Secure your way of life with income protection

Help maintain an income when you can’t work, so you can focus on your recovery.

Income Protection Comparison Compare income protection

Benefits of Income Protection

  • Receive recurring monthly payments
  • Maintain your lifestyle even when you can’t work
  • Cover expenses and debt repayments
  • Claim when you’re unable to work due to sickness or injury

Do I need Income Protection?

1) Lifestyle

Could you maintain your lifestyle if you were unable to work for an extended period because of an illness or injury?

2) Sick leave

Do you have an unlimited amount of sick leave available?

3) Your debt

Are you mortgage or debt free?

4) Any financial dependents?

Do you have financial dependents?

5) Financial security

If you have no income when off work with an injury or illness, would you be able to manage without any financial stress?

Looks like you have financial security outside of your income. If you’ve already got Income Protection, you can quickly compare current cover.

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You may want to consider Income Protection for financial peace of mind.

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Confidence insuring my income
Recently I was lucky enough to be served by Chris Anderson of I was very specific about the… See more

C. M. Girdham

Awesome service
I had an excellent experience with 'Lifebroker' , especially Esha! He deserves a pay rise. He went above and beyond for me!

Joseph Ivan Ukić

Brilliant Customer Service. Excellent Comparisons and Prices!
Lifebroker have been my insurance brokers for the last couple of years and I cannot recommend them enough. I… See more


Dealing with changing benefits
Having industry experience can sometimes be a burden, with expectations. So much has changed and is changing since I… See more

Guy Henderson

Good respectful service
I knew what I wanted and started contacting various insurance options. Esha was great to deal with, explained… See more

Brad Howard

Good customer service, communication and support

Existing Lifebroker client.

Extremely Helpful and Professional Advise
I am extremely happy with the service Monik Palany has provided. He has helped me chose the right product… See more

Baljinder Singh

Good service and follow up
I was very pleased with the overall service I received from Lifebroker throughout the process and was guided through… See more


Excellent Service
I am extremely happy with the service Monik Palany has provided me. He helped me chose the right product… See more

Rajeev Jadoo

Give that man a raise!
Monik is an asset to your company!! I am actually amazed at how honest, down to earth and friendly… See more

Lynne Tziolas

Quick and easy service
Thanks so much Chris for making the insurance an easy process, staff were conscientious, on time and very professional.… See more

Roger Price

Thorough service
Answered all of my questions quickly and concisely


Very helpful
Kate Cipans was really helpful and knew exactly what i was looking for, and accordingly has assisted me with… See more

Victor Williams

Very helpful
Monik Palany has been very helpful and provided excellent service as per my request. I would definitely recommend him… See more

vijay kaushik



Reg Insurance
Very good service and constant updating regarding the progress of your application.

Kiran Kumar

Satisfied customers
My husband and I have been very satisfied with Lifebroker. Monik, has helped with us with everything. He had… See more

aiszaricalouise macaraniag

Learn more about Income Protection

What is income protection?

If you are unable to work for an extended period of time due to illness or injury, your income protection policy can provide a regular monthly benefit of up to 75 percent of your income for the length of time determined when you took out your policy.

Income protection can be particularly important for people who are the sole income earners, regardless of whether you have any dependents. However, if you do have people relying on your income, it reduces the financial stress that arises for them and yourself if you become ill or injured and unable to work.

Having this financial protection in place can ensure you and your loved ones can maintain the lifestyle you have worked hard to achieve, even if you are unable to work.

Use our comparison tool to help you find the right income protection product for your needs, or give our Lifebroker insurance consultants a call on 13 54 33.

Why do I need income protection?

If you are unable to work for an extended period of time due to illness or injury, income protection can provide you with a financial lifeline during a difficult time. It gives you the peace of mind that you will have help keeping up with repayments that you have as well as cover everyday expenses.

Most income protection policies provide up to 75 percent of your income if you need to claim, which helps ensure that you and your loved ones' lifestyle is maintained and protected if you become ill or injured.

Having an income protection policy in place allows you to focus on your recovery and recuperation and not on your bills.

Compare income protection policies now using our insurance comparison tool, or call one of our specialist insurance consultants on 13 54 33 — we’re here to help.

How much cover is available?

Most income protection insurers will pay out up to 75 percent of your income either until a time at which you are able to work again or until the end of your policy’s agreed benefit period, whichever is first.

When you take out income protection you will have a variety of options, including how long you will receive the benefit for and how long the waiting period is before your policy will start paying monthly benefits.

It is important to consider how much cover you need and how long you can go without cover (the waiting period). How many sick days do you have? Do you have savings to cover your income for 1, 3 or 6 months?

Also, it’s important to consider whether an agreed or indemnity policy is suited to your needs. An agreed policy means your income is confirmed at the time of application and the benefit amount is agreed upfront. An indemnity style policy means that you will have to confirm your income when making a claim. If your income has decreased since you applied for cover, your benefit will be paid at the reduced amount, to align with your current income.

The right amount of cover for you will depend on your current income as well as your financial requirements. If you still have questions about how much cover you might need, we’re ready to take your call on 13 54 33.

How can I decide which cover type or product is right for me?

We have developed an easy-to-use tool to help you compare income protection products from leading life insurers in Australia. Use our comparison tool to compare the benefits, features and price to make a confident decision for your personal circumstances.

The right product for you will be based on a variety of factors and it should be a personal choice. If you need any help with specific features of a policy, just call one of our insurance consultants on 13 54 33, and they can talk you through the options available with Lifebroker.

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