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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

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

    Claims Review Highlights the Cost of Slow Communication
    Claims Review Highlights the Cost of Slow Communication
    03 Nov 2026: Paige Estritori
    A new Life Code Compliance Committee inquiry has put renewed pressure on life insurers to improve the way they manage longer-running total and permanent disability and income protection claims, after finding that avoidable communication and information-gathering issues can add to an already stressful claims process. - read more
    What Rising Insurance Disputes Mean for Income Protection Customers
    What Rising Insurance Disputes Mean for Income Protection Customers
    29 Oct 2026: Paige Estritori
    New Zealand’s latest insurance dispute figures are a timely warning for anyone relying on personal cover to protect their household income. The Insurance & Financial Services Ombudsman Scheme reported that, for the year ended 30 June 2026, health insurance became the largest category of disputes it investigated for the first time, with health disputes up 91 percent and 833 dispute investigations completed across all categories. - read more
    Why Falling Insurance Rates May Not Flow Evenly to Truck Operators
    Why Falling Insurance Rates May Not Flow Evenly to Truck Operators
    29 Oct 2026: Paige Estritori
    Fresh commercial insurance market data is giving Australian businesses a more favourable pricing backdrop, but truck owners should be cautious about assuming broad rate falls will automatically reduce heavy vehicle premiums. Marsh’s Q3 2026 Global Insurance Market Index, released on 21 October 2026, reported a 12 per cent fall in Pacific commercial insurance rates for the quarter, led by property and supported by strong insurer competition and available capacity. - read more
    Why Data Centre Work Is a Different Risk for Tradies
    Why Data Centre Work Is a Different Risk for Tradies
    29 Oct 2026: Paige Estritori
    Australia’s fast-growing data centre construction market is opening opportunities for electrical, HVAC, fire protection, cabling, fit-out and commissioning trades, but recent insurance industry discussion suggests the risk settings are not always keeping pace with the work. At a recent Australasian Professional Indemnity Group conference, specialists warned that data centre projects can involve unusual contractual, professional and technology-related exposures, especially where contractors rely on annual insurance programs designed for more conventional building work. - read more
    Why Mental Health Cover Is Back in the Income Protection Spotlight
    Why Mental Health Cover Is Back in the Income Protection Spotlight
    29 Oct 2026: Paige Estritori
    Australia’s life insurance industry has moved mental health cover back to the centre of the affordability debate, after the Council of Australian Life Insurers released its response on 30 September 2026 to the independent review of the Life Insurance Code of Practice. For workers who rely on income protection insurance, the issue is practical: mental health conditions can affect earning capacity just as seriously as physical illness, but changes designed to keep premiums manageable may also alter what is covered. - read more
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    Life Insurance Articles

    Deciphering Your Policy: A Beginner's Guide to Insurance Terminology
    Deciphering Your Policy: A Beginner's Guide to Insurance Terminology
    Welcome to the world of insurance – a domain where words like 'deductible' and 'premium' can significantly impact your financial protection and peace of mind. As a beginner, grasping the basics of insurance terminology is the first step towards making informed decisions about the policies that safeguard your assets and future. In this guide, we will embark on a journey through the language of insurance, which can often seem as complex as the policies themselves. - read more
    Combining Financial Security and Affordability: Income Protection for Australians Explained
    Combining Financial Security and Affordability: Income Protection for Australians Explained
    Financial security is a cornerstone of peace of mind, particularly when life is known for its unpredictability. This introductory section sheds light on the vital nature of income protection insurance and its role in safeguarding Australians' financial well-being. Ensuring continual financial inflow during times of illness or injury not only offers stability but also protects one's standard of living. - read more
    Income Protection Insurance: Understanding Waiting Periods and Benefit Periods
    Income Protection Insurance: Understanding Waiting Periods and Benefit Periods
    Income protection insurance is a financial product designed to support individuals in the event that they are unable to work due to illness or injury. This type of insurance provides a regular income, helping to replace a portion of lost earnings and meet daily living expenses. Virtually anyone earning an income, especially those with financial dependents or significant debts, should consider the peace of mind that income protection can offer. - 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
    Why Income Protection Insurance Is Essential for Australians
    Why Income Protection Insurance Is Essential for Australians
    Income protection insurance is a type of personal insurance that provides financial support if you are unable to work due to illness or injury. It ensures that you continue to receive a portion of your income, helping you manage daily expenses and financial commitments during recovery. - read more

    Knowledgebase
    Policyholder:
    The individual or entity who owns the insurance policy.

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