income claim experience case. In no event will premium be for chiropractors, dentists and refunded for more than one year prior employees of restaurants and hotels is to the date notice of change was higher than the actual hazard would received at the home office. Therefore, seem to warrant. it is important that prompt notice of an occupation change be given to The Selected occupations may have certain Standard. other qualifications or requirements resulting in a more or less favorable classification. These requirements will be listed either with the occupation or in the Special Occupation section beginning on the following pages.

FOR PRODUCER USE ONLY – NOT FOR USE WITH CONSUMERS This manual is not a contract. It is intended as a general reference tool only and does not reflect exact contract language. Provisions and availability of certain policy benefits and riders may vary by state. All benefits and riders are subject to underwriting considerations and evaluation and reinsurance availability. 1

Standard Insurance Company Individual Disability Insurance Manual 12288.22 Revised September 5, 2012

Occupation Classification

Using the Occupation Full-time Employment Required Classification List The proposed insured must work 30 Some occupation classifications may hours or more per week at the primary be found by the name or type of occupation. specific job or occupation, such as “accountant,” “barber,” “nurse.” For Part-time or Multiple others it may be necessary to refer to a Occupations general industry or activity, such as “agriculture,” “bank,” “computer,” Any part-time occupation(s) must be “construction,” “medical services,” etc. shown and described. Part-time Since no list can be all-inclusive, if an income is generally not included to occupation is not listed or there is any determine the benefit amount that may doubt as to the probable classification, be issued. The occupational contact your home office underwriter. classification assigned will be for the most hazardous or higher premium The occupation class assigned will be occupation. based upon the actual duties, not based on the job title. The list is a guide only and the actual underwriting classification assigned to a policy may be more or less favorable, subject to the home office underwriter’s evaluation. For some occupation classifications the occupation list will show that two or more years’ income documentation may be required.

Standard Insurance Company Individual Disability Insurance Manual 12288.22 Revised September 5, 2012

Special Occupations

The Special Occupations section State Disability Insurance details additional requirements and the For applicants covered only by state occupation classification that may apply disability insurance (SDI) with no other to certain occupations. legislated benefits, please use the Working in Home/Residence following guidelines: (Self-employed): For some . California SSI, if any, must have a occupations, the occupation class list 365-day waiting period. shows specific limitations or disqualifies . Hawaii and Rhode Island SSI, if any, those from being eligible for disability must have a 180-day waiting period. insurance if they work in their home or residence. Because a stable and predictable work environment and earnings are essential to underwriting the disability risk, a proposed insured with an office in his or her home/residence will be given individual consideration, subject to the following information and requirements: Minimum Requirements: . Frequent contact with clients, customers or patients is necessary. . Success of the business depends upon that contact. . Profit and loss statements, alone, will not satisfy the income documentation requirements. If the proposed insured meets these minimum requirements, refer to the table in the following section. Contact your home office underwriter if you have questions. Regardless of the above guidelines, the underwriter’s individual consideration given to such cases may result in either no offer, a reduced benefit amount, a reduced benefit period and/or elimination of some riders or other benefits.

Standard Insurance Company Individual Disability Insurance Manual 12288.22 Revised September 5, 2012

Special Occupations

Selected Students and New The listed amounts are subject to Professionals underwriting approval and will be reduced by any other in force disability Special limits are available for certain income coverage. professionals in their first two years of practice in their profession or for listed If the applicant has accepted a job student professionals exhibiting offer or employment contract which continuous educational progress. goes into effect within the next three These limits are not available to those months, the amount of disability with interrupted periods of schooling or income offered will be based upon the training, or if more than six months has earned income and any group or other elapsed between leaving disability income coverage that the school/training and starting practice. applicant will become eligible for as a Amounts greater than the listed limit result of that employment. must be justified by earned income. To assist in processing applications, These limits are available on an “all indicate applicable details on the base” coverage approach. As an application, such as the program of alternative for The Protector+SM, the study, school year, year of residency, Supplemental Social Insurance Benefit medical specialty training for, and the rider (SSI) may also be offered. For length of time practicing in their example, a veterinarian starting in profession. private practice can purchase either We do not offer disability insurance to $1,250 base benefit per month plus any other students, studying for a $750 SSI, providing a total benefit of profession or otherwise. $2,000 per month, or $2,000 base benefit per month (“all base” coverage) and no SSI.

Temporary Changes

Based on observed stabilization in the financial • Income averaging is not appropriate for significant services industry, The Standard has reviewed certain fluctuations—more than 20 percent per year—in occupations and adjusted its underwriting criteria, earned income, or if the year-to-date documentation returning to previously established normal maximum I&P produces the lowest income limits. Other occupations will remain eligible for reduced Guarantee Issue I&P limits, as described in the chart below. Individual Disability Insurance For best consideration, include detailed cover letters In concert with the IDI changes referred to above, explaining applicants’ employment history, prior The Standard has adjusted underwriting criteria for earnings and future income potential. The Standard has Guarantee Issue (GI) offers. always encouraged you to submit as much context as possible when submitting an IDI application. The more information you supply, the better your chances of a Eligible For Normal I & P Eligible For Reduced I & P quick response from underwriting with the best possible Limits Published In Limits $15,000/mo For GI IDI offer. this Product Guide IDI With LTD Bond and stock traders (not on the Real Estate attorneys Eligible For Normal I & P Eligible For Reduced I & P exchange floor) Limits Published In Limits Max $10,000/mo Investment analysts Mortgage Brokers this Product Guide Investment bankers Mortgage Originators Bond and stock traders (not on the Real Estate attorneys exchange floor) Hedge Fund/Derivative Managers Real Estate Agents and Brokers

Investment analysts Mortgage Brokers Private Equity Firms Residential Construction

Investment bankers Mortgage Originators Commodity Brokers/Traders (not on the exchange floor) Hedge Fund Managers Real Estate Agents and Brokers (large frms only) Private Equity Firms Residential Construction The Following Occupations Are Not Eligible For GI IDI Coverage: The Following Occupations Are Not Eligible • Commodity Brokers (on the exchange floor) For IDI Coverage: • Real Estate Developers • Commodity Brokers (on the exchange floor) Many factors are considered in establishing whether • Real Estate Developers The Standard will make an offer on a Guarantee Issue case. These include occupation, industry, geographical Commodity brokers (not on the floor) and Venture location and income patterns. The emphasis will be on Capitalists will be considered for regular limits on a current rather than historical income. We will continue to case-by case basis, taking into consideration key research employers for stability. Sources include but are factors such as the pattern and stability of earned not limited to Internet research, financial publications income. and commercial research firms. Income averaging may not be appropriate for significant fluctuations (more than Each of the occupations listed in the chart above will be 20 percent changes in earned income per year). held to the following temporary restrictions:

• Three consecutive years in industry and the last two years’ tax returns are required • The Business Owner Upgrade, Business Owner Discount and Earned Income Enhancer are not available • Income documentation and current year-to-date income statements are required 6

Occupation Classifcations Overview

The underwriting process starts with a clear understanding of the business in which the proposed insured is engaged and the duties of the occupation. Duties is the key word. The applicants must clearly specify what they do for a living — the duties of the job are relevant, not just the title. Please avoid general terms such as salesperson, executive or president, without further description. A complete description of duties is required. If an individual has multiple or part - time occupations, the occupation classification will be determined by the occupation with the greatest risk.

Class 5A Class 3A This class includes a number of professionals and This class includes most professionals and those select white - collar occupations. Preferential rates technical and managerial occupations that do not are available. Typical occupations are architects qualify for class 4A. In most cases these people are and attorneys. office - only workers whose particular occupations exhibit a high degree of stability and responsibility. Class 4P This class is for medical professionals who do Class 2P not perform any type of surgery or interventional This class is for medical professionals with high- procedures with some exceptions. Examples include risk practices, and for other health care providers general practitioners, internists and family practice with strenuous manual duties. Examples are physicians. Most dental specialties are also included in anesthesiologists, and registered nurses. Occupation this occupation class. Class 2P is only available with Protector Platinum. Occupations in this class are classified as 2A, 3A or 3P Class 4A for other products. This class also includes a number of professionals and select white ‑ collar occupations. Favored premium rates Class 2A are available. Typical occupations include large animal This class includes supervisors of various occupations veterinarians and school principals. who do not perform manual labor. Certain skilled clerical and technical workers are also included, Class 3P Surgeon along with some other categories of occupations. This sub-class is for surgeons, including, thoracic Examples are court reporters, surveyors and many surgeons, plastic surgeons, and neurosurgeons if clerical employees. performing surgery. Class A Class 3P This class includes manual workers who have no This class is for emergency room physicians and unusual occupational hazard such as hair stylists and physicians who perform interventional procedures, with electricians. some exceptions. These physician specialties include Class B obstetricians and non - specialty dentists. This class covers the most hazardous work that The Standard will insure for disability income insurance purposes. Examples are carpenters, mechanics, and chiropractors. 7

Special Occupations Students And New Professionals1,2 Unless otherwise noted, “new in practice limits” refers to those starting or in their first two years of professional practice. For those starting up their own business and/or opening a private practice, and who are not eligible for group LTD, income documentation is not required to obtain the limits specified below. For all others, these limits will be offset by any other individual, group or association coverage in force or applied for. Please refer to Government Employees on the next page for government employee guidelines. Group LTD coverage is not considered when determining the amount of available coverage for physicians and dentists applying under the new-in-practice limits during their first two years in professional practice.

