Compare Income Protection Providers

Income protection insurance replaces up to 70% of your pre-disability income with monthly payments if you cannot work due to illness or injury. Unlike a one-off lump sum, it provides ongoing cash flow so you can keep paying the mortgage, rent, bills, and family expenses while you focus on recovery.

Premiums for cover held outside super are generally tax deductible (consult your tax adviser for your specific situation). That makes income protection one of the more cost-effective forms of personal insurance for self-employed and contract workers.

The key variables to compare are the waiting period (commonly 14, 30, 60, or 90 days before benefits start), the benefit period (2 years, 5 years, to age 65, or to age 70), and whether the policy pays an agreed value or indemnity benefit. Other features include partial-disability payments, rehabilitation support, return-to-work assistance, and how each insurer treats mental-health and pre-existing conditions in their underwriting and claims practice.

This page is a factual side-by-side comparison, not a personalised recommendation. The right structure depends on your occupation, income stability, existing employer sick leave, and how much premium you want to pay.