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Income Protection Insurance – Protect Your Financial Health

  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo
  • Income Protection Bank Logo

At Insurance Focus, we take pride in helping people just like you find the most appropriate income protection insurance in Australia based on your specific needs, budget, goals and other considerations. Why should you worry about income protection insurance? What’s the point of income protection?

Consider this scenario: You’re injured outside the workplace and unable to work for several months, perhaps even years. Your health insurance covers initial medical care you need, but what about your other expenses? We all have them – car loan payments, home mortgage payments, utilities … you get the picture. What happens if you’re unable to uphold your financial responsibilities while out of work?

For most of us, it’s a grim situation. However, with income insurance, you’re protected. You’ll be able to pay the bills you owe while you recover from your injury or illness. Of course, you’ll need to obtain an insurance protection quote and then compare income protection insurance from various providers to ensure that you get the best protection.

How do we fit in? At Insurance Focus, we provide you with professional advice and guidance to help ensure that you’re getting the most appropriate income protection coverage for your needs. From obtaining an income protection insurance online quote to comparing life insurance, trauma insurance and more, we’re here when you need it. We are licensed financial advisers based in Perth, Western Australia, and our goal is to ensure that you have the solidity necessary to enjoy stable finances.

We invite you to contact us today for a quote on the best income protection insurance available, from top-rated Australian insurance companies. Compare income protection insurance from different providers, and choose the solution that offers the most protection for your money.

Speak with a Insurance Focus financial adviser today.

You’ll receive the best income protection, trauma insurance, total and permanent disability insurance or life insurance advice available.

We offer Free Insurance Quotes with no obligation to sign up for an insurance policy.

GET A FREE QUOTE

No “What IFs”.
Keep your life on track if you are unable to work due to sickness or injury.

Income protection insurance helps you replace some of your income if you’re unable to work due to sickness or injury. You can choose the proportion you wish to insure up to a maximum of 75% of your income. You also choose the maximum amount of time you would receive monthly payments – from 2 years up to age 70 in some cases. As long as you pay premiums and continue working, the cover is generally in place until you’re aged 65.

There’s a good chance you already have Income Protection Insurance or even Trauma Insurance, but it’s important to find out what insurance you have. You may discover that you’re well covered or have too much cover. To find out, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

older woman looking for a income protection quote

To find out if you already have income protection insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

Some people may also believe that Workers Compensation Insurance provides cover for sickness or injury. However, this is only the case if sustained at your workplace. Be aware that benefit payments are usually capped at 32 weeks and you will be required to prove negligence on the part of your employer in order for a benefit to be paid.

man who is happy with having income protection insurance

To qualify for an income protection benefit, the insurer will need to be satisfied that you are disabled and unable to work. However, the definition of disability differs across all Australian income protection policies. Instead, insurers use three different definitions to assess degrees of disability.

1, Duties-based disability: You will qualify for the full benefit amount when injury or illness prevents you from performing the income-producing duties of your occupation.

2, Hours-based disability: You will qualify for a full income protection benefit if you are unable to work in your own occupation for at least 10 hours per week.

3, Income-based disability: If illness or injury has led to a reduction in your income by 20% or more, your insurer will classify you as disabled.

A couple who have recieved a good income protection insurance quote

To find out if you already have income protection insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

A licensed financial adviser from Insurance Focus will help you understand the different options available plus find you a suitable income protection policy that provides you with adequate cover. Quotes from Insurance Focus are provided free of charge and there is absolutely no obligation to sign up for a policy.

happy blonde woman who now has income protection insurance

Most policies provide you with cover of 75-85% of your income.  However, you may also find insurance cover with a reduced benefit amount. But please consider what you would need to cover in the event that you were unable to work. It’s also worth noting that some insurers will only provide a maximum monthly benefit (such as $10,000 per month), so it’s worth checking to see exactly what you’ll get.

There’s a good chance you already have Income Protection Insurance or even Trauma Insurance, but it’s important to find out what insurance you have. You may discover that you’re well covered or have too much cover.  To find out, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

happy man with income protection cover

Step 1

Call

You or your nominated beneficiary (which could be your next of kin or the executor of your Will) simply call Insurance Focus on 1300 998 993.

Or Email

Email claims@insurancefocus.com.au to let us know that you will be lodging a claim.

Step 2

Speak to an Adviser

Your dedicated Insurance Focus financial adviser will contact you to take you through the claims process

Step 3

Complete Forms

Complete all forms provided by your Insurance Focus financial adviser and return them with all required documentation to:

Insurance Focus
PO Box 449,
Osborne Park,
WA 6917

Step 4

Insurance Focus will do the rest.

All valid claims will be assessed once the necessary completed documents are received and paid without unnecessary delay.

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$100 Gift Voucher

We’ll give you a $100 gift voucher when you sign a new insurance policy with Insurance Focus and provide feedback on your experience with us.

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Price Guarantee

You won’t pay extra with Insurance Focus as there are no added fees – It’s the same as going direct. Plus, we’ll also compare life insurance policies from all of Australia’s leading insurers for free!

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Free Policy Review

Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.