Maximum Monthly Beneft incl. any SSI Maximum Monthly Beneft incl. any SSI Accounting 5A or 4A Pharmacist 5A CPA, new in practice $4,000 Registered, new in practice $4,500 Student, fnal year $2,000 Pharmacy, resident or fnal year student $2,500

Architect 5A or 4A PhD Psychologist 4A Registered, new in practice $4,000 New in practice $4,000 Student, fnal year $2,000 Resident, fnal year $2,000

Certified Registered Nurse Anesthetist (CRNA) 3P Physician’s Assistant 3A, 4P* CRNA, new in practice $4,000 Licensed $4,000 CRNA fnal year in training $2,000 Podiatrist/Chiropodist4 2P* Engineer (see Occupation Classifcations List ) 5A, 4A or 3A New in practice $2,500 Working in feld of degree, new in practice $4,000 Resident or student, fnal year $1,000 Student, fnal year $2,000 Medical - MD or Osteopath 4P, 3P or 2P Dental 3P Surgeons, Cardiologists, Dermatologists, General Dentist, new in practice5 $5,000 Gastroenterologists, Oncologists, Orthopedists, $7,50 0 Oral Surgeon, new in practice5 $7,50 0 Otolaryngologists, Radiologists and Urologists5 Residents, including Oral Surgeon Residents $4,000 Physicians, other than those listed above5 $6,500 All Dental Students, in third and fourth year $2,500 Anesthesiologist or ER Physician5 $6,500 Fellows6 $5,000 Dental Specialties 4P Resident6 in frst and second year $5,000 Dentist in specialty, new in practice5 $6,000 Resident6 in third and fourth year $5,000 Residents $4,000 Intern6 $3,500 Medical Student7 in third and fourth year $2,500 Information Technology Professional 5A, 4A or 3A Software Engineer, System Analyst, etc.3 $4,000 Nurse Practitioner 3A, 4P* Senior computer science student $2,000 New in practice $4,000 Other $2,000 Veterinary Medicine, large animals 4A Legal 5A New in practice $4,000 Attorney, new in practice $4,000 Veterinary Student in fourth year $2,500 Student, fnal year $2,000 Veterinary Medicine, small animals 5A Optometry 5A New in practice $4,000 Optometrist, new in practice $4,000 Veterinary Student in fourth year $2,500 Student, fnal year $2,000 * Only available with Protector Platinum.

1 The Standard allows special underwriting rules for these insureds, which allow them to 3 With Bachelor’s degree in computer science and/or technical certifcation like MCSE purchase an FPO amount of up to $10,000. These special rules also allow a one-time and MCDBA. only, off‑anniversary FPO election for this group of policyholders, subject to The Standard’s usual fnancial underwriting. The time period to more quickly exercise 4 Own Occupation is not offered with Protector+. up to the full amount of all remaining FPO is limited to 36 months following graduation 5 These limits are available to new-in-practice or within 180 days prior to completion of (attaining professional degree), or completion of residency or fellowship, whichever residency or fellowship. comes later. After that time, any remaining amount of FPO then becomes subject to the 6 Occupation Class will be based on their specialty of practice or intended specialty. regular schedule for FPO exercises provided in the FPO Rider. 7 Occupation Class is 3P in all cases. 2 The Catastrophic Disability Beneft Rider (CAT) beneft amount is available at a 1:1 ratio with the base coverage available. CAT Rider is not available in California or Connecticut. 8

Special Occupations (continued) Government Employees Available Benefts Government employees generally participate in the • Noncancelable Benefit Rider Federal Employees Retirement System (FERS), Public • Residual Benefit Rider 9,10 Employees Retirement System (PERS) or other similar government - sponsored programs. These retirement • Future Purchase Option Rider (with a special programs include a disability benefit that is separate from statement to the effect that part or all of the FPO may any group long term disability (LTD) plan that may not be exercisable) be available. • Catastrophic Benefit Rider 11 The Standard’s IDI benefit amounts for all insurable • 3 percent Indexed Cost of Living Rider government employees are determined by treating Limitations FERS, PERS and similar retirement disability benefits the same as a group LTD plan. • Maximum age to qualify for coverage: 55 • Maximum years of government employee service to If LTD is available in addition to FERS, PERS or other qualify for coverage: 10 similar benefits, please contact your underwriter at 10 The Standard. • Coverage must be all base with no SSI • Premium discounts are not available to government Federal Government Employees employees. Assume FERS disability coverage of 40% of salary to a maximum of $10,000. Entertainment Industry The underwriting of individuals working in the State, Local and Municipal Employees entertainment industry presents a variety of challenges These employees’ plans vary on the types of benefits for disability insurers. Stability of employment and offered. Please provide a copy of your benefits booklet. earnings may be difficult to establish. Success in the In lieu of a benefits booklet, underwriting will assume entertainment field may be dependent upon factors disability coverage of 60% to a maximum of $10,000, or that are beyond the control of the individual, such provide a copy of the benefits booklet. as changing public opinion, ratings and support of sponsors. Job skills required in the entertainment industry may not be readily transferable to The following guidelines should be used for all another industry. Federal, State, City and County employees Occupations in this industry do not qualify for the Business Owner Upgrade. Occupation Class Maximum Amount7 Many applicants employed in the entertainment industry 4P, 3P & 2P8 physicians $10,000 will be considered according to the guidelines on the all other 4P, 3P & 2P8 $5,000 following page. medical professionals Consideration is also subject to underwriting review of 5A, 4A & 3A $5,000 the two most recent years’ tax returns if the applicant is an employee, or three most recent years’ tax returns if 2A, A & B $2,000 the applicant is self - employed.

The maximum indemnity amounts shown below refer to maximum coverage in force or applied for with all companies.

8 Only available with Protector Platinum. 9 Partial Disability Rider in California (mandatory under state law). 10 Not available with Protector Platinum. 11 The Catastrophic Disability Beneft Rider beneft amount is available at a 1:1 ratio 7 This is the maximum issue and participation limit in force and applied for with all with the base coverage available. Not available in all states. Refer to the state- companies. specifc information charts. 9

Special Occupations (continued)

Eligibility Group I (Entertainment Industry ) Eligibility Group II (Entertainment Industry ) Occupation Class 3A Occupation Class 2A Maximum Monthly Beneﬁt $6,000 Maximum Monthly Beneﬁt $4,000

Minimum Waiting Period 90 days Minimum Waiting Period 90 days

Maximum Beneﬁt Period To Age 66/671 Maximum Beneﬁt Period 5 years

Optional Beneﬁts Noncan only Optional Beneﬁts Noncan only

Available To The Following Occupations Available To The Following Occupations: If Employed By A Studio Or Network: • Anchorman • Animator • Art Director (set, casting or photography ) • Announcer • Director (not self - employed) • Audio/Video Technician • Producer (not self - employed) • Choreographer • Cinematographer • Director (self - employed and under contract) • Film Editor • Lighting Designer • Location Manager • Manager • News Reporter (Not Foreign Correspondent) • Producer (self - employed and under contract ) • Program Assistant • Program Director • Radio Announcer • Recording Announcer • Recording/Sound Engineer • Screenwriter/Scriptwriter (self - employed and under contract) • Set Designer • Stage Manager • Supervisor of Costuming, Makeup, Sound Effects or Property.

1 To age 66 is not available with Protector Platinum. 10

Special Occupations (continued)

Eligibility Group III (Entertainment Industry ) Agriculture (Farm Herd/Acre Limits) Standard will offer the following benefit amounts to Agriculture owners based Occupation Class A on acreage or herd size.

