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Income Protection

Keep the money coming in.

If you can’t work due to sickness or injury, Income Protection replaces up to 70% of your salary. It’s not just insurance; it’s a salary safety net.

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Sick leave runs out.
The mortgage doesn’t.

Most Aussies have a few weeks of sick leave saved up. But if you’re off work for months (or years) recovering from an accident or illness, savings dry up fast.

Income Protection ensures your lifestyle doesn’t crash just because your health does. It pays you a monthly benefit so you can focus on getting better, not on how to pay the bills.

What it actually does

Pays a monthly wage: Up to 70% of your pre-tax income, paid monthly.
Covers the essentials: Keeps the mortgage paid, the lights on, and the fridge full.
Protects your credit: Ensures you don’t miss loan repayments while you recover.
Tax-Deductible: In most cases, the premiums you pay are 100% tax-deductible.

How it works

You don’t need a degree to understand this. It works like a substitute salary.

You get sick or injured.

You can’t work. Your doctor signs you off.

The Waiting Period.

You live off your savings or sick leave for a set time (usually 30, 60, or 90 days).

The Money Hits.

The insurer starts paying your monthly benefit.

You Recover.

You get paid until you are well enough to return to work, or until your benefit period ends (e.g., 2 years or age 65).

Life Insurance vs. Income Protection

People get these mixed up. Here is the difference:

Life Insurance

Pays a lump sum if you die. It’s for the people you leave behind.

Income Protection

Pays a monthly salary if you are sick or injured. It’s for you, while you are still here.

What we look for

Buying this off the shelf is risky. We check the fine print so you don’t get caught out. Here is what matters:

The Waiting Period

The Question: How long can you survive on savings? 30 days? 90 days? The Fix: A longer waiting period lowers your premium significantly. We help you find the sweet spot between “saving money” and “going broke.”

The Benefit Period

The Question: If you are permanently disabled, do you want to be paid for 2 years or until you turn 65? The Fix: Most cheap policies stop paying after 2 years. We generally recommend coverage to age 65 for long-term security.

Indemnity Value

The Reality: Modern policies are “Indemnity” based. This means you have to prove your income at the time of the claim. The Fix: We make sure you have the right documentation ready to go so there are no surprises when you claim.

Stepped vs. Level Premiums

The Choice: “Stepped” premiums start cheap but get expensive as you age. “Level” premiums start higher but stay consistent. The Fix: We calculate the long-term cost to see which one saves you money over the life of the policy.

We don't play favorites.

We aren't tied to a single provider. We make Australia’s top insurers compete for your business to ensure you get the right cover at the right price. Same big brands, just better advice.

Why use us?

We find the loopholes.

Insurers love exclusions (e.g., “we won’t cover that old back injury”). We fight to get you the cleanest definitions and the fairest terms.

We handle the claim

Proving income loss to an insurer involves a mountain of paperwork. If you need to claim, we manage the entire process, chasing the insurer to ensure your monthly payments start flowing ASAP.