Life insurance for 30 occupations across Australia

Builders carry a lot of risk, physically on site and financially with business loans, equipment, and staff to pay.

Power tools, heights, heavy lifting, carpentry is physically demanding and carries real daily risks.

Working with live electricity, heights, and confined spaces every day, sparkies face real risks.

Mechanics work around heavy machinery, chemicals, and high-temperature components every day.

Plumbers deal with confined spaces, heavy materials, and hazardous environments every day.

Long hours on the road, fatigue, loading injuries, and time away from family, truck drivers face real risks daily.

Warehouse workers face daily physical risks, heavy lifting, forklifts, falling stock, and the physical toll of manual labour.

Mining pays well, but the physical risks are real, underground hazards, dust exposure, heavy machinery, and the FIFO lifestyle takes a toll.

Doctors face occupational risks including exposure to infectious diseases, long working hours, and the mental health toll of high-pressure medical decisions.

Nurses deal with infectious disease exposure, physical strain from patient handling, and the toll of shift work, on top of the usual family financial commitments.

Paramedics see the worst of it, traumatic incidents, infectious disease exposure, physical injuries, and the mental health toll that comes with the job.

Pharmacists carry the responsibility of dispensing accuracy, often have significant education debt, and many own their pharmacy with substantial business commitments.

Physiotherapists rely on their body to earn a living, particularly their hands and back.

Dentists often carry significant debt from practice setup, equipment finance, and education, on top of the usual family commitments.

Psychologists understand mental health but often neglect their own financial wellbeing.

Accountants understand numbers better than most, and the numbers on what happens to a family financially without adequate cover can be sobering.

Whether you're office-based or out on sites, engineers often have significant financial commitments, mortgages, young families, sometimes business debt.

Financial planners understand the importance of insurance better than most, yet many don't have adequate personal cover.

IT professionals often have significant financial commitments, mortgages, young families, education costs, and the sedentary lifestyle and stress of the industry can take a health toll.

Lawyers carry significant financial obligations, HECS debt, mortgage, possibly partnership buy-in, and the profession is known for its toll on mental health.

Real estate agents often have variable income, significant personal debt, and family obligations.

Teaching comes with burnout, constant illness exposure (especially in early childhood), and the stress of managing classrooms and workloads.

Long hours on your feet, burns, knife injuries, and the mental toll of a high-pressure kitchen, chefs face real occupational hazards daily.

Childcare workers are exposed to constant illness, physical strain from lifting children, and the emotional demands of caring for other people's kids.

Hairdressers rely on their hands to earn a living, repetitive strain, chemical exposure, and the physical toll of standing all day are real concerns.

Personal trainers rely on their body to earn a living, an injury that stops you from training clients stops your income.

Pilots carry elevated aviation risk and face fatigue from irregular schedules and time zone changes.

Police officers face real physical danger, mental health challenges, and the toll of shift work.

Firefighters put themselves in harm's way, fires, chemical exposure, structural collapses, and the mental toll of rescues.

Farming is one of the most dangerous occupations in Australia, heavy machinery, livestock, chemicals, and remote locations.