Maximum Monthly Beneﬁt $2,000 250+ acres or herd size of 20 - 49 $1,400

Minimum Waiting Period 90 days 350+ acres or herd size of 50 - 74 $1,700

Maximum Beneﬁt Period 2 years 450+ acres or herd size of 75+ $2,200 Optional Beneﬁts Noncan only Insurance Producers Available To The Following Occupations: Occupation • Camera Operator (not aerial or stunt ) Class Requirements • Costume Designer 4A 1. CLU, and 2. At least three continuous years of experience in the • Disc Jockey (Minimum three years employment with industry and same station) 3. $60,000 earned income for each of the last two • Lighting Technician years or $50,000 earned income for each of the • Makeup Artist last three years (documentation required). OR • Projectionist 1. At least three continuous years of experience in the industry and Ineligible Occupations Include: 2. $75,000 earned income for each of the last three years (documentation required). • Actor, Actress • Boom Operator 3A 1. At least three continuous years of experience in the industry and • Comedian 2. $40,000 earned income for each of the last three • Dancer years (documentation required). • Foreign Correspondent 2A All others. Disability income plans are not offered to • Grip, Scenery Mover insurance agents in business for less than one full year. • Musician • Propman • Rigger • Screenwriter/Playwright (Self - employed, freelance, not under contract ) • Stage Hand 11

Special Occupations Section (continued)

Working in the Home/Residence Percentage of Time Working Additional Requirements and in Home/Res. Probable Underwriting 75% or less 1. Self - employed in home/residence for at least one year. 2. Minimum of one tax return with all supporting schedules documenting earned income in home offce. Underwriting: most will be underwritten without modifcations due solely to working in home/residence.

More Than 75% 1. Self - employed in home/residence for at least two years. 2. Requires two years’ home offce income documentation in the form of two income tax returns with all supporting schedules. Underwriting: Own occupation rider is not offered on the Protector+. Maximum beneft period will be two or fve years. (Please call your underwriter or Customer Management Specialist at The Standard.)

Please note:

W 2 employees are not restricted if working from their home or residence † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

12 Occupation Classifcations List

Academic Dean (see Education) Agriculture (Beekeeping, Dairy, Farm, Hatchery, Nursery, Accountant Orchard, Ranch, Vineyard, Winery, Greenhouse ) ACA Bookkeeper (see Bookkeeper ) Employee (year ‑ round, full ‑ time only ) B CPA 5A Foreman, Manager, Superintendent A Other accountant, with degree 4A Owner1 A Other accountant, no degree 3A Owner1, with two or more full ‑ time, year ‑ round workers 2A and $50,000+ earned income Account Executive (see Stockbroker ) Breeders A Actor, Actress NO Other NO Actuary Agronomist (see Scientist ) Fellow or MAAA 5A Air Conditioning, Heating, Ventilation Other actuarial designation 4A Administrative and/or sales only (see Sales) Without actuarial designation 3A Install, Repair, Service B Acupuncturist ** (not MD) (see Medical Services) Aircraft Mechanic (not flight testing) (see Aviation) Adjustor (see Claims Adjustor ) Airline Ground Crew (see Aviation) Administrative Assistant (see Office Workers) Airport Screener (see Aviation) Advertising Executive (see Executive, Artist, Sales, Office Workers) Air Traffic Controller (see Aviation) NO Aerobics/Exercise Instructor (see Sports) Alarm Install, Service B Aeronautical Engineer (No experimental flying) Allergist ** (see Medical Services) (see Engineer ) Amusements (see Sports) Aesthetician A Amusement Park/Theme Park Employee NO Agent/Producer Anesthesiologist ** (see Medical Services) (see Broker or Insurance Producer ) Anesthetist ** (not MD) working full ‑ time as Anesthetist (see Medical Services) 1 For those farmers with positive net income and three years’ tax returns showing proftable operations, up to 20 percent of Section 179 depreciation can be Animal Control Officer, Dog Catcher NO added to the income to allow for an additional beneft of up to $1,000 a Animator † month. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

13 Announcer † Auctioneer Antenna Erector, Maintenance NO Livestock A Antiques (also see Sales) Not Livestock 2A Buyer 3A Audiologist 3A Refnisher, Repairer, Restorer A Auditor (if CPA, see Accountant ) 3A Others 2A Certifed Internal Auditor 5A Apartment Manager (see Building Services) Author (if applicable, see Newspaper ) NO Appliance, TV, Video Automotive, RV, Trailer, Other vehicles - sales, service, Install, Service, with feld duties B lease, rental Bench duties only, no pickup, delivery or feld duties A Garage, Service Station, Paint/Body Shop, Car Wash, Parking Garage or Lot Appraiser, Assessor Owner, Cashier, Counterperson, no manual duties 2A Insurance, Art 3A Owner, manual duties A Merchandise A Manager A Real Estate (see Real Estate) Mechanic, Body Repair, Painter, Parking or B Arborist (see Tree Surgeon) Station Attendant, Tow Truck Archeologist (see Scientist) Parts Clerk A Architect 2 Washer, Detailer NO With degree, license, offce duties only 5A New Vehicle Dealership, Leasing Registered, not supervising construction 4A Executive, Owner or Manager, 4A ANN Supervising Construction (see Construction) $60,000+ income, offce duties only Landscape Architect (see Landscaping, Other Owner, Manager 3A Architectural Draftsman (see Draftsman) Parts Clerk, Counterperson A Armed Forces Personnel NO Salesperson 2A Armored Car Driver NO Parts Sales Guard (see Bank) New (see Sales) Art Director † Used (see Used Parts) Art Gallery Used Vehicle Sales, Vehicle Rental Agency Owner, Curator 3A Manager, Owner, supervisory duties, 2A with full ‑ time sales staff, $50,000+ income Dealer, Sales 2 Other Manager, Owner, Salesperson A Artist Other (see Garage, Service Station above) Animator † Aviation Commercial Artist, Illustrator, Graphic Designer, 3A Graphic Artist Civilian Others, including free - lance NO Air Traffc Controller, Crop Duster, Flying Instructor NO Art Restorer 2A Commercial Pilot, Crew, Flight Attendant NO Asbestos Worker NO Other (requiring FAA licensing to perform their duties) NO Asphalt Paver B Other (not flying): Assessor (see Appraiser) Airline Ground Crew, Baggage Handler B Athletics (see Sports) Airport Screener ††† B Attorney 5A Electronics Technician A Attorney 1, specializing in Real Estate 5A Mechanic B Military, any NO 1 Please see Temporary Changes section for more information on this occupation. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

14 Baggage Handler B Others 2A Bail Bondsman NO Boom Operator NO Bailiff NO Botanist (see Scientist ) Bakery Bowling Alley Manager, Cashier (see Sports) Baker, Foreman, Manager, Proprietor, Skilled Worker A Brewery Worker (see Liquor Industry ) Delivery (see Driver ) Bricklayer B Bank, Credit Union, Finance, Savings and Loan, Broker (also see Buyer ) Title and Escrow Bond, Investment, Securities, Stock (see Stockbroker ) Bookkeeper, Clerk, Teller $30,000+ 3A Commodity Broker, Floor Trader (see Stockbroker) Bookkeeper, Clerk, Teller under $30,000 2A Insurance (Casualty, Disability, Life, Property, Other Lines) Controller, Comptroller, Offcer, income $60,000+, 5A (see Insurance Producer in Special Occupations three years in same occupation, Section) Other Offcers 4A Mortgage (see Real Estate) Economist with PHD 5A Pawnbroker (see Pawn Shop) Other Economists 4A Real Estate (see Real Estate) Escrow Offcer, Loan Offcer, Manager, Searcher, 3A Building Inspector (see Real Estate) Title Abstractor Building Mover, Demolition Guard, carrying gun NO Foreman, Proprietor B Guard, others B Others NO BAG Investment Analyst 1, Investment Banker1 Building Services (see Stockbroker ) Mortgage Banker 1, other Offcer 4A Apartments Barber, (if working in home/residence†† ) A Manager, offce only, non ‑ resident, $50,000+ income 3A Bartender B Manager with maintenance duties B Beautician (if working in home/residence†† ) A Manager, others 2A Beekeeper (see Agriculture) Other Buildings Bellhop B Custodian, Janitor B Bicycle Repair Mechanic A Manager, offce duties only, $50,000+ income 3A Billboard Erector B Manager with maintenance duties B Billiards (see Sports) Manager, others 2A Biochemist (see Scientist ) Stationary Engineer B Biographer NO Bulldozer Operator B Biologist (see Scientist ) Burglar Alarm Install, Service B Blacksmith, non ‑ hazardous industry B Bus Driver (see Driver ) Blaster NO Business Machine Repair 2A Body Shop (see Automotive) Business Machine Sales (see Sales) Boilermaker (see Manufacturing) Bus Station Worker (see Transportation) Bond Trader (see Stockbroker ) Butcher, Meat Cutter (see Meat Cutting, Packing) Bookkeeper Earning $50,000+ 4A Earning $30,000+ 3A † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

