income protection insurance

Free Income Protection Insurance Quotes

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We make obtaining free Income Protection Insurance quotes a straight-forward and hassle-free process. Simply complete the form above to get started. An income protection insurance consultant will promptly contact you. The consultant will be able to provide you with factual insurance product information and free income protection insurance quotes from a panel of up to x12 insurance providers.

Income Protection Insurance Australia

No matter what part of Australia you are from – whether it be New South Wales, Queensland, Victoria, ACT, South Australia, Western Australia, the Northern Territory or Tasmania – our online income protection insurance quote service is completely free and available for you to utilise.

Income protection insurance in Australia, is essentially insurance that replaces a significant portion of your income if you are unable to work in the event of an illness or injury. In Australia, the amount of income protection insurance you can be covered for is usually up to 75 percent of your monthly income. However, income protection insurance has a variety of options available that can be tailored to fit you, the work you do, and your personal circumstances.

The options that you can choose to purchase or not, depending on what suits you, your occupation and your family, include a non-cancellation clause which protects you from having your income protection insurance cancelled as you age or if your health risk changes and guaranteed future insurability which allows you to increase your coverage as your needs change.

Not all income protection insurance policies are alike, though. Be sure when you are looking at plans that you read the fine print. There can be variations that might make one plan much better for your situation than another. For instance, if you have an injury that keeps you from doing your particular trade, but would not necessarily keep you from doing another trade, would income insurance protect you? Well, some would and some wouldn’t. That’s an example why it’s important to read and ask questions when you are considering purchasing insurance. It’s also a good idea to get advice from an qualified financial adviser, as you would for any major financial decision.

It’s also important to know that income protection insurance generally only covers you in the event of an accidental injury or an illness that keeps you from working for more than a few days. If you call off work for a couple of days, income protection insurance is generally not going to kick in. It’s designed to assist you when you find yourself in a more serious situation. It’s also designed to help out when the situation is not in your control, and to that end, income protection insurance does not cover you for situations for which you are deemed at least somewhat responsible, such as alcohol or drug related inability to work, pregnancy, mental health, or self-inflicted injuries. Further, if you are self-employed, there can be limitation on what income protection insurance will cover you for in regards to ongoing business expenses.

With the various options available, as well as the differences in policies and premiums, income protection insurance is something you should consider carefully before buying. It would certainly be unwise to spend good money on paying premiums for years, only to find out when you need the insurance to pay off, that you didn’t buy the plan that was right for you. Consider your own situation and needs, and those of your family, then consult a trusted financial adviser who can help you make a choice that you will fulfil your needs.

Written by Anthony Taylor. Google +


The information on this website is for Australian residents only and is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement. We recommend that you speak to a specialist financial Adviser before you make any decision regarding life, income protection, trauma & funeral insurance.

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