Disability Insurance
Income protection if you're unable to work due to disability.
Disability insurance, often referred to in Australia as income protection or total and permanent disability (TPD) cover, provides financial support if you become seriously injured or ill and can't work. Income Protection policies typically pay a monthly benefit (a percentage of your usual income, such as 75%) for a set period if you're temporarily or permanently unable to work due to illness or injury. TPD insurance usually pays a one-off lump sum if you become permanently disabled and are unlikely to work again. This type of cover helps ensure you can continue to pay living expenses, mortgages, and support your family when you can't earn an income due to disability.
Key Benefits
Income Replacement
Provides a replacement income (often up to around 75% of your normal salary) if you can't work due to illness or injury. This means you can still pay your bills and support your family even when your own paycheck stops.
Covers Illness & Injury
Protects against a wide range of health issues – from serious illnesses like cancer or a heart attack to severe injuries from accidents. Whether you're hurt on the job or outside of work, you're covered (unlike workers' compensation which only covers work-related incidents).
Long-term Financial Security
Offers peace of mind that even if you're permanently disabled and can't return to work, you'll receive financial support (through a lump sum with TPD cover or ongoing payments with income protection). This security helps protect your family's lifestyle and future if the unexpected happens.
Insurance Products We Offer
Frequently Asked Questions
Disability Insurance
Why spend hours comparing quotes for your Insurance. One request and quotes come to you.
No obligations. No pushy sales. Just honest insurance advice.