Why don't we rate for most occupations anymore?

When the underwriting research team told me test pilots, deep-sea divers and offshore rig workers could now be accepted at standard rates, I had to check my calendar to make sure it wasn't the first of April. But this really is a good news story about improvements in health and safety at work. A handful of jobs are still risky - if your occupation involves travel to a dangerous part of the world, or putting your head into a lion's mouth on a regular basis, your life cover might be rated. But most other jobs, including those traditionally thought to be highly dangerous, are no longer a ri...