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Income Insurance For Employees & Self Employed Australians

Income insurance can replace part of your earnings if illness or injury stops you working. For employees, contractors and the self-employed, understanding waiting periods and benefit periods can help you plan for bills and time away from work. Explore our income insurance articles, calculator and news ... or connect with an income protection broker from our Australia-wide referral partner network who can discuss your needs and compare available rates and options from multiple insurers.

  • Income Protection Basics
  • Household Income Needs
  • Cover for Self-Employed
  • Waiting Periods
  • Benefit Periods
  • Illness and Injury

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Income protection quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Why Income Protection?

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance Income insurance (also known as income protection) can provide monthly benefits to replace part of your income if you are unable to work due to illness or injury, subject to the policy terms, waiting period and benefit period. Death cover, total & permanent disability and major medical crisis cover are distinct types of cover that may be available separately or packaged with income protection.

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Competitive Rates

Income Protection Insurance rates can vary dramatically for one company to another - partly due to the fact that, often, the features and benefits are different from one to another. But there are a multitude of factors that are used to determine the price that you will pay for your cover and each insurer will treat each criteria within their own guidelines. Participating brokers from our national referral panel can compare a range of Income Protection Insurance policies from the insurers they work with and help you find a competitive, good-value option for your needs.

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance >> Start here >>

Comparing Options

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance

Income insurance in Australia cannot be compared on price alone as there may be significant disadvantages from one income insurance policy to the next that need to be taken into consideration depending on the size of your age, occupation, health and other considerations. When you request an income insurance quote using this website, your quote request will be referred to a participating licensed Australian insurance broker.

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Multiple Insurers

To access competitive Income Protection Insurance options and speak with a participating broker from our national referral panel, simply complete our simple Income Protection Insurance quote request form. Your enquiry will be matched to one broker, who can provide quotes and advice on products from the insurers they work with.

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance

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Insurance Calculators

Need some help calculating your income insurance sum insured and deferment period? Try our Income Insurance Calculator to make the job quick and easy!

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Make Informed Decisions

Visit our extensive library of informative Income Insurance Articles, the latest Insurance Online News, and listen to the latest episode of our News Podcast to stay in the loop with what's happening, why it matters to you, and some key takeaways you can use.

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Personal Advice

Income Insurance Online does not provide financial product advice (general or personal) or claims assistance directly. After you submit a quote request, your enquiry is referred to a participating licensed broker from our Australia-wide referral partner network for direct follow-up. Quote comparisons, claims assistance and any financial advice are subject to that broker's services and authorisation. Whether you receive general or personal advice will depend on the services offered by that broker and their assessment of your circumstances.

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Broker Matching

A participating life insurance broker will be assigned to your enquiry using the product category and information you provide in your income insurance quote request. Allocation may also take account of service area, broker availability, timing and account or bidding settings. This matching is to one broker from our referral panel and does not compare every broker or insurer in the market or select a financial product for you. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

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Income Protection Insurance Calculator

Income Protection Insurance Calculator image

Explore potential monthly income protection insurance amounts with our Income Protection Insurance Calculator. Use your income and basic financial details to estimate possible benefit amounts and see how different figures may affect your results.

Frequently Asked Questions


    Insurance News

    Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
    Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
    11 Nov 2026: Paige Estritori
    Australian travellers who have long relied on credit card travel insurance now have a fresh reason to check their cover before leaving home, with several major banks reducing, restructuring or removing complimentary travel insurance benefits across selected cards. The changes do not mean every cardholder is uninsured, but they do mean past experience is a poor guide to what applies to the next trip. - read more
    New WHS figures sharpen the risk picture for tradies
    New WHS figures sharpen the risk picture for tradies
    11 Nov 2026: Paige Estritori
    Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
    Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
    Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
    10 Nov 2026: Paige Estritori
    A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
    Strata Storm Claim Ruling Puts Defect Exclusions in Focus
    Strata Storm Claim Ruling Puts Defect Exclusions in Focus
    10 Nov 2026: Paige Estritori
    A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more
    Healthcare liability pressure puts clinic renewal evidence in focus
    Healthcare liability pressure puts clinic renewal evidence in focus
    10 Nov 2026: Paige Estritori
    A new Australian healthcare professional liability market update points to a sharper divide between general insurance market conditions and the experience of healthcare organisations arranging malpractice and professional liability cover. Lockton’s 1 November 2026 update says established insurers remain selective, claims inflation is affecting attachment points and underwriters are looking more closely at how clinical governance works in practice, not merely whether accreditation exists. - read more
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    Income Protection Articles

    Income Protection Insurance and Tax Benefits: What You Should Know
    Income Protection Insurance and Tax Benefits: What You Should Know
    Income protection insurance is a type of cover designed to provide you with a safety net if you are unable to work due to illness or injury. By offering regular payments that replace a portion of your income, it helps ensure that you can maintain your lifestyle and cover essential expenses during challenging times. - read more
    Finding Accidental Coverage When Comprehensive Income Protection Isn't an Option
    Finding Accidental Coverage When Comprehensive Income Protection Isn't an Option
    Income protection is an integral part of maintaining your financial security, especially in the event that unforeseen illnesses or injuries prevent you from working. Enabling you to receive a percentage of your regular income, this type of insurance provides a safety net, ensuring that you can continue to cover your living expenses and financial obligations whilst recovering. - read more
    Income Protection Insurance Explained: Ensure Your Livelihood in Times of Uncertainty
    Income Protection Insurance Explained: Ensure Your Livelihood in Times of Uncertainty
    When life takes an unexpected turn, whether due to illness, injury, or other unforeseen events, the financial repercussions can be devastating. This is where income protection insurance becomes an essential component of maintaining financial stability. Income protection insurance acts as a safety net, ensuring that even in times of hardship, your financial obligations can be met, and your standard of living maintained. - read more
    How Income Protection Insurance Is Regulated in Australia
    How Income Protection Insurance Is Regulated in Australia
    Income protection insurance in Australia is subject to rules covering insurer stability, product disclosure, sales conduct, claims handling and dispute resolution. Understanding the roles of APRA, ASIC, AFCA and key policy documents can help you compare cover more confidently. - read more
    Separating Fact from Fiction: The Myths of Income Insurance Revealed
    Separating Fact from Fiction: The Myths of Income Insurance Revealed
    Have you ever thought about how you would manage financially if you couldn't work due to an illness or injury? Income protection insurance is designed to replace a significant portion of your income if you find yourself unable to earn for an extended period. It's an essential safety net, providing peace of mind and financial stability during times of uncertainty. - read more

    Knowledgebase
    Endorsement:
    An amendment or addition to an existing insurance policy that changes the terms or scope of the original policy.

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