Why does my occupation affect life insurance premiums?

Insurers assess the risk associated with different jobs. High-risk roles or those with physical danger, irregular hours, or high stress can lead to higher premiums or specific exclusions.

Can I get life insurance if I'm self-employed?

Yes. Self-employed clients can obtain life and income protection cover, but underwriting may consider business income documentation and stability when assessing eligibility and benefit amounts.

Are there occupation-specific policies for high-risk jobs?

Some insurers have products or specific underwriting pathways for higher-risk occupations. As a broker, Covermate Life compares multiple insurers to find options that best suit the job profile.

Should I hold cover inside or outside super?

Both have pros and cons. Inside super can be cheaper but may have limits on benefit types and ownership; outside super gives more flexibility. We can help you compare both approaches.

Life Insurance by Occupation | Covermate Life Insurance Broker

Life Insurance by Occupation in Australia

At Covermate Life, we understand that every occupation carries its own risks, responsibilities, and lifestyle demands. As a Life Insurance Broker, we work with multiple insurers — including AIA, MLC, TAL, Zurich, MetLife, OnePath and ClearView — to help find cover that suits your profession.

This page provides general advice only and is designed to help you understand some of the key factors insurers may consider when assessing different occupations.

Why Occupation Matters for Life Insurance

When applying for life insurance, your job can affect:

Premiums: Some higher-risk occupations may attract higher premiums.
Policy Terms: Insurers may add exclusions or special conditions.
Income Protection Eligibility: Certain jobs may have restrictions on benefit periods or waiting times.
Lifestyle Considerations: Long hours, stress, or physical demands can influence underwriting.

As a broker, we compare multiple insurers so you’re not limited to just one option.

Common Occupations We Assist

We regularly help professionals across a wide range of industries, including:

Medical Professionals: Doctors, nurses, dentists, specialists.
Legal Professionals: Lawyers, barristers, solicitors.
Accountants & Finance Professionals: Accountants, financial planners, auditors.
Trades & Construction: Builders, electricians, plumbers, carpenters.
IT & Technology Professionals: Software engineers, IT consultants.
Corporate & Executive Roles: Managers, executives, consultants.
Educators: Teachers, lecturers, academics.
Self-Employed & Small Business Owners.
Police & Emergency Service workers.
Mining Workers

How Covermate Life Can Help

Access to multiple insurers, not just one
Help understanding insurer differences around occupation-specific risks.
Transparent process with no obligation.