Protect Your Ability to Earn
Clear guidance on the cover you need, why it’s important, and how to find the right protection at a competitive price.
Why Income Protection Matters
Your Income Drives Everything
For most people, their ability to earn an income underpins their entire financial position — from paying a mortgage to funding daily living expenses and supporting their family.
If that income stops, even temporarily, the financial impact can be immediate.
Income protection is designed to provide a regular monthly benefit to help replace a portion of your income while you’re unable to work due to illness or injury.
How It Works
Structured Support When You Need It Most
Income protection policies are designed with key components that determine how and when you’re covered:
Waiting Period
The period between when you stop working and when benefits begin (commonly 30, 60, or 90 days).
A longer waiting period may reduce premiums but requires you to cover expenses in the short term.
Benefit Period
The maximum duration you may receive payments while unable to work (commonly 2 years, 5 years, or to age 65).
Longer benefit periods provide extended protection but generally increase the cost.
Monthly Benefit
Typically structured as a percentage of your pre-tax income, designed to help cover ongoing living expenses and financial obligations.
What It Can Help Cover
Keeping Life Moving Forward
Income protection can assist with:
- Mortgage or rent payments
- Household bills and living expenses
- Debt repayments
- Business-related obligations (for self-employed individuals)
- Maintaining your family’s standard of living
Why Structure Matters
Not All Income Protection Is the Same
Income protection isn’t just about having a policy — it’s about having the right structure in place.
Key considerations include:
- Whether the policy is held personally or within superannuation
- How income is defined (salary, dividends, business income)
- Tax treatment of premiums and benefits
- Alignment with your broader financial and business structure
A poorly structured policy may leave gaps in coverage or unexpected limitations at claim time.
Who Should Consider It
If You Rely on Income, It Matters
Income protection is particularly important if you:
- Are employed or self-employed and rely on regular income
- Have financial dependants
- Carry debt such as a mortgage or business liabilities
- Do not have sufficient savings to cover extended time off work
For many working individuals, protecting income is a core part of a well-rounded protection strategy.
Our Approach
Clarity, Structure, and Ongoing Support
We take a structured approach to income protection advice:
- Assess your income streams, expenses, and financial commitments
- Identify gaps and risks that generic policies may overlook
- Recommend tailored solutions aligned with your situation
- Ensure the ownership and structure of your policy is appropriate
- Provide ongoing reviews as your circumstances evolve
And when it matters most, we support you through the claims process — advocating on your behalf to achieve the best possible outcome.