Why is it important to ask an individual their occupation during a fact find?

Asking an individual about their occupation during a fact find is crucial because certain jobs carry specific risks that can affect health and insurance coverage. For instance, individuals in hazardous occupations may have a higher likelihood of injuries or illnesses, which can directly influence their health insurance needs and the associated premiums. Understanding the nature of their work allows insurance professionals to tailor coverage effectively, ensuring that clients have adequate protection considering the risks associated with their occupations.

While knowing income potential, eligibility for discounts, and identifying potential health issues are also relevant aspects of an individual’s profile, the primary concern here is the direct link between occupation and health-related risks. Understanding whether a job is hazardous helps in evaluating the right insurance products and coverage levels for the individual.