ADAWA PartnershipPersonal insurance built around the realities of dentistry
As ADAWA's preferred personal insurance partner, Covered Life protects the income, health and practices of Western Australia's dental professionals with cover that reflects the profession's real physical, mental and financial risks, not a generic superannuation policy template.
Preferential Pricing
off Life & TPD Premiums
WA
ADAWA's Preferred Insurance Partner
1:1
Dedicated Account Manager
Dentistry carries risks most policies don't account for
Every figure below comes from peer reviewed research or national regulator data the same numbers behind Covered Life's ADAWA partnership.
The risks that come with the job
Dentistry looks controlled sterile suites, steady hands, precise procedures. Behind that precision sits one of the more physically and psychologically demanding professions in Australian healthcare.
Fixed postures, fine-motor precision and constant pinch-grip place unusual cumulative load on the neck, shoulders, back, wrists and hands day after day, for an entire career.
Litigation fear, patient complaints and the pressure of running a small business make dentistry one of the more psychologically demanding healthcare professions.
Cover built around how dentists actually work
Policy structures built around own-occupation TPD, sized to your actual clinical duties and income rather than a generic superannuation default.
A dedicated Life Insurance Specialist who acts in your interests, not the insurer's, sourcing the most suitable policy at a competitive premium and ensuring you fully understand your cover.
Ongoing, tailored advice from graduate years through practice ownership and specialisation, with regular reviews as your circumstances change.
The cover that matters most to dentists
We work with some of Australia's leading insurers to find competitive rates and flexible cover suited to your career stage.
A lump sum for your family if you pass away covering the mortgage, practice debt and your children's future.
Own-occupation definitions for TPD that reflect the fine-motor, hands-on nature of clinical dental work.
Australian life insurance pays out and pays out often
But disputes are rising, particularly for TPD and income protection, as mental health and chronic condition claims become harder to assess. Industry data suggests that policies arranged with the assistance of an intermediary may be associated with better acceptance and lower dispute rates than policies purchased directly without assistance. Source: APRA/ASIC Life Insurance Claims and Disputes Statistics, 12 months to 31 December 2025.
Why it mattersCover pays out, and pays out often
Life insurance in Australia is closely regulated and the claims genuinely get paid. These are the most recent admitted claim rates published by APRA and ASIC.
professionals report a
musculoskeletal disorder
symptoms
admitted by Australian
insurers
What members getCover written around clinical work
-
The physical toll
Fixed postures, fine-motor precision and constant pinch-grip place unusual cumulative load on the neck, shoulders, back, wrists and hands day after day, for an entire career.
-
The mental load
Litigation fear, patient complaints and the pressure of running a small business make dentistry one of the more psychologically demanding healthcare professions.
-
The financial exposure
Practice owners carry a lease, equipment finance and staff wages alongside their own income risk an injury or illness becomes a business event, not just a personal one.
-
Life Insurance
A lump sum for your family if you pass away covering the mortgage, practice debt and your children's future.
-
TPD Insurance
Own-occupation definitions that reflect the fine-motor, hands-on nature of clinical dental work.
-
Income Protection
Ongoing income if injury or illness stops you practising sized to your real chairside income.
"We're honoured to partner with ADAWA and to support the dental professionals who look after so many Western Australians. We appreciate their commitment to their patients and the communities they serve, and we want to be a trusted resource for them and their families when it comes to understanding personal insurance."
Natasha Carlson, Managing Director, Covered Life
Natasha Carlson, Managing Director, Covered LifeCommon questionsAnswers, without the complications
-
As ADAWA's preferred personal insurance partner, we work exclusively with occupational risk data specific to dentistry — from graduate years through to practice ownership — so your cover reflects how dentists actually work, get injured and get sick.
-
"Any occupation" only pays out if you can't work in any job at all. "Own occupation" pays out if you can no longer work specifically as a dentist — the definition that actually reflects how a hands-on clinical career can end. We check which one your policy uses.
-
We review this specifically, since mental health is now the leading cause of TPD claims nationally. We'll check your policy's waiting periods, benefit caps and definitions for mental health conditions alongside physical illness.
-
Beyond personal income protection, owners should consider key person cover for associates, how practice debt and lease guarantees are covered, and a documented succession plan with any business partner.
-
Not always. Many policies use online health questionnaires; some may require a medical exam depending on your age, sum insured and health history.
-
Yes — many dentists hold some cover through superannuation. We'll walk you through the tax and ownership trade-offs between inside-super and outside-super cover for your situation.
-
You get a dedicated Claims Manager who works for you, not the insurer — building your case, managing the insurer relationship and keeping you updated in plain language throughout.
Still not sure? A short phone call usually clears it up faster than reading another page.
Book your free reviewA complimentary member review.
A no-obligation look at what you currently hold, where the gaps sit against your real occupational risk, and what ADAWA member pricing means for you.
Preferential ADAWA Member Pricing
Dedicated ADAWA Account Manager
Ready when you areReady to get started?
Speak to our specialists today for a free, no-obligation quote.