15 Buyer (also see Broker ) Chimney Sweep NO Farm Produce, Grain, Poultry, Tobacco (with feld duties) 2A Chiropodist/Podiatrist ** (see Medical Services) Fur, Hide, Livestock, Pelt A Chiropractor B Merchandise (offce and travel) 3A Choreographer † Cab Driver NO Cinematographer † Cabinetmaker Civil Engineer (see Engineer ) no installation A Claims Adjustor with installation duties B Claims Examiner, offce duties 3A Cable Installer, Repair B Fire, Marine, and those with feld and/or inspection duties 2A Camera Operator † With feld duties 2A Cardiologist ** (see Medical Services) Other, offce only 3A Caretaker, Groundskeeper B Clergy Member 3A Carpenter B Clerk, (If applicable, see Office Worker ) Carpet, Rug Cleaner B Medical Records 2A Carpet Installer, Layer B Import/Export 2A Carpet Factory (see Manufacturing) Parts (see Automotive) A Car Sales (see Automotive) Postal (see Postal) A BUY Car Washer, Attendant NO Sales (see Sales) Cashier A Shipping, Receiving B Casino Stock B Dealer, Pit Boss, Waiter, Waitress and others working NO Clock, Watch gaming and/or others performing services or duties in a Repair, Assembly 2A casino Coach Executive, offce duties only (see Executive) Professional Sports (see Sports) Casino offce workers (see Office Workers) Non Professional (see Education) Caterer A Cocktail Waitress, Waiter, not casino B Cement, Concrete Finisher B Collection Agency Cemetery Manager, Caretaker, Worker (see Funeral Industry ) Inside offce duties only 2A Certified Nurses Aide (CNA) (see Nurse) With outside duties NO Certified Registered Nurse With repossession duties NO Anesthetist ** (CRNA) (see Medical Services) Comedian NO Chaplain 3A Commercial Artist (see Artist ) Chauffeur (see Driver ) Commodity Broker or Floor Trader (see Stockbroker ) Chef, Cook Composer NO Bar, Lounge, Tavern (see Liquor ) Hotel, Restaurant (see Restaurant ) Chemical Engineer (see Engineer ) Chemist, (see Scientist) Child Care (see Daycare Provider ) † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

16 Computer Science/IT Professional Estimator, offce duties only 3A Software Developer, Senior Software Engineer, Other, no duties at heights, on roof, risk of falling, etc. 2A Programmer Analyst, Information Technology Manager - Project Manager, Information Technology, Systems (If other than above, see specifc job/activity such as Engineer, Information Technology Consultant, Web Carpenter, Roofer, etc.) Developer, Business Analyst - IT, Software Architect, Foreman, Superintendent, Supervisor Database Administrator, Software Development Engineer, No manual duties 2A Information Technology Director, Software Development Manager, Information Technology Specialist, Network 20% or less manual duties A Engineer, System Administrator, Information Technology More than 20% manual duties B Architect, Network Administrator - IT, Senior Systems Analyst Inspector With Bachelor’s degree and income of $75K+ 5A Visual Only 2A Others earning less than $75K 4A Others B Earning less than $50K 3A Surveyor 2A Computer Repair Technician Consultant (see Appropriate Industry) Earning $50,000+ 3A Contractor 1 (Each must meet all requirements listed for each group) Earning less than $50,000 2A Group One 4A Concrete, Cement Finisher B Owner/operator of current business three years, offce Conductor (Music, Symphony, full ‑ time) 3A not in home/residence, full ‑ time offce staff, no manual duties, sales/administrative duties only, minimal on ‑ site Construction 1 inspection, no direct supervision of construction site work, COM Architect, Engineer (see Architect or Engineer ) employs full ‑ time workers or subcontractors year ‑ round, Contractor (see Contractor ) earned income $100,000 for each of last three years Draftsman (see Draftsman) Group Two 3A Owner/operator of current business three years, offce not in Equipment Operator, Fabricator, Installer, home/residence, full ‑ time offce staff, no manual duties, Maintenance, Service, and select others (such as mostly sales/administrative duties, some on ‑ site inspection, those installing, repairing, servicing, working in the no direct supervision of construction site work, employs following occupations, industries and/or with the following full ‑ time workers or subcontractors year ‑ round, earned materials) income $75,000 for each of last three years Air Hammer Operator, Blaster, Erector, Explosives NO Group Three 2A Handler, Steeplejack, Structural Iron Painter, Asbestos Owner/operator of stable, fnancially sound business, Worker, Flagger offce may be in home/residence, no manual duties, Bridge, Dam, Lock, Structural Iron/Steel, Subway, minimum 50% sales/administrative duties, maximum Tunnel: 50% on ‑ site inspection or supervision, employs Craneman, Foreman (supervising only ), Inspector B full ‑ time workers or subcontractors year ‑ round, earned income $50,000 for each of last three years Other worker NO Group Four Carpenter, Drywaller, Electrician, Painter (not more than B Working Contractor (see Construction or specifc trade two story ), Paperhanger, Pipeftter, Plumber, Roofer, industry ) Steamftter; Alarm System, Air Conditioning, Blind and Controller, Comptroller (see Bank) Window, Carpet, Floor, Forklift Driver, Heating, Sprinkler System, Tool and Die, Ventilation; Brick, Cement, Plaster, Convalescent Home (see Medical Services or Nurse) Sheet Metal, Stucco, Marble, Tile, Stone; Other Skilled Worker, Heavy Equipment Operator Pipeline Construction and Maintenance, Powerline (see Energy Industries)

1 Please see Temporary Changes section for more information on this occupation. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

17 Convenience Store Four ‑ year college degree, not working in home/residence 2A Employee A No college degree, not working in home/residence A Manager, Owner 2A Working in home/residence NO Cook, Chef Day ‑ Trader, trading own account (also see Stockbroker) NO Hotel, Restaurant (see Restaurant ) Deckhand (see Marine) NO Bar, Lounge, Tavern (see Liquor ) Decorator (see Interior Designer) 3A Copywriter, Advertising 3A Delivery Person (see Driver ) Coroner (see also Medical Services) Dental (see Medical Services) Corporate Executive (see Executive) Dentist ** (DDS or DMD) (see Medical Services) Corrections Officer NO Dermatologist ** (see Medical Services) Cosmetologist A Design (see Interior Designer) Counselor (see also Therapist) Detective NO Government Employee* Dialysis Technician** (see Medical Services) PhD or Sociologist 4A Diamond Cutter, Polisher, Sales (see Jewelry ) Masters Degree (MSW) 3A Dietitian Assistant A Bachelor Degree 2A Dietitian Social Worker (LCSW) 2A Registered, not preparing food 3A CON Other (not government employee) A Preparing food A Courier (see Driver ) Director †, Radio and TV Court Reporter 2A Disc Jockey†, Radio Crane Operator B Dishwasher (see Restaurant ) Credit Agency Dispatcher 2A Collector (see Collection Agency) Disposal Industry (see Sanitation) Inspector, Reporter 2A Distillery Worker (see Liquor Industry ) Manager, offce duties only 3A Diver, Diving Attendant (For pay or professional) NO Credit Manager, Analyst (see Office Worker) Dockworker Credit Union (see Bank) Checker, Foreman, Overseer B Crop Duster NO Longshoreman, Skilled Machinery Operator, Stevedore, NO other Curator (Museum, Art Gallery ) 3A Superintendent, Wharf Master A Custodian (see Building Services) Dog Catcher, Animal Control Offcer NO Customs Inspector Offcial B Dog Groomer, Handler, Kennel Operator, Trainer B (carry gun) NO Chauffeur NO Dairy Farm Worker (see Agriculture) Domestic Help, Butler, Cook, Gardner Maid, Valet NO Dairy products processing Door, Window Installer B Inspector, Superintendent, Tester 2A Draftsman Skilled Worker A 4 year degree and $50,000 4A Dancer NO Others 3A Daycare Provider Dredge Operator (see Marine Industry ) 1 Determine if employee has other disability insurance or disability retirement insurance. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

