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Protect Your Earnings With Income Insurance

Looking to compare income protection insurance options? Save yourself hours of research with Income Insurance Online. Our no-cost broker-matching service connects you with a specialist broker from our national referral panel who can compare policies from a range of insurers they work with on your behalf. One form, and your enquiry is referred to one broker who can outline options tailored to your income, occupation and needs.

Find the right income cover at competitive rates.

  • Competitive Rates
  • Family Protection
  • Professional Service
  • Compare Options
  • Personal Advice
  • Financial Security

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within 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 in as income protection or disability insurance) is an insurance cover for individuals and businesses to indemnify against the financial implications resulting from an illness or injury of an insured individual or individuals. Income insurance comes in a range of forms and may include death cover, total & permanent disability, major medical crisis cover, monthly income protection benefits, etc.

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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. Specialist 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 instantly transmitted to a licensed Australian income insurance specialist in your area of need.

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Multiple Insurers

To access competitive Income Protection Insurance options and speak with a specialist 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 personal financial advice or claims assistance directly. All enquiries, including quote comparisons, claims assistance and any financial advice (general or personal), are handled by a licensed specialist broker selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request. 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 specialist life insurance broker will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your income insurance quote request. This matching is to one broker from our referral panel and does not compare every broker or insurer in the market. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

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Insurance News

HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
26 May 2026: Paige Estritori
HESTA, a prominent Australian superannuation fund, has unveiled a series of changes aimed at providing more accessible and affordable insurance coverage for its members. Effective from 1 July 2026, these adjustments include an average 12% reduction in insurance fees across all cover types, encompassing death, total and permanent disablement (TPD), and income protection cover. - read more
Acenda Life Introduces Significant Updates to Income Protection Policies
Acenda Life Introduces Significant Updates to Income Protection Policies
26 May 2026: Paige Estritori
Acenda Life has recently implemented a series of updates to its Retail Life Insurance portfolio, effective from 11 April 2026. These changes are designed to provide greater flexibility and accessibility for Australians seeking income protection insurance, addressing common concerns about policy limitations and entry age restrictions. - read more
AFCA Backs Insurer in Income Protection Offset Case
AFCA Backs Insurer in Income Protection Offset Case
26 May 2026: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently ruled in favour of Nippon Life Insurance in a dispute concerning income protection (IP) offsets, confirming an overpayment of nearly $18,000 and supporting the insurer's decision to suspend benefits during the reconciliation of compulsory third party (CTP) income. - read more
Australian Tattooists Struggle with Soaring Insurance Premiums
Australian Tattooists Struggle with Soaring Insurance Premiums
26 May 2026: Paige Estritori
The Australian tattoo industry is currently grappling with prohibitively high insurance premiums, a situation largely attributed to a lack of competition within the insurance market. The Australian Tattooists Guild has highlighted that the dominance of a single broker and underwriter has resulted in a near-monopoly, leaving tattoo businesses with few alternatives for affordable coverage. - read more
Escalating Insurance Premiums Threaten Australian Small Businesses
Escalating Insurance Premiums Threaten Australian Small Businesses
26 May 2026: Paige Estritori
Australian small businesses, including beauty salons, are confronting a significant challenge: rapidly increasing insurance premiums that threaten their operational viability. A recent federal parliamentary inquiry has shed light on the severe impact these escalating costs are having on the small business sector. - read more
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Life Insurance Articles

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
How to Avoid Common Mistakes When Filing an Insurance Claim
How to Avoid Common Mistakes When Filing an Insurance Claim
Filing an insurance claim in Australia can be a daunting process, especially if you are not familiar with the necessary steps and requirements. Claiming insurance is crucial when you need financial support, whether due to a natural disaster, accident, or another unexpected event. - 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
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

Knowledgebase
Indemnity:
A legal principle that stipulates that insurance policies should restore the insured to the financial position they were in before the loss.

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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.