Up to 70% of income
Cover can replace up to 70% of your income, subject to insurer limits, eligibility and policy terms.
Income Protection Insurance
Protect the income your life depends on.
Income Protection can provide regular payments if illness or injury prevents you from working, helping you keep up with everyday financial commitments while you recover.
Premier Wealth Protection compares options from leading Australian insurers and helps you understand the cover, waiting period, benefit period, policy features and cost.
Income Protection at a glance
Waiting periods from 30 days
Common options include 30, 60 or 90 days before benefits can begin.
Benefit periods up to age 65
Options may include 2 years, 5 years or to age 65, depending on the insurer and your circumstances.
Why use an adviser?
What you don't lose. What you gain.
Using an adviser does not mean paying a higher premium or being locked into one insurer. It means adding comparison, advice and support to the process.
What you don't lose
- Your premium does not increase by using us
- No direct cost for our advice and support
- You are not restricted to a single insurer
- You can consider Life, TPD or Trauma at the same time
What you gain
- Comparison across leading insurers
- Help selecting waiting and benefit periods
- Support through application and underwriting
- Ongoing review and claims support
Premier Wealth Protection is an insurance adviser, not an insurer. We compare cover from a panel of leading Australian insurers and are not owned by any individual insurer.
Request a quote
Compare Income Protection options.
Tell us a little about yourself and the cover you are considering. You can also let us know if you would like to discuss Life, TPD, Trauma or other protection at the same time.
Your information is secure and will never be shared.
Our Panel of Trusted Insurers
How cover is structured
Three decisions shape how your Income Protection works.
These settings affect how much cover you receive, when benefits can begin and how long payments can continue.
Monthly benefit
Income Protection may cover up to around 70% of your income, subject to insurer limits, your earnings, occupation and policy terms.
Waiting period
The waiting period is how long you need to be unable to work before benefits can begin. Common options include 30, 60 and 90 days.
Benefit period
The benefit period is the maximum length of time payments can continue while you remain eligible. Options may include 2 years, 5 years or to age 65.
Who can apply?
Income Protection for a wide range of occupations.
Your occupation can affect pricing, available cover and underwriting. We help identify insurers and structures that may suit the work you do.
Professionals
Office-based professionals, managers, executives and many specialist occupations.
Self-employed
Business owners, contractors and sole traders whose income depends on their ability to work.
Trades
Many qualified trades and hands-on occupations can be considered, subject to insurer underwriting.
Mining & resources
Cover may be available for many mining and resource-sector occupations, depending on duties and work environment.
Health & allied health
Medical, healthcare and allied health professionals can often access a range of Income Protection options.
Not sure where your job fits?
Tell us your occupation and duties. We can help identify what insurers may consider and what options are available.
Why Premier Wealth Protection
Advice when you choose your cover. Support when you need it most.
Income Protection policies can look similar at first glance. We help you compare the details that can matter at application, review and claim time.
Compare options
We compare available options from a panel of leading Australian insurers.
Compare more than price
We help you understand waiting periods, benefit periods, definitions, exclusions and policy features.
Underwriting support
We help coordinate your application and insurer requirements and keep you informed through the process.
Claims support
If you ever need to claim, we can help you navigate the process and deal with the insurer.
A simple, guided process
From quote to cover.
1. Tell us about you
We gather information about your income, occupation and the protection you are considering.
2. Compare options
We compare available insurers, premiums, waiting periods, benefit periods and policy features.
3. Apply with support
We assist with the application and underwriting process and help coordinate insurer requirements.
4. Ongoing support
We remain available for policy reviews and to assist if you ever need to make a claim.
Income Protection FAQs
Common questions about Income Protection.
What does Income Protection cover?
Income Protection is designed to provide regular payments if illness or injury prevents you from working and you meet the policy's definition of disability. Definitions, exclusions and eligibility vary between insurers and policies.
How much of my income can be covered?
Income Protection may cover up to around 70% of your income, subject to insurer limits, your income, occupation, policy terms and underwriting.
What waiting periods are available?
Common waiting periods include 30, 60 and 90 days. The right option depends on factors such as your available savings, leave entitlements, other resources and budget.
What benefit periods are available?
Depending on the insurer and your eligibility, benefit periods may include 2 years, 5 years or to age 65.
Can I apply if I am self-employed?
Yes, many self-employed people can apply for Income Protection. Insurers may require financial information to establish your income and assess the level of cover available.
What happens if I need to make a claim?
A claim generally involves information about your medical condition, work capacity and income. The insurer assesses the claim against the policy terms. Premier Wealth Protection can help you navigate the claims process.
This information is general in nature and does not take into account your personal objectives, financial situation or needs. Product availability, definitions, benefit limits, waiting periods, benefit periods, exclusions and eligibility criteria vary between insurers and policies. Refer to the relevant Product Disclosure Statement and policy documentation for full details.
Ready to compare?
Protect the income that keeps life moving.
Request a quote and compare Income Protection options from leading Australian insurers.
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