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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

Understanding the 4.41% Increase in Private Health Insurance Premiums
Understanding the 4.41% Increase in Private Health Insurance Premiums
23 Apr 2026: Paige Estritori
Australians are set to experience a significant rise in private health insurance premiums, with an average increase of 4.41% scheduled for 1 April 2026. This marks the steepest hike since 2017, adding to the financial pressures faced by many households. - read more
Australia Faces AUD 4.8 Billion in Insured Losses Due to Extreme Weather in 2025
Australia Faces AUD 4.8 Billion in Insured Losses Due to Extreme Weather in 2025
23 Apr 2026: Paige Estritori
In 2025, Australia experienced a dramatic escalation in insured losses due to extreme weather events, totaling AUD 4.8 billion—a staggering 727% increase compared to the previous year. This surge underscores the growing impact of climate change on the nation's economy and the insurance sector. - read more
Climate Change's Role in Rising Home Insurance Premiums: Insights from IAG
Climate Change's Role in Rising Home Insurance Premiums: Insights from IAG
23 Apr 2026: Paige Estritori
Insurance Australia Group (IAG), one of the nation's leading insurers, has issued a warning that climate change is increasingly contributing to the rise in home insurance premiums across Australia. The insurer's recent report indicates that the escalating frequency and severity of weather events are placing upward pressure on insurance costs. - read more
Rising Claims Challenge Australia's Compensation Scheme of Last Resort
Rising Claims Challenge Australia's Compensation Scheme of Last Resort
22 Apr 2026: Paige Estritori
Australia's Compensation Scheme of Last Resort (CSLR) is facing significant pressure due to a surge in claims linked to failed financial products. This uptick has led the Insurance Council of Australia (ICA) to call for structural reforms to ensure the scheme's sustainability. - read more
Escalating Professional Indemnity Claims in Australia's Financial Services Industry
Escalating Professional Indemnity Claims in Australia's Financial Services Industry
22 Apr 2026: Paige Estritori
Australia's financial services sector is currently experiencing a notable increase in professional indemnity (PI) claims, driven by intensified regulatory scrutiny and recent legal actions. This trend has significant implications for professionals and insurers operating within the industry. - 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
Income Safety Net: How to Choose the Right Income Protection for Your Lifestyle
Income Safety Net: How to Choose the Right Income Protection for Your Lifestyle
In the face of life's unpredictable twists and turns, few things are as disconcerting as the possibility of suddenly losing your ability to earn an income due to illness. Such events are often unexpected and can have significant financial repercussions that interrupt not only your flow of daily life but also compromise your future plans. - 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
Income Protection Insurance: A Lifeline for Freelancers and Contractors
Income Protection Insurance: A Lifeline for Freelancers and Contractors
In today's dynamic gig economy, freelancers and contractors are an essential part of Australia's workforce. Choosing flexibility and autonomy over traditional roles, these professionals enjoy the freedom to manage their schedules and select projects that align closely with their interests. However, this lifestyle brings unique challenges, especially regarding financial security. - 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

Knowledgebase
Rider:
An optional provision added to an insurance policy that provides additional benefits or coverage.

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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.