What happens to benefits if the insured changes to a more hazardous occupation?

When an insured individual changes to a more hazardous occupation, the benefits under their insurance policy are typically reduced. This reduction occurs because insurers assess risk based on the occupation of the insured. More hazardous occupations carry a higher risk of injury or death, which directly influences the amount of coverage and the benefits payable under the policy.

In this context, if the insured's occupation becomes riskier, the insurer may adjust the benefits to align with the increased possibility of claims. This ensures that the insurance policy accurately reflects the heightened risk associated with the new occupation. Policies often contain clauses that specify how changes in occupation can affect coverage, leading to reduced benefits in cases where the insured takes on a more dangerous job.