18 Dressmaker (not working in home/residence) A School Principal 4A Driver, Delivery Person Teacher of Academic Subjects, Counselors, Music, Voice 3A Heavy Equipment Operator B other non - athletics with PHD and 3 or more years in same occupation 4A Local and Route Sales Coach, Cooking, Dance, Driving, Industrial Arts, Physical A Bakery, Bus, Dry Cleaning, Courier, Express Mail*, Florist, B Education A Grocery Items, Mobile Canteen, Parcel Delivery, Tow Truck, Vending Machine Items, Liquor, Postal Service††† Teacher of music, art or academics, in home/residence, 2A full ‑ time only, salaried or self ‑ employed (no PHD) Armored Car, Cab, Limousine Service (full ‑ time), Valet NO Parking, Pizza, Newspaper, Taxi Teacher of music, art or academics, in home/residence, 3A full ‑ time only, salaried or self ‑ employed (with PHD) Long Distance and other Teacher, exercise, aerobics, martial arts, other Bus, Heavy Appliance B in home/residence NO Chauffeur, Explosives, Hazardous Materials, Logging NO Truck, Moving and Storage, Mining Truck, Private not in home/residence (see Sports) Chauffeur Electrical Appliance Repairs (see Appliance) Long Haul Truck Electrician Residential/Commercial A no load or unload duties B Electrical Technician B with load or unload duties NO Electrologist (not working in home/residence) B Garbage/Recycling (see Sanitation) Elevator Installation, Service B Driving School Embalmer (see Funeral Industry ) Administration and sales only 2A Embryologist ** (PhD or MD) (see Medical Services) DRE Instructor A Endocrinologist ** (see Medical Services) Dry Cleaner, Laundry Emergency Medical Technician** Driver, Delivery, other (see Sales or Driver ) (see Medical Services) Proprietor, Manager, Clerk, Seamstress, Alteration A Emergency Room Physician** (see Medical Services) Cleaner, Presser, Dryer B Energy Industries (Construction, Generation, Distribution, Discovery ) Drug Store (see Sales or Pharmacist ) Electric and/or Nuclear Drywall Installer, Taper B Powerhouse, Substations: Economist (see Bank) Direct Control Operator, Electrician, Inspector, Tester, B Editor Transformer Operator, Wireman, Other Skilled Worker Film† Foreman, Generator and Turbine Tender, Stationary A Print (Newspaper, Magazine) 3A Engineer Education1 (also††† ) Meter Inspector/Reader A College, Graduate School, University Remote Control Switchboard Operator, Superintendent 2A Academic Dean, Department Head 5A Power Line Construction, Maintenance: Teacher of Academic Subjects, Counselors, Music, 3A Installer (not structural steel worker ) B Voice other non - athletics Foreman, Groundsman, Inspector A with PHD and 3 or more years in same occupation 4A Linesman NO Coach, Dance Instructor A Transmission Tower Erection, other NO Student, some professions only (see Students and New Professionals in Special Occupations Section) Elementary through High School School Superintendent 5A † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

19 Oil and Natural Gas (Drilling, Production, Pipeline) Group Three 5A Onshore: Three years in same occupation. Document earned income of $60,000 for the last two years. Five or more Operator or Producer (offce only ) 3A full ‑ time, year ‑ round employees in the frm. Superintendent, Manager, Geologist 2A Executive Recruiter (see Human Resources) Meter Inspector/Reader A Exercise Instructor (see Sports) Blacksmith, Craneman, Foreman, Driller, Inspector, B Explosives Handler NO Motorman, Pumpman, Stationary or other Engineer, Exporter, Importer, Clerk 2A Tool Pusher, Trench Machine Operator Other NO Admin/Sales 3A Offshore NO Express Mail Delivery (see Driver ) Refineries (see Manufacturing) Exterminator, Fumigator B Engineer Eyeglasses (see Optical Services) Professional degree, less than 30% feld and lab duties 5A Factory Worker (see Manufacturing) Professional degree, with 30-50% feld and lab duties 4A Family Practice or Family Medicine** (MD) (see Medical Services) Professional degree, with more than 50% feld and lab 3A Farmer (see Agriculture) duties Recording or Sound Engineer Farrier (Horseshoer ) B Engraver 2A Fashion Designer 3A Fashion Model NO ENE Escrow Officer (see Bank) Esthetician A Federal Marshall NO Estimator Fence Installer B Offce duties only 3A Ferryboat Captain, Deckhand (see Marine Industry ) Other, no duties at heights, on roofs, risk of falling, etc 2A Film Developer, Processor A † Other than above (see specifc job/activity such as Film Editor carpenter, roofer, etc.) Financial Services (if applicable, see Stockbroker, Etcher 2A Insurance Producer or Accountant ) Event Planner No Manual Duties 3A Fire Alarm Install, Service B Others B Firefighter Executive 1 Municipal, State, Federal NO Group One 3A Private Industry B Document earned income of $30,000+ for the last two Volunteer (if no rescue work, rate for years. regular occupation) Group Two 4A Fire Marshall††† A Document earned income of $50,000+ for the last two Fish and Game Warden (see Park Services) years. Five or more full ‑ time, year ‑ round employees in the frm. Fisherman NO Fish Hatchery, private, not governmental (see Agriculture) Fish Processing Plant Foreman, Manager, Superintendent (supervising only ) 2A 1 Managerial, administrative, policy‑making employee of a well‑established company. Occupation not classifed elsewhere in this guide. All must meet the Process Worker, Skilled Worker B following requirements plus any listed for a group: Fish Processing Ship NO • No manual duties. Fitness Instructor, Trainer (see Sports) • Duties are in an offce, administrative and managerial only. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

20 Flight Attendant NO Geneticist ** (MD) (see Medical Services) Flight Instructor NO Geologist (see Scientist ) Floor Finisher, Sander B Glazier B Floor Trader, Stocks, Bonds, Commodities Goldsmith (see Jewelry ) (see Stockbroker ) Golf Course Manager (see Sports) Florist Golf Instructor, not touring pro (see Sports) Floral Arranger, Designer, no delivery 2A Government Employee††† Driver, delivery (see Driver ) (rate for regular occupation) Retail duties only 2A Graphic Designer (see Artist ) Greenhouse (see Agriculture) Greenskeeper (see Landscaping or Sports) Foreign Correspondent NO Grocery Store (see Sales) Forest Ranger (see Park Services) Groundskeeper (see Landscaping or Sports) Foster Home Care, working in home/residence NO Guidance Counselor (see Counselor or Education) Fumigator (see Exterminator ) Guide Funeral Industry, Cemetery Fishing, Hunting NO Cemetery Manager, offce only 3A Museum 2A Cemetery Worker, Caretaker B Tour, Travel (within USA, not international) A Embalming, Monument or Stone Cutter A Gunsmith A FLI Funeral Director, Mortician (no embalming) 3A Gynecologist ** (see Medical Services) Furnace Installation, Service B Hairdresser, Hairstylist (if working in A †† Furniture home/residence ) Harbor Master (see Marine Industry ) Designer 3A Hearing Aid Technician 2A Mover NO Heating, Air Conditioning, Ventilation Restorer, Upholster A Administrative and/or sales only (see Sales) Sales (see Sales) Install, repair, service or removal B Gambling, Gaming Industry (see Casino) Hedge Fund Manager NO Game Warden (see Park Services) Helicopter Mechanic (see Aviation) Garage Helicopter Pilot NO Automotive or other vehicle sales or service (see Automotive) Hematologist *** (see Medical Services) Parking Garage (see Automotive) Hod Carrier B Garbage Horse Training, Shoeing B Collector/Recycler (see Sanitation) Hospital Administrator (see Medical Services) Driver (see Sanitation ) Hospital Orderly, Aide, Attendant (see Medical Services) Other NO Hotel, (3 Star+ Establishement) Gardener (see Landscaping) Bellhop, Cleaner, Housekeeper, Porter B Gas Station Attendant B Clerk A Gastroenterologist ** (see Medical Services) Manager, offce only, non ‑ resident, $50,000+ earned 4A income Gem Cutter, Polisher (see Jewelry ) $30,000+ earned income 3A General Practitioner ** (MD) (see Medical Services) † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

21 Manager, others 2A Jockey NO Managers with maintenance duties B Journalist (see Newspaper ) Motel Managers 2A Judge (Elected Judges††† ) 5A Managers with maintenance duties B Judo Instructor or other Martial Arts NO Human Resources or Personnel Manager or Recruiter 3A Junk, Used Parts Dealer (see Used Parts) $50,000+ earned income 4A Karate Instructor or other Martial Arts NO HR Executive (see Executive), Offce Worker (see Office Kennel Operator B Worker) Key Maker A Hypnotherapist, Hypnotist, not working in home/residence 2A Kidney Dialysis Technician** (see Medical) Illustrator (see Artist ) (if Animator † ) Labor Union Official 3A Immigration Official* Labor Union Organizer 2A Immunologist ** (see Medical Services) Landscaping Importer (see Exporter) Architect, accredited, not supervising construction 4A Incinerator Plant (see Sanitation) Others 3A Industrial Engineer (see Engineer ) Gardener, Greenskeeper, Groundskeeper, Laborer, B Inhalation Therapist (see Therapist) Landscaper, Lawn Service Insurance Adjustor (see Claims Adjustor ) Owner, supervising only 2A Insurance Underwriter, offce only 4A Working Owner, with three or more full ‑ time, year ‑ round A HOT employees Insurance Producer (Life, Disability, P&C or other lines) (see Insurance Producer in Special Occupations Section) Other Owner B Interior Decorator 2A Laundry Worker (see Dry Cleaner or Medical Services) Interior Designer 3A Law Enforcement NO Window Dresser 2A Lawn Service (see Landscaping) Curtain/Drape Installer A Lawyer1 5A Internist ** (MD) (see Medical Services) Leasing, Rental Company (see Rental or Leasing) Interpreter Legal Aid $50,000+ earned income 4A For Hearing Impaired 2A $30,000+ earned income 3A Language Translator 3A Others 2A Investigator (Private), Detective NO Legal Stenographer 2A Investment Analyst, Broker, Consultant (see Stockbroker ) Legal Transcriber 2A Investor, trading own account NO Library Jailer NO Librarian 4A Janitor (see Building Services) Librarian Assistant, others 2A Jewelry Life Coach 3A Gem/Diamond Cutter, Goldsmith, Polisher, Silversmith A Lighting Designer †, Technician Inside Sales (see Sales) Limousine Service Jewelry Repair 2A Driver, full ‑ time (see Driver ) Owner, Manager 2A Offce worker, Owner (not driving) 2A Lineman, Electrical NO 1 Please see Temporary Changes section for more information on Telephone B this occupation. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

