Income Protection Insurance

Cover available for up to 75% of your income (max $10,000 monthly) if you become sick or injured and unable to work, with no restrictions on how it's spent.

Receive this as a monthly payout. You choose what level of cover you might need, so it could be worth considering how much you may need to help cover your household costs and lifestyle (and don't forget the medical bills). 

Choose a one or two year benefit period

This is the maximum amount of time you will receive your benefit if you are injured or sick and unable to work.

Covered up to age 65

Provided your cover has not ceased earlier, we guarantee to insure you for the disability cover every year until your 65th birthday.

Easy claims process

A single experienced Claims Manager will make the process as stress free as possible. You’ll become eligible for your first monthly benefit after you complete your 30 day waiting period. Because benefits are paid monthly in arrears, you will receive your first payment after 60 days.

Don't pay premiums while you're on claim

We'll waive your premiums while you're receiving your monthly benefit. Also, if you are working the premiums you do pay could be tax-deductible, depending on your circumstances*.

_{* These comments are a guide only and do not take into account changes in taxation laws or your particular circumstances. Please ask your tax adviser or the Australian Taxation Office about your own circumstances.}

Easy and quick to apply

Do it all online or over the phone. No medical tests or doctors reports needed to apply. You just have to be aged between 18-60, working at least 20 hours a week and be an Australian or New Zealand citizen or permanent resident residing in Australia at the time of application.