Income Insurance Online :: Calculators

Income Insurance Online Financial Calculators

Income Insurance Online is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Income Protection Insurance Calculator
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.
Life Insurance Calculator
Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.
Family Life Insurance Calculator
Plan ahead with our Family Life Insurance Calculator, designed for couples who want a clearer picture of their protection needs. It assesses Life, Trauma and TPD cover for both partners, factors in existing policies and super benefits, and highlights any shortfalls with detailed recommendations and easy-to-read visual insights.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.


Insurance News

Why Northern Strata Schemes Still Face Insurance Cost Pressure
Why Northern Strata Schemes Still Face Insurance Cost Pressure
19 Aug 2026: Paige Estritori
Fresh industry attention on insurance affordability in northern Australia has reinforced a message many strata communities already understand: premium relief is not delivered by a single reform, even where government-backed risk sharing is in place. For apartment buildings, townhouse complexes and mixed-use strata schemes exposed to cyclone, storm surge, flood or severe rainfall, insurers are still looking closely at the physical characteristics of each building before deciding price, excesses and available cover. - read more
Insurance Summit Agenda Puts Life Cover Strategy in Focus
Insurance Summit Agenda Puts Life Cover Strategy in Focus
19 Aug 2026: Paige Estritori
The agenda for the 2026 AFR Insurance Summit points to an insurance sector that is increasingly focused on affordability, technology, trust and operational resilience. While much of the summit is framed around the broader insurance market, the themes are highly relevant for employers, CFOs and directors reviewing corporate life insurance, group salary continuance, key person cover and executive protection arrangements. - read more
Insurance Complaint Trends Are a Timely Warning for Tradies
Insurance Complaint Trends Are a Timely Warning for Tradies
19 Aug 2026: Paige Estritori
Fresh complaint trends across the Australian insurance market are another reminder that the real test of any policy often comes after something has gone wrong. While many disputes involve household cover, the same pressure points can affect tradies who rely on tools, vehicles, plant, public liability cover and income protection to keep work moving. - read more
Life Insurance Code Review Puts Customer Treatment Back in Focus
Life Insurance Code Review Puts Customer Treatment Back in Focus
19 Aug 2026: Paige Estritori
The review of Australia’s Life Insurance Code of Practice has moved from a broad governance discussion into a more practical question for households: what should good insurer behaviour look like when people apply for cover, update a policy or make a claim? - read more
What the Next Advice Reform Steps Mean for Business Cover
What the Next Advice Reform Steps Mean for Business Cover
19 Aug 2026: Paige Estritori
Australia’s financial advice reform agenda has moved from broad policy debate into the more practical question of how advice will be delivered, documented and accessed. For business owners, this matters because life insurance decisions are rarely isolated personal choices. They often intersect with debt facilities, director guarantees, shareholder agreements, succession plans and family wealth protection. - read more
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Life Insurance Articles

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 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
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
How Income Protection Benefit Payments Are Calculated
How Income Protection Benefit Payments Are Calculated
Income protection benefit payments are usually based on your insured monthly benefit, your income before disability, policy limits, claim evidence and any offsets that apply. This guide explains the main factors that can affect how much may be paid during an income protection claim in Australia. - 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

Knowledgebase
Beneficiary:
The person or entity designated to receive the death benefit from a life insurance policy.

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This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.