22 Liquor Industry Location Manager † Distribution and Wholesale Sales Locksmith A Delivery, Driver (see Driver ) Logging, Lumber and Related Occupations Warehouseman B Lumberyard or Mill Distributor, Representative, Sales, no delivery A Boomman, Dogger, Driver, Log Setter, Slipman NO Manager, Proprietor, offce only 3A Foreman, Inspector A Superintendent, Supervisor 2A Grader, Loader, Machine Setter, Marker, Saw Filer, B Manufacture (Brewery, Distillery, Winery ) Sawyer, Scaler, Tallyman, Other Skilled Worker In Woods or Transporting to Mill Brewmaster, Examiner, Inspector, Superintendent, 2A Winemaker Blaster, Bucker, Choker Setter, Driver, Faller, High NO Collector, Cooker, Distiller, Foreman, Labeler, Packer, A Climber Sales, Stillman, Yeastmaker Boommaster, Head Rigger, Heavy Equipment Operator, B Laborer NO Overseer Foreman, Inspector, Machine Shop Worker A Manager, offce only 3A Clerk, Contractor, Scaler, Tallyman, B Other Skilled Worker B Timber Cruiser, Surveyor Regulation: Offcer †††, Public Worker, Regulator Not in Woods (see specifc job/activity ) Contractor, Proprietor, Superintendent 2A Retail Sales Longshoreman, Stevedore (see Dockworker ) Liquor Sales Primary (Tavern, Bar, Lounge): Machine Shop, Machinist, Machine Operator, Skilled A LIQ Proprietor, Manager, Bartender B Worker Other Proprietor, All other workers NO Mail Carrier (see Postal Services) Cashier, Chef, Cook (highest grade only ) A Mail Clerk, Sorter (not U.S. Postal Service) B Bartender, Waiter, Waitress, Other Cook, Chef B Makeup Artist† Manager, Proprietor (not tending bar ) A Management Consultant (see appropriate industry) Manager, Proprietor (tending bar ) B Manicurist A Retail Store Owner A Manufacturing Other Worker NO Assembler, Boilermaker, Carpenter, Craneman, Electrician, B Literary Agent 3A Fireman, Glazer, Grinder, Molder, Receiving Clerk, Lithographer (see Printing) Shipping, Welder Chemist (see Scientist ) Livestock Cleaner, Laborer, Sweeper, Unskilled Worker, Yardman B Horseshoer (Farrier ) B Designer 3A Stockyard Employee: Draftsman (see Draftsman) Auctioneer, Buyer, Inspector, Weigher, Breeder A Executive (see Executive) Commission Broker, Dealer, Sales, Superintendent 2A Foreman (supervision only ), Inspector, Lab Technician, 2A Cowboy, Shearer, Yardman, Other NO Manager, Timekeeper, Superintendent, Supervisor Shipper B Machinist, Skilled Machine Operator, Working Foreman A Veterinarian (see Veterinarian) Professional Engineer (see Engineer ) Loan Officer (see Bank) Lobbyist, Offce and Consulting 3A † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

23 Marine Industry Allergist ** 4P Harbor Master * (government employee) Anesthesiologist ** (MD) 3P, 2P*** Land or Harbor (returning ashore daily, not government Anesthetist/CRNA 3P employee) (not MD, certifed, working full time as anesthetist )** Bar Pilot, Dredge Offcer, Ferry Boat Captain, Harbor A Cardiologist ** 4P Pilot, River Pilot Chiropractor B Dredge Crewman, Dredge Operator, Lightship Service B Coroner ** (MD) 4P Operator Coroner ** (not MD) 4A Barges, Ocean Going Ships, Tugs, Others not returning NO to shore daily Dermatologist ** 4P Crewmen, Deckhand, Lightship Service, Merchant NO Dialysis Technician** 2A Seaman, Offcer or Crew, Seaman, Wrecking/Salvage, Embryologist ** (MD or PhD) 4P Other Emergency Medical Technician** A Marina Emergency Room Physician** 3P Offce Only 2A Endocrinologist ** 4P Others A Family Medicine or Family Practitioner ** (MD or DO) Manager, Owner A Gastroenterologist ** Other Skilled Worker B General Practitioner ** (MD or DO) Geneticist ** (MD or PhD) Market Research Analyst, offce only 3A Gynecologist ** 3P $50,000+ earned income 4A MAR Hematologist ** 4P $30,000+ earned income 3A Hospitalist ** Others 2A Immunologist ** Internist ** Martial Arts Instructor or other in Martial Arts NO Kidney Dialysis Technician** 2A Marshall, Federal or other NO Medical Assistant in medical offce ** Mason, Bricklayer B Medical Clerk Massage Therapist Medical Records Clerk Medical Lab Technician ** Licensed Massage Therapist (Owner, Operator, income A Medical Lab Worker ** $30,000+) Medical Transcriptionist Licensed Massage Therapist employed by above B Midwife (see Nurse) Other NO Naturopathic Physician ** 3P Meat Cutting, Butchering, Packing Neonatologist ** (MD) 4P Foreman, Manager, Superintendent 2A Nephrologist ** 1 4P Butcher, Dressing Operations, Meat Cutter, Packer, Shipping B Neurologist ** 1 Clerk, Skilled Process Worker Neuro ‑ Otologist ** 1 Inspector A Nuclear Medicine** (MD) 4P Mechanic B Nurse, various types (see Nurse) Mechanical Engineer (see Engineer ) Obstetrician** 3P Medical Services Occupational Medicine** (MD or DO) 4P Oncologist ** General Ophthalmologist ** 4P Acupuncturist ** (MD) 4P Optician (see Optical Services) Acupuncturist (not MD)** 2A, 2P*** Orthopedist ** 3P 1 3P Surgeon if performing surgery. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

24 Osteopath** 4P Dietitian Assistant, Dietitian (preparing food) A Otolaryngologist ** (ear ‑ nose ‑ throat ) 3P Medical Records Clerk, Medical Secretary 2A Otologist ** 3P Nurse or Nurses Aide, various types (see Nurse) Otologist (not MD)** 3A MRI, Ultrasound and X ‑ Ray Technician: Pain Management ** 3P Four year degree 3A Paramedic** A Two year degree 2A Para-medical examiner** (MD) 4P Dental Para-medical examiner ** (not MD) 2A, 2P*** Dentist (non - specialty)** or Oral Surgeon**: Pathologist ** 4P DDS or DMD, eligible for Own Occ** 3P Pathologist Assistant** 3A MD or DO, eligible for Own Occ** 3P Pediatrician** 4P DDS or DMD plus MD or DO, eligible for Own Occ** 3P Perfusionist ** 3P Dentist Specialties** (DDS or DMD) eligible for Own Occ: Phlebotomist ** 2A, 2P*** Endodontist** 4P Physiatrist/Physical Medicine/ Rehabilitation**(MD or DO) 4P Exodontist** Orthodontist** Physician Assistant ** (licensed) 3A, 4P*** Pedodontist** Plastic Surgeon** 3P Surgeon Periodontist** Prosthodontist** Podiatrist **/Chiropodist ** 3A, 2P*** other Dentist Specialties Proctologist ** 3P Dental Lab Owner 3A MED Professional Medical Technologist ** (Bachelor’s Degree) 3A Dental Hygienist ** 2A, 2P*** Professional Medical Technologist, ** others 2A Dental Lab Technician 2A Psychiatrist 4P Dental Lab Worker Pulmonologist ** Medical Records Clerk Radiologist ** Oral Hygienist ** Rheumatologist ** Dental Assistant A Surgeon** (board certifed) 3P Surgeon Merchant Seaman NO Surgical Assistant ** 3A Meteorologist (if on ‑ air † ) Surgical Technician** 2A Field and offce work 2A Thoracic Surgeon** 3P Surgeon Offce duties only 3A Therapist, not MD (see Therapist) Microphone Boom Operator † NO Urologist ** 3P Midwife (see Nurse) Hospital: Assisted Care, Convalescent, Nursing or Military Personnel NO Retirement Home Mining Industry Administrator, offce only, income $60,000+ 5A Underground Mines Other administrator, offce only 4A Assayer, Manager, Metallurgist, Superintendent, Attendant, Chef, Cook, Kitchen, Laundry worker, Nurse’s B Surveyor: Aide, Orderly Not going underground 2A Dietitian (registered, not preparing food), Manager, 3A Superintendent (administrative only ) Underground no more than six hours per week B Chemist (see Scientist) Explosives handler, other, or underground more than six NO hours per week † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

