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General Insurance > Income Protection Insurance

Over 423 insurance brokers for Income Protection Insurance

Over 423 insurance brokers for Income Protection Insurance

Income Protection Insurance - Protect your family and your future. Talk with an insurance broker about your income protection needs.

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Diford Insurance Brokers

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AB Insurance Solutions

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Over 53 insurance brokerages for Income Protection Insurance

Over 53 insurance brokerages for Income Protection Insurance

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Infinity Insurance Advisers

Infinity Insurance Advisers is a...

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Insurisk Solutions Pty Ltd

InsuRisk Solutions, a leading in...

Income Protection Insurance

Income Protection Insurance protects your income if you're unable to work due to partial or total disability. It will generally pay up to 85% of your pre-tax income for a period of time to help cover living costs while you recover.

Income Protection Insurance covers your income (paying back up to 85%) in the case that you suffer an injury that leaves you unable to work due to partial or total disability. The definition of partial or total disability is different for different policies and there will be exclusions in place. You should check policy coverage and exclusions with your insurer or insurance broker.

Income Protection Insurance does not cover unemployment or redundancy.

Other types of insurance may cover you for associated difficulties in the case of partial or total disability. This includes Health Insurance, TPD Insurance and Trauma Insurance.

Income Protection Insurance cost is dependent on various factors about you including:

  • the income level you want to insure
  • your occupation
  • your age
  • your gender
  • lifestyle factors, including if you smoke
  • pre-existing conditions

Your Income Protection Insurance premium is also dependent on how you choose to structure your insurance cover, including your choices around:

  • waiting period
  • benefit period
  • whether you pay annually or monthly
  • whether you choose a stepped or level premium

Your insurance broker can guide you to choose a cover and policy structure that is right for you. They can shop around with different Income Protection Insurance providers for the best deal for your situation.

Using an Insurance Broker for your Income Protection Insurance ensures that you have managed your unique risks. Every personal situation is different and an insurance broker can help by assessing your specific risk profile and providing advice on the best Income Protection Insurance cover for you.

An insurance broker is able to compare policies from different Income Protection insurers and take into account your financial preferences around excesses and payments, any pre-existing medical conditions you may have and what your occupation is.

An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether you're a doctor or nurse, CEO or builder, your Insurance Broker can assist you to find the best cover for you.

About Insurance Brokers

Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.

Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.

Insurance Brokers work for the customer and are independent of the insurers that they engage with on behalf of their clients. Insurance Brokers work for their customers and have their customers' best interests at heart. Insurance Brokers do not work for the insurer. Insurance Brokers help their clients to find and source available insurance that matches their needs and requirements.

Insurance brokers help clients to reduce their risk by sourcing and matching their clients with appropriate insurance products. Insurance brokers work for their customers. Insurance brokers focus on understanding their customers' risks and exposure and their insurance requirements.

With almost 4000 Australian Insurance Brokers on Advisr, Advisr is the best place to find an insurance broker right for you. Asking for recommendations from others in your industry or area is a good place to start in looking for an insurance broker. You can search for that insurance broker on Advisr by name.

You can also search for an insurance broker by the type of insurance you need (insurance category), by your industry or by location depending on what is most critical to you. You can learn more about what a broker is like to work with by reading customer reviews left on Advisr. Educating yourself and reading articles by insurance brokers that explain different insurance lines, or dissect exposure to risk in different industries also helps you to find and select an insurance broker that understands your business or personal risk. We have hundreds of articles on Advisr to help you understand your insurance needs and find an insurance broker right for you.

Income Protection Insurance FAQs

Income Protection Insurance may be required by individuals and businesses in Professional Services, Legal Services, Engineering, Accountants, Financial Services, Bookkeeping, Management Consultant, Project Managers and Tax Agents.

Types of insurance that you may also consider alongside Income Protection Insurance include Business Insurance, Small Business Insurance, Key Man Insurance, Key Person Insurance, Business Interruption Insurance, Life Insurance, TPD Insurance, Trauma Insurance and Health Insurance.

Talk to an insurance broker specialising in Income Protection Insurance to find out if you need Income Protection Insurance.

Advisr has 423 insurance brokers and 53 insurance brokerages specialising in Income Protection Insurance. To find the right insurance broker who specialises in Income Protection Insurance, check out this page for specialist Income Protection Insurance Brokers.

  • Read real customer reviews to learn more about them
  • Educate yourself about Income Protection Insurance by reading articles written by insurance brokers that explain Income Protection Insurance
  • Ask friends or colleagues to refer their Income Protection Insurance broker to you and look them up on Advisr to read their reviews and connect with them.

Advisr is built to help you understand your insurance needs and find an insurance broker that is right for you.