Simple. Smart. Secure.Insurance made easy, built around your life.
We're more than an insurance provider, we're a partner in life's journey, protecting families, lifestyles, incomes and businesses with care, expertise and certainty.
Proud Partner of The Australian Dental Association of Western Australia
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Proud Partner of The Australian Dental Association of Western Australia •
Who we areAn insurance partner, not just a provider.
We are dedicated to reshaping the way Australians experience insurance. With an unwavering commitment to service excellence, we empower individuals, couples, families and business owners with tailored cover and trusted guidance.
Everything is managed at your convenience, at a time that suits you. No complex appointments, no paperwork headaches, no technical definitions and no obligation.
Personal InsuranceProtection built around your income and your family.
If something happens to you, your family shouldn't have to worry about financial burdens.
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Life Insurance
A lump sum for your family to clear debts and maintain their lifestyle if you pass away.
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TPD Insurance
A lump sum if illness or injury leaves you permanently unable to work.
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Income Protection
Ongoing monthly income if sickness or injury stops you from working.
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Critical Illness
A lump sum on diagnosis of a serious condition like cancer, heart attack or stroke.
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Needlestick Cover
Protection for dentists, doctors and clinicians against occupational bloodborne exposure.
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.
are admitted and paid
are admitted and paid
and paid
Business InsuranceProtecting the business you've built.
Your business is one of your family's largest assets.
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01
Key Person Insurance
Protects your business from the financial loss of losing a vital team member. Covers recruitment, lost revenue and the gap while the business recovers.
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02
Business Succession
Funds a buy/sell agreement so ownership transfers smoothly if a partner dies or is disabled. Remaining owners keep control, the departing family gets fair value.
Who we helpInsurance isn't one size fits all.
We build cover around your lifestyle stage, career and the people who depend on you.
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Young & Established Families
Protect your children's future, education and household stability.
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First Home Buyers
New mortgage, new risk. Cover the loan you have just taken on.
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Singles & Young Professionals
Safeguard your lifestyle and future financial goals.
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Seniors & Retirees
Protect your partner, clear debts and leave a legacy.
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Corporate Executives
Cover large mortgages, family expenses and wealth strategies.
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Self-Employed & Business Owners
Secure your business and personal finances against the unexpected.
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Healthcare Professionals
Occupation-specific cover for clinicians and allied health.
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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 worksThree steps, no paperwork headaches.
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01
Tell us about your situation
A phone call, at a time that suits you. No complex appointments, no paperwork, no jargon.
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We compare the market for you
We look across Australia's leading insurers and structure cover around your actual circumstances.
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We stay with you at claim time
The part most people never think about. We advocate for you when it matters most.
“The underinsurance gap in Australia isn't a knowledge problem it's an access problem. We built Covered Life to close it, with a process that's fast, straightforward, and competitively priced.”
Natasha Carlson, Managing Director, Covered Life
Natasha Carlson, Managing Director, Covered LifeInsightsClear guidance, personalised service.
Ready when you areTake control of tomorrow, today.
Whether it's your first policy or a review of your existing cover, we're happy to help.