Life Insurance for Electricians

Protecting Your Future with the Right Cover

Working as an electrician comes with unique risks. From working at heights, dealing with live wires, or operating in unpredictable environments, the physical demands of the job mean having the right life insurance in place is especially important.

At Covermate Life, we’re a life insurance broker – we don’t work for the insurers, we work for you. We provide general advice only and help electricians compare policies from a range of leading Australian life insurers.

Why Electricians Need Life Insurance

High-risk work – Accidents on site, electrical hazards, and injuries are more common than in office-based roles.
Family protection – Ensure your loved ones are financially secure if something happens to you.
Debt and mortgages – Cover ongoing financial commitments such as loans, business expenses, or a mortgage.
Income protection – Safeguard your income if you are unable to work due to illness or injury.

Types of Life Insurance for Electricians

When considering life insurance, electricians often look at a mix of different cover options:

Life Cover (Death Benefit). Pays a lump sum to your beneficiaries if you pass away or are diagnosed with a terminal illness.
Total and Permanent Disability (TPD) Insurance. Provides a lump sum if you are unable to ever work again due to permanent disability.
Trauma Insurance. Covers specific serious illnesses and medical conditions such as heart attack, stroke, or cancer.
Income Protection Insurance. Provides a monthly benefit (usually up to 70% of your income) if you are temporarily unable to work due to illness or injury.

How Much Cover Do Electricians Need?

There’s no one-size-fits-all answer. The right amount of cover depends on:

Your age and stage of life
Whether you have dependents
Your level of debt and ongoing financial commitments
Whether you’re self-employed or employed

At Covermate Life, we help you compare policies so you can make an informed decision about the right level of cover for your circumstances.

Why Choose a Broker Like Covermate Life?

We compare multiple insurers, saving you time.
We explain options in plain language – no jargon.
We understand the risks electricians face.
We provide general advice only, helping you narrow down the choices.

FAQs – Life Insurance for Electricians

1. Is life insurance more expensive for electricians?
Electricians are often considered a higher-risk occupation, so premiums can be slightly higher compared to low-risk jobs. However, each insurer assesses risk differently, so shopping around through a broker is essential.

2. Can self-employed electricians get life insurance?
Yes. Whether you’re running your own business or contracting, cover is available. Income protection is especially important for self-employed electricians.

3. Does my super already include life insurance?
Most super funds include some default cover, but it may not be enough to meet your needs. It’s worth reviewing your superannuation insurance alongside stand-alone policies.

4. Do I need income protection as well as life insurance?
Income protection is highly recommended for electricians as it provides ongoing payments if you’re unable to work, which can help cover everyday expenses while you recover.

5. How do I apply for life insurance as an electrician?
The process usually involves a health questionnaire and occupation details. Some insurers may request medical checks depending on the level of cover.

Next Steps

At Covermate Life, we’ll guide you through the options and help you compare policies tailored for electricians.

General Advice Only

The information on this page is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on this information, consider whether it is appropriate for you. We recommend seeking personal advice before making any decisions about life insurance.