25 Professional Engineer (see Engineer ) Neonatologist ** (see Medical Services) Open Pit, Other Surface Operations Nephrologist ** (see Medical Services) Assayer, Chemist, Manager, Metallurgist, Superintendent: Neurologist ** (see Medical Services) Offce only 3A Neuro ‑ Otologist ** (see Medical Services) Outside duties 2A Newspaper, Radio, TV Industry † Explosives Handler, Other NO (see Printing, also ) Advertising, Business or Circulation Manager, Editor, 3A Foreman, Clerk, Weigher A Rewriter, Copywriter Professional Engineer (see Engineer ) Correspondent, Journalist, Newscaster, salaried 2A Surveyor 2A Photographer, Proofreader, Reporter Heavy Equipment Operator B Freelance Photographer (see Photography) Truck Driver (see Driver ) Driver, Delivery (see Driver ) Minister 3A Editor - in Chief, Publisher Model, Photographic, Fashion NO Urban 4A Monument Worker, Stone Cutter (see Funeral Industry ) Others 3A Mortgage Banker (see Bank) Foreign Correspondent NO Mortgage Broker (see Real Estate) Other † Mortgage Clerk (see Bank) Nuclear Medicine** (MD) (see Medical Services) MIN Mortician (see Funeral Industry ) Nuclear Power Plant (see Energy Industries) Motel Manager, Clerk (see Hotel) Nurse 1 Motivational Speaker NO Certified Nurse’s Aide (CNA), Nurse’s Aide, Orderly B Moving and Storage Company, Warehouse Licensed (RNs, LPNs and LVNs) Checker, Foreman (not handling) 2A Licensed Practical/Vocational Nurse (LPN or LVN) ** A Checker (handling) A Nursing Director ** (RN), Nursing 2A, 2P*** Instructor ** (RN), Registered Driver NO Nurse** (RN) Packer, Other NO Home Health Nurse (RN)** NO Security Guard, carrying gun NO Masters Degree Certified RN Nursing Specialties Security Guard, other B Nurse Practitioner ** 3A, 4P*** Munitions Handler NO Clinical Nurse Specialist ** 3P Musical Instrument Repair 2A Health Care Administrator ** Musician Nurse Administrator/Nurse Manager ** (see Office Workers, Executives, or Nurse according Symphony Conductor, full ‑ time 3A to duties) Teacher, full ‑ time, in home or residence (see Education) Certifed Registered Nurse Anesthetist ** 3P Other NO (CRNA) working full ‑ time as Anesthetist RN, not working as “floor” nurse or providing primary Nanny NO patient care Natural Gas Industry Workers (see Energy Industries) Midwife** Naturopathic Physician (see Medical Services) RN, employed by hospital or other medical facility 2A, 2P*** Navigator (Marine, Airline) NO Not RN NO Nurseryman (see Agriculture)

1 Not working in home/residence or a home health care environment. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

26 Nursing Home (see Medical Services or Nurse) Parking Lot, Garage (see Automotive) Obstetrician** (see Medical Services) Park Services††† Occupational Therapist (see Therapist) Administrative Workers (see Office Workers) Office Machine Repair 2A Park/Forest Ranger 2A Office Worker or Offce Manager (flying or carrying a gun) NO Superintendent/Game Warden, offce duties only 3A Earning more than $50,000 4A Superintendent/Game Warden, with feld duties B Earning more than $30,000 3A (flying or carrying a gun) NO Others 2A Others or with maintenance duties B Oil and Natural Gas Workers (see Energy Industries) Parole Officer NO Oncologist ** (see Medical Services) Parts Clerk A Operator (Telephone, Switchboard) 2A Pastor 3A Ophthalmologist ** (see Medical Services) Pathologist ** (see Medical Services) Optical Services, Eyeglasses Pawn Shop, Owner A Optician, with all duties 2A Other Worker B Optician, dispensing only 3A Pediatrician** (see Medical Services) Shopworker, grinding, other A Pedodontist ** (see Medical Services) Optometrist 5A Perfusionist ** (see Medical Services) Oral Hygienist ** (see Medical Services) Periodontist ** (see Medical Services) NUR Oral Surgeon** (see Medical Services) Personal Trainer (see Sports) Orderly Hospital, nursing, retirement or convalescent Personnel/Human Resources Manager, Recruiter (see facility (see Medical Services) Human Resources) Orthodontist ** (see Medical Services) Pest Control (see Exterminator ) Orthopedist ** (see Medical Services) Pet Groomer, Handler, Kennel Operator, Trainer (see Dog Orthotics, Prosthetics Groomer or Kennel Operator) Builder, Repairer A Pharmaceutical Representative, Detailer (see Sales) Orthotist, Prosthetist, consulting, ftting, sales 3A Pharmacist 5A Osteopath** (see Medical Services) Pharmacy Technician 2A Otolaryngologist ** ear ‑ nose ‑ throat (see Medical Services) Phlebotomist ** (see Medical Services) Otologist ** (MD) (see Medical Services) Photoengraver 2A Otologist (not MD) (see Medical Services) Photographer Painter, in shop or not more than two story height B Commercial, Salaried Newspaper, Studio, Wedding 2A Paperhanger B Freelance, minimum three years in business B Paralegal Aerial NO Certifed, income $30,000+ 3A Physiatrist **(MD) (see Medical Services) Certifed, income $50,000+ 4A Physical Medicine/Rehabilitation or Physiatrist ** (MD or DO) (see Medical Services) Other 2A Physician** (MD or DO) (see Medical Services) Paramedic** A Physician Assistant ** (licensed) (see Medical Services) Physicist (see Scientist ) † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

27 Physiologist (see Scientist ) Professor (see Education) Physiotherapist (see Therapist) Program Assistant† Piano Tuner, Technician 2A Program Director † Picture Framer 2A Projectionist† Pilot, commercial (see Aviation) NO Property Manager Pipefitter B Maintenance or repair duties B Pit Boss, (see Casino) NO Offce only, $50,000 + earned income 3A Plasterer B Other, offce only 2A Plastic Surgeon** (see Medical Services) Propman† NO Plumber B Prosthetist, Orthotist (see Orthotics) Podiatrist/Chiropodist ** (see Medical Services) Prosthodontist ** (see Medical Services) Police Officer, Inspector, Chief, Detective NO Psychiatrist (MD) (see Medical Services) Porter B Psychologist (see also Counselor) Postal Service††† PhD 4A Administrative Duties, Supervisor 2A Other 3A Counter Clerk A Psychotherapist (see Counselor) Driver, Rural Delivery (see Driver ) Publicity Agent† PHY Postmaster 3A Publisher, Publishing (see Printing) Sorter B Pulmonologist ** (see Medical Services) Powerhouse Worker (see Energy Industries) Purchasing Agent 3A Preacher 3A Quarry Worker (see Mining Industry ‑ Open Pit, Other Priest 3A Surface Operations) Quartermaster NO Principal (see Education) Rabbi 3A Prison Warden NO Radio†, TV Announcer Private Detective, Investigator NO Radiologist ** (see Medical Services) Printing, Publishing Radio Repair A If Newspaper (see Newspaper) Radio Station, Manager or Other (see Newspaper ) Blueprint Maker, Bookbinder, Foreman, Photostatter 2A Railroad Worker NO Editor, Proofreader, Publisher 3A Rancher (see Agriculture) Lithography, Photoengraving, Printing: Ranger, Park Superintendent (see Park Services) Artist (see Artist) Real Estate Computer or Offce Machine Operator, Engraver, Etcher, 2A Finisher, Lithographer, Photographer, Printer, Proofer, Agent 1, Appraiser 1, Mortgage Broker 1 Stripper In business continuously for last three years, 3A Compositor, Electrotyper, Jobber, Linotype Operator, A documented earned income $75,000+ each of last Maintenance Mechanic, Press Operator, Router, three years Typesetter Not meeting above requirements 2A Probation Officer NO Developer NO Proctologist ** (see Medical Services) Attorney specializing in Real Estate (see Attorney)1 Producer † 1 Please see Temporary Changes section for more information on this occupation. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

