As a teacher of English as a foreign language (TEFL) in Denmark, I have been enquiring about additional life insurance through a British broker and was rejected outright by Zurich Life even before they had asked any health-related questions - no question even of loading the premium.
The company classifies teaching as a high-risk occupation and no amount of cowardly backtracking on my partby trying to pass myself off as a trainer instead, on the basis that I work with adults, would convince them.
In contrast, my husband, who does scientific fieldwork all over Europe including Iceland and Greenland, was very welcome as a customer.
As in other matters such as global warming and ozone loss, perhaps we should heed the insurance companies' unhyped assessments. What really galls me, though, is that I've never had such stress-free teaching as I do here in Denmark.
Ramtenvej 54, Nimtofte