We offer a range of income protection products including Income Care, Income Care Plus, Income Care Platinum, Income Care Super (within Total Care Plan Super), Essential Cover (for accidents only), Income Protection (within the SMSF Plan) and Business Overheads Cover.

Income protection pays up to 75% of your clients' income when they’re unable to perform all or part of their occupation due to injury or illness. 

Business Overheads Cover helps pay your clients business’s regular fixed operating expenses while they’re unable to work.

 

 

 

Income Care, Income Care Plus and Income Care Platinum

Income Care and Income Care Plus is available outside superannuation and provides up to 75% of the insured’s income when they are unable to perform all or part of their occupation.

You should consider income protection if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Would need money to live on if they couldn’t work
  • Doesn’t have sufficient savings to cover unexpected expenses.

 

 

Learn more

Income Care Super

Income protection inside Total Care Plan Super covers up to 75% of the insured’s income when they are unable to perform all or part of their occupation.

You should consider income protection if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Would need money to live on if they couldn’t work
  • Doesn’t have sufficient savings to cover unexpected expenses.

 

 

Learn more

Income protection in SMSF

Income protection inside the SMSF Plan covers up to 75% of the insured’s income when they are unable to perform all or part of their occupation.

You should consider income protection if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Would need money to live on if they couldn’t work again
  • Doesn’t have sufficient savings to cover unexpected expenses.

 

 

Learn more

Business Overheads Cover

Business Overheads Cover is available outside super, it provides up to 100% of the insured’s regular fixed operating expenses while they are unable to work.

You should consider Business Overheads Cover if your client:

  • Has a business, is self-employed or is a company director/key person.

 

 

 

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Essential Cover

Essential Cover is available inside and outside super as well as SMSF, it provides up to 75% of income in the event of an accident and are indemnity contracts.

You should consider Essential Cover if your client:

  • Can’t get standard income protection due to pre-existing illnesses
  • Prefers a cost effective option to meet budget considerations.

 

 

Learn more

Business Overheads Cover

Business Overheads Cover is available outside super, it provides up to 100% of the insured’s regular fixed operating expenses while they are unable to work.

You should consider Business Overheads Cover if your client:

  • Has a business, is self-employed or is a company director/key person.

 

 

 

Learn more
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