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About Income Insurance Online

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Income Insurance Online is a proud member of the Financial Services Online network, owned and operated by Clark Family Pty Ltd, A.C.N. 010 281 008 and we are committed to helping Australian individuals and businesses locate the best financial products, services, information and advice available via the internet.

We do not recommend any specific financial products and we do not offer any form of financial advice. All product enquiries and requests for financial or other advice on this website are referred to specialist financiers, insurers or other financial advisers (based on the specific circumstances of the applicant), with whom you can deal directly. Income Insurance Online may receive a fee or commission in consideration for the referral.

All of the financial information presented on this website, including articles and news items, are provided for general information purposes only and should not be relied on without first discussing your specific circumstances with a suitably qualified, licensed Financial Adviser.

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Our role is to directly connect people with the right solutions - and to facilitate the introduction of specialist financial resources.

Please feel free to contact Income Insurance Online for further information or with any queries you may have.

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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, Authorised Credit Representative of Saccasan Pty Ltd, Australian Credit License 386297, Authorised Financial Services Representative of Unique Group Broker Services, Australian Financial Services License 509434. Visit the ASIC website for additional licensing information.

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Life Insurance Articles

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 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
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
From Illness to Injury: Understanding the Scope of Income Protection Insurance From Illness to Injury: Understanding the Scope of Income Protection Insurance
In the uncertain times we face today, where both health and economic climates are unpredictable, safeguarding your financial stability becomes paramount. This is where income protection insurance steps in as an essential safety net. For many Australian families, it's the buffer that ensures life's financial commitments are met, even when ability to work is compromised. - read more
Income Protection vs. Life Insurance: What's Best for You? Income Protection vs. Life Insurance: What's Best for You?
Financial protection is an essential aspect of sound financial planning. It ensures that you and your family are safeguarded against unexpected events that could lead to financial hardship. Two common types of financial protection are income protection insurance and life insurance. - read more
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
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
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
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: 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

Insurance News

Regulatory Bodies Demand Clarity on Duration-Based Insurance Premiums Regulatory Bodies Demand Clarity on Duration-Based Insurance Premiums
06 Jun 2025: Paige Estritori

Australia’s leading financial regulators, the Australian Securities and Investments Commission (ASIC) and the Australian Prudential Regulation Authority (APRA), have raised concerns regarding the practice of duration-based pricing in life insurance products. They have emphasised the need for insurers to improve transparency, ensuring that consumers are fully informed about the long-term costs associated with initial premium discounts. - read more
Young Driver Left Uncovered Due to Policy Misstep Young Driver Left Uncovered Due to Policy Misstep
05 Jun 2025: Paige Estritori

A policyholder faces a denied claim after inadvertently excluding his newly licensed 21-year-old son from his car insurance policy, highlighting a common oversight in age-specific exclusions. Following a collision involving his son, who recently earned his licence, Hollard Insurance declined the claim based on policy terms that excluded drivers under 25, unless accompanied by a qualified adult. - read more
NSW Floods Highlight Critical Insurability Crisis NSW Floods Highlight Critical Insurability Crisis
05 Jun 2025: Paige Estritori

Recently, New South Wales has been severely affected by major floods, with damages to around 10,000 homes and businesses. The Insurance Council of Australia has already received over 6,000 claims from the Mid North Coast and Hunter regions, while countless families face displacement as their homes become uninhabitable. - read more
Ride-Share Driver Prevails in Insurance Dispute Over Vehicle Use Ride-Share Driver Prevails in Insurance Dispute Over Vehicle Use
04 Jun 2025: Paige Estritori

A ride-share driver recently won a significant claim dispute against an insurer that initially denied his claim following a traffic accident. The Australian Financial Complaints Authority (AFCA) sided with the driver, determining that Auto & General could not prove he misrepresented his vehicle use when purchasing his insurance policy. - read more
Streamlining Life Insurance: New Digital Questionnaire Initiative Launched Streamlining Life Insurance: New Digital Questionnaire Initiative Launched
04 Jun 2025: Paige Estritori

In a groundbreaking development for the Australian life insurance sector, a new digital initiative promises to simplify the process of providing medical information for life insurance applications. The collaboration between Acenda, formerly known as MLC Life, and EQ Pathology introduces “smart” digital questionnaires to streamline data collection. - read more

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Loss of Use:
Insurance coverage that pays for the additional living expenses if your home is uninhabitable due to a covered loss.