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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.

Life insurance 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

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Frequently Asked Questions


    Insurance News

    Income Protection Complaints Remain a Key Life Insurance Pressure Point
    Income Protection Complaints Remain a Key Life Insurance Pressure Point
    28 Oct 2026: Paige Estritori
    The Australian Financial Complaints Authority’s latest annual review has put income protection insurance back in focus, with the product again attracting the highest number of life insurance complaints in 2025-26. The figures are a useful reminder that the real value of cover is tested not at purchase, but when illness or injury interrupts a person’s capacity to earn. - read more
    Farm Flood Dispute Shows the Cost of Delayed Claims Handling
    Farm Flood Dispute Shows the Cost of Delayed Claims Handling
    28 Oct 2026: Paige Estritori
    A recent Australian Financial Complaints Authority determination involving a flooded farmhouse has put claims handling back under the microscope for rural policyholders, after the insurer was ordered to pay almost $432,000 across building repairs, additional temporary accommodation, professional costs and compensation for non-financial loss. The decision, dated 27 August 2026 and reported by Insurance News on 15 October 2026, is a useful reminder that the practical aftermath of a farm flood can extend well beyond the first clean-up. - read more
    Truck Claim Dispute Shows Disclosure Evidence Matters
    Truck Claim Dispute Shows Disclosure Evidence Matters
    24 Oct 2026: Paige Estritori
    A recent Australian Financial Complaints Authority decision involving a vandalised Hino truck is a useful reminder that disclosure disputes in commercial motor insurance turn on evidence, not assumptions. Reported by insuranceNEWS.com.au on 15 October 2026, the matter ended with Suncorp being ordered to reinstate the policy and reassess the claim after AFCA found the insurer had not proved that undisclosed driving history would have justified refusing the risk. - read more
    Why rising builder failures matter for contract works cover
    Why rising builder failures matter for contract works cover
    17 Sep 2026: Paige Estritori
    Australia's construction sector remains under pressure, with recent insolvency figures continuing to show building and construction as one of the most exposed parts of the economy. Higher material costs, tight margins, labour shortages, delayed payments and fixed-price contract stress have all contributed to a tougher operating environment for builders, subcontractors and project owners. - read more
    How Softer Truck Sales Can Affect Insurance Decisions
    How Softer Truck Sales Can Affect Insurance Decisions
    17 Sep 2026: Paige Estritori
    Recent transport industry sales updates point to a more selective new-truck market, with operators weighing replacement timing against finance costs, emissions planning, availability and contract confidence. For truck businesses, that matters well beyond the showroom. A change in buying momentum can flow through to vehicle values, repair economics, insurer appetite and the way fleets should set insurance sums before renewal. - read more
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    Life Insurance Articles

    Income Protection Insurance for Casual and Part-Time Workers
    Income Protection Insurance for Casual and Part-Time Workers
    Casual and part-time workers in Australia may be able to get income protection insurance, but eligibility often depends on income consistency, hours worked, occupation, health, employment history and the insurer's underwriting criteria. - read more
    How Accidental Income Protection Insurance Can Provide Peace of Mind
    How Accidental Income Protection Insurance Can Provide Peace of Mind
    Accidental income protection insurance is a type of policy that provides financial support if you are unable to work due to an accident. Unlike regular income protection insurance, which can cover illnesses and injuries, this specific insurance focuses solely on accidents. - read more
    How Income Protection Insurance Claims Work in Australia
    How Income Protection Insurance Claims Work in Australia
    Income protection insurance claims involve more than lodging a form. In Australia, claimants usually need to show they meet the policy definition of disability, provide medical and income evidence, complete the waiting period and keep the insurer updated while benefits are assessed or paid. - read more
    5 Key Factors to Consider When Shopping for Income Protection in Australia
    5 Key Factors to Consider When Shopping for Income Protection in Australia
    Welcome to our comprehensive guide on securing your financial future in Australia. In a world of uncertainties, income protection insurance plays a critical role in maintaining your financial security and peace of mind. - 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

    Knowledgebase
    Term Life Insurance:
    A life insurance that provides a cover for a specific period of time - usually one to five years or until the insured reaches age 65 or 70.

    Quick Links: | Income Insurance | Income Protection Insurance | Income Insurance For Self-employed | Income Insurance Quotes | Best Income Insurance Australia | Income Insurance For Employees | Income Insurance Comparison | Income Protection For Contractors | Temporary Income Protection | Income Replacement Insurance | Income Protection Policy
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