In the event of illness or injury, Income Protection Insurance can replace up to 75 % of your gross income.


We assess whether Income Protection Insurance provides a net benefit for you, or we can check what you may already have in place.  Delivering one of the following outcomes:

Keep your Existing Policy/Provider  with the Existing Cover you have
Keep your Existing Policy/Provider and revise the Existing Cover you have
Change your Existing Policy/Provider with the Existing Cover you have
Change your Existing Policy/Provider revise the Existing Cover you have


Premiums vary greatly depending on the level of protection you are after.

As a general rule, income protection in Australia costs approximately one week’s salary per year.  Premiums are generally tax deductible.

The following factors will influence your Premiums:

  • Age – the cost of obtaining cover generally increases over time.
  • Gender
  • Health & any existing or previous medical conditions
  • Smoker?
  • Occupation – If your occupation is hazardous or high risk it may be more expensive.
  • Waiting period – how long you can be off work before you require the income to commence. The waiting periods generally range from 2 weeks to 2 years.
  • Benefit Period – The maximum length of time the policy will provide you with an income stream, following the waiting period. These can either be for a set period (2 years, 5 years) or until a certain age (to age 65). If you have recovered from your sickness or injury and are able to return to work, then the monthly benefit will cease at the time of your return.
  • Additional policy features.