28 Inspector, Home or Building Other (see Liquor ) Visual Only 2A Retail Sales (see Sales) Other B Retirement Home (see Medical Services or Nurse) Escrow Officer, Mortgage Banker, Searcher, Title Revenue Agent * (see Bank) Abstractor Rheumatologist ** (see Medical Services) Receiving/Shipping Clerk (see Clerk or specifc industry ) Roofer B Receptionist (see Office Worker) Rug, Carpet Cleaner B Recording Engineer † Sales, Retail and Wholesale Recording Production† (If applicable, instead see Advertising, Automotive Trailer Recruiter, Personnel, Human Resources Manager (see or RV Sales, Broker, Buyer, Insurance, Liquor Industry, Producer, Real Estate, Stockbroker ) Human Resources) Inside Recycling Industry (see Sanitation) Manager, Owner (offce, supervision, administrative Reducing Salon only ): Attendant, other B With full ‑ time sales staff, minimum three years in 4A Manager, offce/supervision A management/ownership position, income $75,000+ Referee, Umpire (see Sports) NO With full ‑ time sales staff, minimum three years in 3A management/ownership position, income $50,000+ Refinery Worker (see Manufacturing) Other Manager, Owner (offce, supervision only ) 2A Rehabilitation/Physical Medicine or Physiatrist ** (MD Salesperson, income $75,000+ 3A or DO) (see Medical Services) REA Rehabilitation Therapist (see Therapist) Salesperson, income $85,000+ for last three years 4A Rental and Leasing Salesperson, Manager, Owner (with sales duties, no 2A delivery, income $40,000+) Owner, Offce Worker, offce only 2A Other Manager, Owner, Salesperson (sales duties, A Other, lightweight articles only A no delivery ) Other, heavy articles and/or Service, Repair B Other Manager, Owner, Salesperson (delivering) (see Other NO Driver ) Reporter (Magazine, Newspaper, TV) (see Newspaper ) Telemarketer, full ‑ time, not working in A home/residence Respiratory Therapist (see Therapist) Outside Restaurant Delivering (see Driver ) Busboy, Checkroom Attendant, Dishwasher B No delivery A Chef, $50,000+ income 2A No delivery, income $50,000+ 2A Chef, less than $50,000 income A No delivery, income $75,000+ 3A Cook (best grade) A No delivery, income $85,000+ for last three years 4A Cook, other B Home demonstration sales NO Bartender B Sander, Floor B Owner, Manager Sanitation, Disposal and Incinerator Plant, Garbage, Offce and supervisory only, 15+ employees, $75,000+ 3A Landfll, Recycling income Chemist (see Scientist ) Best quality, 10+ employees, in business three or more 2A years, $50,000+ income Collector, Other B Other Owner, Proprietor, Manager, Cashier A Foreman, Inspector, Scrap/Salvage Metal Dealer, A without yard duties Waiter, Waitress B Maintenance, Mechanic, Skilled Worker B † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

29 Trucker (see Driver ) Social Worker (also see Counselor) Septic Installer B Masters Degree (MSW) 3A Septic Cleaner NO Other 2A Savings and Loan (see Bank) Sound Mixer †, Technician Scenery Mover †, Stage Hand, Grip NO Speech Therapist (see Therapist) Scenic Artist† (see Artist) Sports, Amusements, Amusement Park, NO Scientist, Anthropologist, archeologist, astronomers, Arcade All employees, Athletics bacteriologist, biochemist, biologist, botanist, chemist, Aerobics, Athletics, Exercise geologist, geophysicist, pharmacological, physicists, Professional: zoologists Athlete, Coach, Manager, Owner, Referee, Trainer, NO Minimum of Bachelor's degree, offce and 5A Umpire laboratory duties only Non Professional: Field duties 4A Aerobics/Exercise Instructor, full ‑ time at health club B School District Superintendent (see Education) Coach (see Education) School Teacher (see Education) Personal Trainer, full ‑ time at health club B Scrap Metal Dealer (see Sanitation) Martial Arts NO Screenwriter † Billiards, Bowling, Pool Hall Script Supervisor † Manager, Cashier A Scriptwriter † SAN Driving Range, Exercise Club, Golf, Health Spa, Sculptor NO Racket, Tennis Seamstress not working in home/residence A Greenskeeper, Groundskeeper B Secretary (see Offce Worker) Manager, offce administrative duties only 3A Securities Industry (see Stockbroker ) Manager, Other 2A Security Guard Resident Pro (not on tour ), Instructor, full ‑ time A Not carrying frearm B Racing – Horse, Dog Other NO Manager, no riding A Service Station Attendant (see Automotive) Jockey, Trainer, Other NO † Set Designer Sprinkler/Irrigation System Installer B Sheet Metal Worker B Stable Worker NO Sheriff NO Stage Hand† NO Ship Captain, Crew (see Marine Industry ) Stage Manager † Shipping/Receiving Clerk (see Clerk or specifc industry ) Steamfitter B Shoe Repair Owner, Other Worker B Steeplejack NO Sign Painter, not over two story height B Stenographer 2A Silversmith (see Jewelry ) Stevedore, Longshoreman (see Dockworker ) Singer NO Stock Clerk (see Clerk or Sales or specifc industry ) Small Appliance Repair (see Appliance) Stockyard (see Livestock)

1 Must work at their primary occupation on behalf of clients 30 hours or more per week. Provide three years’ income documentation. Any income earned by trading their own account is considered as unearned income. If 4A or 3A and self ‑ employed, they are not eligible for The Own Occupation Beneft Rider. 2 Please see Temporary Changes section for more information on this occupation. † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

30 Stockbroker1, 2, Account Executive1, 2, Investment/ Therapist, not MD (see also Counselor) 1, 2 1, 2 Financial Consultant , Broker or Analyst , Floor Inhalation, Kinesiotherapsit, Occupational, Physical, 1, 2 Trader Physiotherapist, Rehabilitation, Respiratory, Speech 1 Commodity Broker , Day Trader, Investor, NO Masters Degree 4A trading only own account Bachelors degree 3A Floor Trader or Commodity Broker (with floor trading NO duties) Associates Degree 2A Hedge Fund Manager, Venture Capitalist NO Physical Therapy Assistant A Not Floor Trader, not Commodity Broker 3A Thoracic Surgeon** (see Medical Services) Not Floor Trader, not Commodity Broker, documented 4A Tile Setter B income $75,000+ last three years and minimum three Title Abstractor, Searcher (see Bank) continuous years in business Tool and Die Worker B Storage (see Moving and Storage) Tow Truck Driver (see Automotive) Street Cleaner NO Trainer, Sports (see Sports) Stucco Worker B Translator (see Interpreter and Translator) Student (some professions only ) Transportation Industry (also†††) (see also specifc Studio Engineer †, Technician industry such as Marine Industry, Aviation Industry) † Stuntperson NO Air, Bus, Rail, Ship Surgical Technician (see Medical Services) Corporate Offcer (see Executive) Surveyor 2A Driver, Trucker (see Driver ) STO Swimming Pool Installations, Service B Stations, Terminals Switchboard Operator 2A Baggage Handler B Tailor 2A Inspector, Stationary Engineer, Ticket Agent A Tattoo Business NO Manager, offce duties 3A Taxidermist A Superintendent 2A Taxi Driver NO Telegrapher A Teacher (see Education) Trash Collector (see Sanitation ) †† Technical Writer 3A Travel Agent 3A Technician (Surgical**, Dialysis**, Medical Lab**) 2A Tree Surgeon, Pruner, Trimmer B Telemarketer (see Sales) Trucking Industry, Driver (see Driver ) Telephone Answering Service 2A Tugboat Captain, Mate, Deckhand (see Marine Industry ) Telephone Typesetter, Typist 2A Inspector, Installer, Mechanic, Tester, Technician A Ultrasound Technician (see Medical Services) Lineman, Cable Splicer B Umpire, Referee NO Telephone Operator 2A Underwriter, Insurance, offce only 4A † Television , Radio Announcer Upholsterer A Television, Video Repair (see Appliance) Urologist ** (see Medical Services) † Television Producer , Director Used Parts, Junk Television Station Manager or Other (see Newspaper ) Manager, Proprietor, primarily offce duties only B Teller (see Bank) Yard Worker, Other NO Tennis Instructor (see Sports) Usher NO † See Entertainment Industry in Special Occupation Section. * Please contact your underwriter or Customer Management Specialist at The Standard. †† See Working in the Home/Residence in Special Occupation Section. ** Blood profle and home offce specimen required for any amount, except with Simplifed Underwriting. ††† See Government Employees in Special Occupation Section. ***Only available with Protector Platinum.

31 Varnisher B Vending Machine Route, Delivery (see Driver ) Venture Capitalist NO Veterinarian Large animals 4A Small animals 5A Veterinarian Technician 2A Video Machine Repair (see Appliance) Vineyard Worker, Owner (see Agriculture) Vocalist NO Waiter, Waitress B Warehouse (see Moving and Storage) Watch, Clock Repair, Assembly 2A Watchman (see Security Guard) Waterworks Employees Chemist (see Scientist ) Filterman, Foreman, Outside Superintendent, Meter A Installer, Meter Reader, Pumpman VAR Meter Inspector, Plant Foreman, Tester 2A Plant Supervisor 3A Welder, not structural steel B Welfare Worker NO Well Driller, not offshore (see also Energy Industries) B Wholesaler (see Sales) Window, Door Installer B Window Washer NO Winery (see Agriculture or Liquor Industry ) Writer NO X ‑ Ray Inspector, Repair, Tester 2A Zoologist (see Scientist )