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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.

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All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

Comparison results are based on products offered by participating brokers linked to our referral service and do not cover every insurer or product in the market. Your enquiry will be referred to one licensed broker from our panel, who may provide you with quotes from the insurers they have access to. We may receive a referral fee or commission from the parties we refer you to; these are general marketing expenses and are not dependent on whether you proceed with a product. We do not provide financial advice or credit assistance directly; any advice you receive (general or personal) is provided by the broker.

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
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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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Life Insurance Articles

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
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
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
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

Australian General Insurers Report Record $7.3 Billion Profit
Australian General Insurers Report Record $7.3 Billion Profit
18 Jan 2026: Paige Estritori
The Australian general insurance sector has reported a remarkable after-tax profit of $7.3 billion for the last financial year, marking its most substantial earnings in over ten years. This significant increase is primarily attributed to a decrease in catastrophe-related losses and robust investment returns. - read more
Australian General Insurance Premiums Set to Surpass $144 Billion by 2029
Australian General Insurance Premiums Set to Surpass $144 Billion by 2029
18 Jan 2026: Paige Estritori
The Australian general insurance market is on a trajectory to see direct written premiums (DWP) exceed $144 billion by 2029, according to projections from data and analytics firm GlobalData. This anticipated growth is largely fueled by heightened demand for coverage in response to the increasing frequency of natural disasters. - read more
Understanding the Impact of New Regulations on Cosmetic Nurses' Insurance
Understanding the Impact of New Regulations on Cosmetic Nurses' Insurance
18 Jan 2026: Paige Estritori
The cosmetic nursing sector in Australia has experienced significant growth, driven by increasing demand for non-surgical cosmetic procedures such as injectables and skin treatments. This expansion has led to heightened scrutiny and the introduction of new regulations aimed at ensuring patient safety and professional accountability. - read more
Health Minister Addresses Insurers' Use of Loopholes to Raise Premiums
Health Minister Addresses Insurers' Use of Loopholes to Raise Premiums
18 Jan 2026: Paige Estritori
In December 2024, Australian Health Minister Mark Butler issued a stern warning to private health insurers regarding the use of 'underhanded' tactics to raise premiums. This statement came in response to findings that some insurers have been closing old policies and introducing more expensive ones, effectively increasing costs for consumers without transparent communication. - read more
Australia's General Insurance Market Set for Significant Growth by 2029
Australia's General Insurance Market Set for Significant Growth by 2029
18 Jan 2026: Paige Estritori
Australia's general insurance industry is on a trajectory for substantial growth, with direct written premiums (DWP) projected to reach $146.9 billion by 2029. This forecast, provided by GlobalData, anticipates a compound annual growth rate (CAGR) of 9.2%, rising from $103.1 billion in 2025. - read more
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Monthly Income Benefit:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.


Knowledgebase
Disability Insurance:
A type of insurance protection that pays a portion of a person's income lost due to a total or partial disablement arising from either an accident or a sickness.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. 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 always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.