Life Insurance by Occupation
Your occupation is one of several factors insurers consider when assessing life insurance. Find general information for your profession and compare indicative quotes from 9 major Australian insurers.
Compare All InsurersOccupation is one of the strongest factors insurers use to price and underwrite life cover. The pages below group common Australian roles into low, medium, and high risk bands so you can compare cover information for jobs similar to your own.
The bands are general guidance. Actual underwriting outcomes depend on your specific duties, work environment, and how the insurer categorises your role. The same job can be priced differently across the panel because each insurer maintains its own occupation classification table and loadings. Office-based professionals usually attract the lowest premiums and broadest cover, while emergency-services workers, miners, and high-altitude tradies typically face tighter underwriting.
The pages also explain how the occupation factor interacts with TPD definitions (own-occupation versus any-occupation) and with income protection structures. To see indicative pricing for your role, generate an indicative quote or book a call.
Professional & Office-Based Roles
These occupations generally involve lower workplace physical risk, which insurers take into account during their assessment.
Teachers
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Doctors
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Engineers
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Dentists
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Accountants
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Lawyers
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Physiotherapists
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Pharmacists
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Psychologists
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Real Estate Agents
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Financial Planners
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Hairdressers
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Childcare Workers
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IT Professionals
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Healthcare & Service Roles
These occupations involve moderate workplace risks, which insurers consider as part of their assessment.
Nurses
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Mechanics
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Chefs
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Personal Trainers
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Warehouse Workers
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Trades & Physical Labor
These occupations involve higher physical risks, which insurers factor into their assessment. Coverage is available across multiple providers.
Truck Drivers
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Electricians
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Carpenters
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Builders
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Paramedics
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Plumbers
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Police Officers
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Firefighters
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Pilots
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Miners
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Farmers
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