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Income Protection Insurance

  • Covers up to 75% of your income
  • Benefits paid for up to five years
  • No medicals

Enjoy great deals and savings at over 100 retailers with Suncorp Benefits

Help maintain your lifestyle

If you were too sick or injured to work, paying bills may become tricky. Income protection could help cover your expenses and keep your life on track, thanks to regular monthly payments.

Why Suncorp Income Protection?

Easy claims process
If you need to make a claim, a dedicated claims manager will make the process as stress-free as possible

Extra support if you’re out of action
Receive a Recovery Support Benefit for up to two months if you’re confined to bed

No premium payments during a claim period
We’ll waive your premiums if you’re receiving a monthly benefit

Quick and easy to apply
Apply over the phone with no medical tests

We’ve been helping Australians since 1833
We pay over one million dollars in accident, illness or injury claims every day

Features & Benefits


Cover amount per month


Up to $10,000 a month or 75% of income*

Increases yearly in line with inflation

*75% of the average of the last 12 months’ pay at time of claim

Waiting Period

Waiting Period Infographic

Claim waiting period (time off work before claim payable)


Your choice of a 14, 28, 60 or 90 day waiting period after you’ve lodged a claim

See how it works

Benefit period


Receive benefit payments for up to 60 months – you choose

When benefit is paid


Benefits build up from the end of the waiting period (after a successful claim has been made)
and are then paid monthly in arrears

Assistance returning to work


Partial benefits are paid to supplement reduced earning capacity, to assist your return to work on claim benefit periods of 24 and 60 months

Recovery Support Benefit


If you’re confined to bed, you may receive extra financial support for the first two months of the claim period. This could help cover expenses for childcare, nursing care, housekeeping, travel to medical appointments and more.

*NEW* Cover for pre-existing medical and mental health conditions


Subject to meeting health assessment criteria

Multi-policy discount


5% off premiums if you’re an existing Suncorp Insurance customer

*OPTIONAL* Accidental Injury Benefit


Backdates benefits to the start of your 14 or 28-day claim waiting period (your claim date)

What's Not Covered?

It’s important to know what you’re not covered for, if you become sick or injured as a result of certain events, such as:

Dangerous sports and occupations

Back pain for claims of less than 90 days duration

Please note, if you receive other sources of income, such as disability benefits, the maximum 75% of income benefit payable will be adjusted accordingly.

If you are going through hardship and are unable to meet your premium payments, please call us to discuss the options that may be available to you.

Like to know more?

Take a read of the  Suncorp Income Protection Product Disclosure Statement (PDS).

Need to talk?

Our friendly team of insurance specialists at our Australian based call centre can answer all your questions. Alternatively, if you feel your financial requirements are more complex and you require financial advice, you can turn to your Financial Planner for help in assessing your risk and working out the cover that could meet your needs.

Call Us

Quotes and Sales

Monday to Friday 8am to 6pm AEST


Claims and Customer Service

Monday to Friday 8am to 8pm AEST


Send us an email and one of our Consultants will respond to your enquiry

Waiting Period

Waiting Period Infographic

Information is current as at 23 March 2020 and may be subject to change from time to time without notice.

Suncorp Income Protection products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the Suncorp brand under license. TAL companies are not part of the Suncorp Group. TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover and manage, administer and settle claims on behalf of the insurer as if it were the insurer.

Redundancy Benefit issued on or before 31st March 2020 was offered by AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI) trading as AAMI which is part of the Suncorp Group. New Redundancy Benefit policies and renewals offered from 1st April 2020 will be issued by Asteron Life and Superannuation Limited, ABN 87 073 979 530, AFSL 229880 (Asteron). Suncorp Group is a distributor of products issued by Asteron and TAL Life. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Insurance product you must read the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) or call 1800 257 717. The PDS and FSG contain important information which will help you understand the product, including what's covered and what's not covered and to help you decide whether it is appropriate for you and whether to use any of the services offered. Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). 

Asteron and TAL Life support and adhere to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit

The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator’s privacy policy.