Whether you’re a professional athlete, coach, personal trainer, or sports official, your career comes with unique rewards – and unique risks. Sports professionals often face higher physical demands and increased exposure to injury. This can make getting life insurance more complex, but with the right guidance, you can still secure protection for your future and your family.

 

At Covermate Life, we specialise as a life insurance broker helping Australians from all professions – including those in the sporting industry – compare policies and find cover that fits their lifestyle. We provide general advice only and work with multiple insurers to give you more options.

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Why Sports Professionals Need Life Insurance

• Financial protection for your family in case of unexpected death.

• Cover against injury or illness that could end your career early.

• Peace of mind that your sporting lifestyle doesn’t leave you exposed financially.

• Flexibility – policies tailored to your level of risk and type of sport.

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Challenges Sports Professionals Face with Life Insurance

Insurers will often assess the risks linked to your profession. Factors that may impact your application include:

• Type of sport (e.g., contact sports like rugby vs. non-contact sports like tennis)

• Frequency and level of competition (amateur, semi-professional, or professional)

• Travel requirements for competitions

• History of injuries or hospitalisations

• Whether you coach, officiate, or play at elite levels

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High-risk sports may result in higher premiums or exclusions for certain activities.

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What Types of Cover Are Available?

Sports professionals can usually access the same core insurance products as other applicants, though terms may differ:

• Life Cover – pays a lump sum to your beneficiaries if you pass away.

• TPD (Total & Permanent Disability) Cover – provides financial support if injury or illness permanently prevents you from working.

• Trauma Cover – pays out for major medical events (e.g., heart attack, stroke, cancer).

• Income Protection – replaces part of your income if you’re unable to work temporarily due to illness or injury.

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Income protection is particularly valuable for athletes and trainers, since physical health is central to earning an income.

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Tips for Getting Life Insurance as a Sports Professional

• Be upfront about your profession – full disclosure avoids issues with claims.

• Work with a broker – Covermate Life understands which insurers are more supportive of sporting careers.

• Prepare medical and injury history – insurers often ask about past injuries.

• Review your policy regularly – update cover as your career changes (e.g., retirement, transition to coaching).

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Why Choose Covermate Life?

• We compare policies from multiple insurers, not just one.

• Experience supporting Australians with unique professions.

• General advice only – empowering you to choose what suits you best.

• Support through application, medicals, and policy setup.

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FAQs – Life Insurance for Sports Professionals

Will my premiums be higher as an athlete?
It depends on the type of sport and your health. High-risk sports may have loadings, but some professions are assessed at standard rates.

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Can I get income protection as a sports professional?
Yes, but insurers may limit benefits or exclude pre-existing injuries. Covermate Life can help you compare options.

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Do I need a medical check?
Possibly. Some insurers require a medical exam or doctor’s report, especially if you’ve had multiple injuries.

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What if I stop competing professionally?
You may be able to review your policy and potentially lower premiums once your risk reduces.

Protect Your Sporting Future Today

At Covermate Life, we help sports professionals – from athletes to coaches – find suitable life insurance. Get expert guidance, compare leading insurers, and secure peace of mind for your future.

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Call us today or request a quote online to get started.

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