Life Insurance for Personal Trainers
Understand Your Cover — Stay Protected While You Help Others Stay Fit
As a personal trainer, your health and energy are your greatest assets. Whether you work in a gym, outdoors, or run your own fitness business, your ability to work directly impacts your income.
At Covermate Life, we help you understand what your life insurance and related cover actually include — and make sure it still fits your lifestyle, business, and goals.
We don’t provide personal financial advice; instead, we explain your current policy clearly, so you can make confident, informed decisions about your protection.
Why Life Insurance Matters for Personal Trainers
If an illness, injury, or health event stops you from training clients, your income could be affected almost immediately.
Life insurance and related covers can help protect your income, your family, and your business if the unexpected happens.
Here are the main types of cover personal trainers often hold:
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Life Cover – Pays a lump sum to your family or estate if you pass away or are diagnosed with a terminal illness.
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TPD (Total and Permanent Disability) Cover – Pays a lump sum if you are permanently unable to work due to disability.
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Income Protection Insurance – Replaces a portion of your income if you’re unable to work due to illness or injury.
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Trauma (Critical Illness) Cover – Provides a lump sum payment if you’re diagnosed with a specified serious condition like cancer, stroke, or heart attack.
Covermate Life helps you review your current policy and understand what each type of cover means for your circumstances.
Common Questions We Hear from Personal Trainers
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“I took out my insurance years ago — does it still cover my current income?”
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“What happens if my previous adviser is no longer around?”
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“Can I review my policy without replacing it?”
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“Does my job as a personal trainer affect my insurance?”
If you’ve ever asked yourself any of these, you’re not alone. Many trainers have policies they don’t fully understand — or haven’t reviewed since their business changed.
Our Simple 3-Step Process
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Policy Takeover: We take over the servicing rights of your existing policy.
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Policy Review: We go through what’s covered, what’s not, and what each benefit means.
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You Decide: You stay in control of what happens next — no pushy advice, no product switching.
We simply make your existing insurance easy to understand.
Why Personal Trainers Choose Covermate Life
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Clear, jargon-free explanations of your cover
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Simple takeover process from your current adviser
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No personal advice — just facts and transparency
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Tailored support for self-employed professionals
Your clients trust you with their health — trust us to make your life insurance simple.
Take Control of Your Cover
If you haven’t reviewed your life insurance in a while, it’s worth checking that your protection still suits your life today.
Get in touch with Covermate Life for a clear and simple policy review — no pressure, just information.
Frequently Asked Questions (FAQs)
Can personal trainers get life insurance in Australia?
Yes. Personal trainers can access life insurance, TPD, income protection, and trauma cover. Covermate Life helps you understand what you already have and how it applies to your work.
Does Covermate Life provide personal financial advice?
No. Covermate Life does not provide personal advice. We explain your existing policy so you can make informed decisions about your cover.
Why is life insurance important for personal trainers?
Because your ability to work is tied to your health. Life insurance and income protection provide financial security if you suffer illness, injury, or death.
Can I review my policy without cancelling it?
Yes. We can take over your existing policy and explain it to you. You stay in control and can choose whether to make changes or keep it as is.
What if my previous adviser no longer manages my policy?
If your adviser is no longer active, Covermate Life can take over servicing your policy so you still receive ongoing support.
Does exercise-related injury affect life insurance?
Most policies cover accidental or exercise-related injury, though some exclusions may apply for high-risk activities. We can help explain what your policy says.
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