for good reason, I think, because if eventually every service or product came with a contract which prevented consumers from filing a lawsuit or
class action if, say, for instance, the product or service caused injury or death, like a car with braking system flaws, or a child's toy that causes cancer, etc, then we'd live in a world where corporations could shove
whatever they wanted down our throats, cause injuries and death, and we could do nothing about it, because we «agreed to a contract» by using their product or service in the first place (and in this scenario there would be no alternatives, so you either
risk using products that could kill you, or you go live in a cave or something).
Depending on the company, the Occupational
Classes range from 6A to
Class 1A (with various nuances) to even
Class N or B or 2 or
whatever other letter or number that particular insurer decided to use to denote uninsurable
risks.
With my feet firmly planted in impaired
risk life insurance, the you and me's who can't lay claim to perfect health, it is rare when I send someone life insurance quotes at preferred plus, preferred elite, preferred best or
whatever clever name insurance companies want to call their very best rate
class.