Who We Are

A partner in life's journey

We're more than an insurance provider. We're dedicated to reshaping the way Australians experience insurance empowering individuals, couples, families, business owners and health care practitioners with tailored cover and trusted guidance.

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Covered Life is an Australian owned personal insurance provider helping individuals, young professionals, first home buyers, couples, families, business owners, medical and healthcare professionals protect their health, income and lifestyle with affordable Life, Total and Permanent Disability, Income Protection, Critical Illness and Business Insurance.

With an unwavering commitment to service excellence, we work with Australia's leading insurers to find competitive rates and flexible cover that suits your needs and budget, whether you're purchasing your first policy or reviewing your existing cover. We are committed to making insurance easy to understand, so you can make confident decisions about protecting the people and future you care about.

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What we stand for

  • Expertise you can trust a single point of contact to guide you through your options.

  • Claims support we advocate for you at claim time, not just at sale time.

  • Personalised policies cover built around your life, reviewed as it changes.

  • A wide range of products personal and business insurance, all in one place.

Close-up of a young woman with long wavy brown hair, wearing a black blazer and white top, looking directly at the camera with a subtle smile.

“Most Australians insure their car and their home without a second thought, yet leave their single greatest asset their ability to earn an income, completely unprotected.”

Natasha Carlson, Managing Director, Covered Life

Natasha Carlson, Managing Director, Covered Life
Who we work with

The people we look after.

From first home buyers to practice owners, cover is built around the work you do and the people who depend on you.

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    Young & Established Families

    Protect your children's future, education and household stability.

  • Outline of a house with a large arched door, four windows, and a balcony on the upper level.

    First Home Buyers

    New mortgage, new risk. Cover the loan you have just taken on.

  • Placeholder image of a user profile icon, represented by a simple outline of a person with a circle for a head and curved lines for shoulders.

    Singles & Young Professionals

    Safeguard your lifestyle and future financial goals.

  • Outline of a person with a face mask and a medical mask icon in a circle.

    Seniors & Retirees

    Protect your partner, clear debts and leave a legacy.

  • Minimalist outline of a man wearing a formal suit and tie.

    Corporate Executives

    Cover large mortgages, family expenses and wealth strategies.

  • Icon of a small store with a person in front of it, representing a retail or small business.

    Self-Employed & Business Owners

    Secure your business and personal finances against the unexpected.

  • Medical icon with a person, a medical cross, and a clipboard

    Healthcare Professionals

    Occupation-specific cover for clinicians and allied health.

  • Illustration of a healthcare professional with a stethoscope and a tooth with a medical cross.

    Dentists & Dental Practices

    Needlestick, own-occupation TPD and ADAWA member pricing.

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    Trades & Manual Workers

    Protect your income against accidents or injuries on site.

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    Mining & Resources

    FIFO rosters and high-risk sites need cover written for the work.

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    Accountants & Finance

    Protect the professional income your qualifications took years to build.

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    Engineers & Technical

    Cover structured around specialist skills and project-based income.

How it works

Three steps, no paperwork headaches.

  • 01

    Tell us about your situation

    A short phone call, at a time that suits you. No appointments, no paperwork, no jargon.

  • 02

    We compare the market for you

    We look across Australia's leading insurers and structure cover around your actual circumstances.

  • 03

    We stay with you at claim time

    The part most people never think about. We advocate for you when it matters most.

Ready when you are

Ready to talk about your cover?

Speak to our specialists today for a free, no-obligation quote.

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Get A Quote
Talk to us
Talk to us