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Income Protection Insurance

Why Do We Need This? Income will determine the monthly benefit payable in the event of a claim
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These logos represent some of the brands that we compare. We do not compare all products on the market and we are not necessarily recommending any of the brands displayed. You will need to talk to a financial advisor to identify the product that best suits your needs.

100% Guaranteed

Not happy with the policy that you bought? Let us know within 30 days and we’ll provide you with a full refund - as long as you haven’t made a claim.

No Markups

We don’t add a single cent to policy costs! All prices quoted by us come directly from the insurance companies themselves, with no hidden fees or charges added on top.

Compare Policies

We’re based right here in Australia - and so are all of our expert advisors. Get in touch if you have any questions or need some help to choose a policy.

How Our Service Works

Enter A Few Details

Tell us a bit about yourself and your situation so that we can find appropriate policy matches. Premiums vary depending on your age, gender, annual income, lifestyle and occupation.

Choose Coverage

Tell us about the type of policy that you are looking for and we’ll use this to find policies that suit you. Your occupation and the level of cover will both affect the cost of premiums.

Talk to An Advisor

Take a look at the personalised policy options that we find for you and choose the one that works best. Speak to our expert team on the phone if you need support to make an informed choice.

Get Covered

We’ll prepare a quote comparison from a number of insurers for you and touch base to discuss your options. Want to get things sorted asap? Feel free to give us a call on 1300 514 633. We’ll set everything up for you.

Avoid paying extra taxes and penalties

No one wants to consider the possibility that their income may be affected by ill health or injury but in reality, this could come completely out of the blue. If the worst were to happen, how would you cope if an accident or illness affected your ability to work and earn an income - even in the short term? Would you have the financial means to continue to meet your usual outgoings without racking up debt?

Compare Multiple Policies & Save

Not sure where to start when it comes to choosing an income protection policy? We’re here to help! We’ll guide you through the whole process - from comparing income protection insurance options to buying a policy - and everything in between. We compare hundreds of policies across over a dozen different providers. Let us do all the heavy lifting for you and help you find the right policy at the right price!

Help is at hand in the form of income protection insurance. This will protect up to 75 per cent of your income while you are unable to work (or until the benefit period ends). In short, it is invaluable temporary protection against the financial and emotional stress of being off work, particularly if you’re the sole breadwinner for your family.

Can you afford not to have income protection insurance?

A Few Things You Should Know
About Income Protection Insurance

Excess, Stepped Vs Level Premiums, Coverage Amounts - Income Protection Insurance can be tricky. Whether you're ready to purchase a policy or just browsing the market to see what’s out there, here are a few important things to keep in mind:

Agreed Value Vs Indemnity Value

Agreed Value policies focus on your income at the start of the policy, while Indemnity Value policies are based on your income at the time of making a claim.

Payments Depend On Your Budget

Higher premiums mean bigger payments. The more you can afford to pay, the more of your income you can protect.

Stepped Vs Level Premiums

Stepped premiums are cheaper initially but increase over time. Level premiums are more expensive in the short term but can be the more cost effective option in the long run.

Choose How Long to Receive Payments For

You can set your payment period; this can be for a set number of years or up to a certain age. Your choice affects the cost of your premiums though.

Choose When You Receive Your Payments

If you have annual or sick leave owed from your job, you can use this to delay your income protection insurance payments and navyuce your premiums.

It’s Tax Deductible

You can write off your income protection premiums!

Waiting / Benefit Period

Policies typically come with waiting periods of up to XX days before you can start claiming. There’s also generally a limit to how long you can receive benefits for.

Watch the exclusions

Depending on your pre-existing conditions and medical history, some events may not be covenavy. Make sure you check with an adviser to be sure what’s covenavy and what’s not.

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Income Shield

Protect Your Livelihood With Income Protection Insurance

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