Life Insurance for Nurses in Australia

Nursing is one of the most vital professions in Australia — but it can also be demanding and carry unique risks. At Covermate Life, we work with multiple insurers (AIA, MLC, TAL, Zurich, MetLife, OnePath, ClearView) to help nurses find policies suited to their needs, career, and lifestyle.

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This page provides general advice only to highlight what nurses should consider when looking at life insurance.

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Why Nurses Need Life Insurance

Nurses often face challenges that insurers consider when assessing applications:

• Shift work and long hours that can increase stress and health risks.

• Exposure to illness or workplace hazards.

• Physical demands of lifting and caring for patients.

• Family responsibilities including mortgages, children, and household costs.

Life insurance ensures your family is financially protected if something happens to you.

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Types of Cover to Consider

• Life Insurance (Lump Sum): Provides a payout to your family in the event of death.

• TPD (Total & Permanent Disability): Protects you if illness or injury prevents you from returning to nursing or any occupation.

• Income Protection: Replaces a portion of your salary if you’re unable to work due to illness or injury.

• Trauma / Critical Illness Cover: A lump sum payment if diagnosed with a covered serious illness (e.g. cancer, stroke).

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Benefits of Using a Broker

Nurses often default to the cover included in superannuation, but this is usually limited. As a broker, Covermate Life can:

• Compare policies across multiple insurers.

• Advise on structuring cover inside and outside super.

• Highlight differences in waiting periods, exclusions, and benefits.

• Help tailor cover to your career stage and family needs.

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Next Steps

If you’re a nurse looking to review or compare your life insurance, contact our team today for a free discussion.

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Back to Life Insurance by Occupation

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FAQ 

Q: Do nurses pay higher premiums because of their work?
A: Nursing is sometimes viewed as higher-risk due to exposure to illness and physical strain, but most insurers still offer competitive premiums compared to other occupations.

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Q: Can casual or part-time nurses apply for life insurance?
A: Yes, both casual and part-time nurses are eligible. Income protection policies may require proof of income consistency.

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Q: Is superannuation cover enough for nurses?
A: Default super cover is often limited and may not match your financial obligations. A broker can help you calculate the right level of protection.

Q: Can nurses get income protection with shift work?
A: Yes, but insurers may adjust waiting periods or conditions depending on your hours and duties. A broker can compare policies to find the best fit.