Income Insurance Online :: About Us

About Income Insurance Online

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Income Insurance Online is part of the Financial Services Online network, owned and operated by Clark Family Pty Ltd (A.C.N. 010 281 008). We are dedicated to helping Australians connect with reputable providers of financial, credit, and insurance products and information online.

Income Insurance Online operates as an introducer and referral service. We do not provide financial, credit, or insurance advice, nor do we recommend or endorse any specific products or providers. All enquiries submitted through this website are referred to licensed professionals—such as lenders, brokers, or insurers—based on the information you provide, so that you can deal with them directly.

In some cases, Income Insurance Online or Clark Family Pty Ltd may receive a referral fee or commission from the third-party provider in consideration for facilitating the introduction. This does not affect the price or terms of any product or service you may obtain.

All information, articles, tools, and calculators published on this website are provided for general information purposes only and do not take into account your objectives, financial situation, or needs. You should not rely on this information as a substitute for independent advice from a suitably qualified and licensed professional.

Before acting on any information or applying for a product referred to by Income Insurance Online, you should consider whether it is appropriate for your circumstances and, if necessary, seek personal advice from a qualified adviser, broker, or intermediary.

Our role is to connect consumers with licensed professionals and to facilitate access to specialist finance, credit, and insurance solutions across Australia.

For further information or to make an enquiry, please contact Income Insurance Online.

Australian Financial Services & Credit Licensing Information

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. 010 281 008.

Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).

You can verify our authorisations and licensing details via the ASIC website.

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Life Insurance Articles

How to Compare Income Protection Policies When You Have a Medical History
How to Compare Income Protection Policies When You Have a Medical History
In today's ever-changing world, financial security is a cornerstone of peace of mind, particularly for Australians grappling with medical histories. Income protection insurance emerges as a pivotal solution, safeguarding not only the individual’s fiscal health but the well-being of their dependents. This introduction explores the nuances of income protection insurance and its particular significance for those with pre-existing medical conditions. - 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
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
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
Navigating Pre-existing Conditions in Income Protection Insurance
Navigating Pre-existing Conditions in Income Protection Insurance
Income protection insurance is a safeguard that provides individuals with financial stability in the event they are unable to work due to illness or injury. This type of insurance typically replaces a significant percentage of the insured's income, ensuring that their financial commitments can still be met during periods when they cannot earn an income through employment. - read more

Insurance News

WFI Insurance's $250,000 Donation Supports Flood-Affected Queensland Farmers
WFI Insurance's $250,000 Donation Supports Flood-Affected Queensland Farmers
30 Nov 2025: Paige Estritori
In response to the catastrophic flooding that has devastated parts of western Queensland, WFI Insurance has stepped forward with a substantial donation of $250,000 to Rural Aid. This contribution is aimed at bolstering relief efforts for farming communities grappling with the aftermath of the region's most severe floods in half a century. - read more
AFCA Supports Significant Home Insurance Premium Increase Based on Updated Flood Risk Assessment
AFCA Supports Significant Home Insurance Premium Increase Based on Updated Flood Risk Assessment
30 Nov 2025: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently upheld a substantial increase in home insurance premiums for a property, attributing the rise to updated assessments of flood risk. This decision underscores the critical role of accurate risk evaluation in determining insurance costs and the necessity for property owners to stay informed about potential changes in their risk profiles. - read more
Envest Group's TLI Underwriting: A New Era for Large Truck Fleet Insurance
Envest Group's TLI Underwriting: A New Era for Large Truck Fleet Insurance
30 Nov 2025: Paige Estritori
Envest Group, a prominent player in the insurance industry, has announced the launch of TLI Underwriting, a new heavy motor agency set to commence operations at the end of this month. TLI Underwriting will function as an authorised representative of Envest's heavy motor specialist underwriter, ATL Insurance Group. - read more
AFCA's Decision Highlights Importance of Accurate Insurance Declarations
AFCA's Decision Highlights Importance of Accurate Insurance Declarations
30 Nov 2025: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently ruled against a trucking company that misrepresented its insurance history and operational details when obtaining a policy from NTI. This decision underscores the critical importance of providing accurate information during the insurance application process. - read more
Regulators Call for Immediate Action in Australia's Pension Sector
Regulators Call for Immediate Action in Australia's Pension Sector
30 Nov 2025: Paige Estritori
Australia's financial regulators, the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC), have issued a strong directive to the nation's A$4.5 trillion superannuation industry. They emphasize the urgent need for accelerated preparations to accommodate an estimated 2.5 million individuals expected to retire within the next decade. - read more

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Actuary:
A professional who analyzes the financial costs of risk and uncertainty using mathematics, statistics, and financial theory.