Improvements in occupational health and safety (OH&S) certainly do help to support the accessibility of life insurance products to a broader customer base.

While any OH&S improvements are positive, claims experience (or mortality and morbidity data) will always be the primary determining factor for an insurer when it comes to the availability and pricing of life insurance products for an occupation.

The adoption and use of OH&S initiatives should lead to improved claims experience, which then results in lower premiums.

In the Australian life insurance market, it would be very rare to refuse a person access to life insurance, let alone an accident only benefit, based on their occupation. Of course, per mille loadings or exclusions (for professional sportspeople such as motor racing) may be required. 

There will be instances where a more detailed underwriting consideration is warranted and further information is necessary. 

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