A hazardous occupation exclusion limits or denies benefits when death or disability arises from specified high-risk jobs. It appears more commonly in accidental-death or disability contracts thanin traditional life policies, where carriers prefer pricing through ratings or flat extras. Whereused, the clause clearly defines excluded duties to avoid ambiguity. Advisors weigh exclusions against the client's actual role before recommending coverage.

When exclusions apply, advisors document job duties and confirm that essential tasks are not barred.If necessary, they seek alternatives without exclusions or negotiate ratings instead.