FIFO Insurance Blog

FIFO Insurance
Guides & Advice

Plain-English insurance guides for Australian fly-in fly-out workers. Life cover, income protection, TPD, tax — everything you need to know, written for people who work in the dirt, not offices.

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FIFO
FIFO Insurance Guide · January 2026

The Complete FIFO Insurance Guide for 2026

Everything a fly-in fly-out worker needs to know about life insurance, TPD, income protection, and trauma cover — in plain English. If you only read one article, make it this one.

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Latest Articles
RISK
FIFO Insurance

Why Most FIFO Workers Are Dangerously Underinsured

The 4 most common ways FIFO workers end up with the wrong cover — and how to fix it before something goes wrong.

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IP
Income Protection

Income Protection vs Workers Compensation — What FIFO Workers Need to Know

Workers comp only covers on-the-job injuries. Here's where it falls short for FIFO workers and why IP fills the gap.

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HEALTH
Insurance Advice

Can You Get FIFO Insurance With a Pre-Existing Condition?

Back injuries, mental health history, diabetes — how pre-existing conditions affect your FIFO insurance application.

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NOW
Insurance Advice

Why Young FIFO Workers Should Get Life Insurance Now — Not Later

The cost of waiting 5 years to get covered is more than most young FIFO workers realise. Here's the maths.

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In-Depth Guides
Cover-Specific Guides
FIFO Life Insurance Guide
How much cover you need, which insurers cover hazardous roles, inside vs outside super.
Income Protection for FIFO Workers
Protect up to 75% of your site income. Waiting periods, benefit periods, tax deductions.
TPD Insurance for Miners
Own occupation vs any occupation — why the definition matters for physical site workers.
Insurance for Underground Miners
Premium loadings, occupation classifications, and which insurers cover underground work.
Oil & Gas Worker Insurance
Offshore and onshore oil & gas cover — platform workers, LNG, pipeline and drilling crews.
Is IP Tax Deductible for FIFO?
ATO rules on income protection deductions — what you can claim and what you can't.
FIFO Insurance Inside Super
The pros, cons and trade-offs of paying insurance premiums from your super balance.
Trauma Cover for FIFO Workers
Cancer, heart attack, stroke — how trauma insurance pays a lump sum when you need it most.
How Much FIFO Insurance Do I Need?
A practical framework for calculating the right life, TPD and IP cover for your situation.
Best FIFO Life Insurance 2026
What to look for, which insurers cover hazardous occupations, and how to compare properly.