Life Insurance for Arborists
Life Insurance, Total & Permanent Disability, Trauma & Income Protection
What Type of Life Insurance Should an Arborist Have in Australia?
Arborists work in one of Australia's most physically demanding and hazardous professions. With daily exposure to heights, heavy machinery, and unpredictable outdoor conditions, having the right life insurance is essential for long-term protection and peace of mind.
Recommended Life Insurance for Arborists in Australia:
Term Life Insurance
Term life insurance provides a lump-sum payout to your beneficiaries if you pass away during the policy term. It's an affordable option that ensures your family is financially protected if the unexpected happens on the job.
Total and Permanent Disability (TPD) Insurance
TPD insurance covers you if you become permanently disabled and can no longer work as an arborist. This cover is vital due to the high-risk nature of tree work and the physical demands of the role.
Income Protection Insurance
If an injury or illness temporarily prevents you from working, income protection insurance provides up to 70% of your regular income, helping you stay financially stable during recovery.
Trauma Insurance
Also known as critical illness cover, trauma insurance pays a lump sum if you're diagnosed with a serious medical condition like cancer, stroke, or heart attack. This helps cover medical expenses and recovery costs.
Why It's Important:
Because arboriculture is classified as a high-risk occupation, some insurers may apply loadings or exclusions. That’s why it’s crucial to work with an insurance adviser who understands your industry and can source cover tailored to your needs.
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Protecting Arborists with Life Insurance That Works as Hard as You Do.
