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Insurance Advisory Service
  • Home
  • Our services
    • Our Client Journey
    • Personal Insurance
      • Income Protection Insurance
      • Life Insurance
      • Total and Permanent Disability insurance
      • Trauma Insurance
      • Health insurance
      • Home Contents Insurance
      • Motor Insurance
      • Landlord Insurance
    • Business Insurance
      • Business Expenses
      • Business Interruption
      • Business Property
      • Buy Sell Agreements
      • Commercial Vehicle
      • Cyber Protection
      • Group Income Protection
      • Key Person
      • Management Liability
      • Marine Transit
      • Professional Indemnity
      • Public Liability
    • Financial Advice
      • Estate Planning
      • Investments
    • Superannuation
      • Retirement Planning
      • Self Managed Super Funds (SMSF)
      • Wealth Accumulation
  • Resources
    • Videos
    • EOFY
    • E-Books
  • News & views
  • About
    • The IAS approach
    • The IAS Investment Philosophy
    • Case Studies
      • Trauma Insurance Case Study
      • Business Property Insurance Case Study
      • Business Interruption Case Study
      • Superannuation Case Study
      • Workers' Compensation and Income Protection Case Study
      • Contract Review Case Study
    • Testimonials
    • Affiliates
    • Frequently Asked Questions
    • Compliance

Income Protection Insurance

  • Call 02 8268 2900
  • Find out more
  • Schedule time with me

Most of us insure our homes and our cars but too many Australians fail to protect their most important day-to-day asset – their income.

If you were unable to work for a period of time due to sickness or injury, what would be the repercussions on your family, your lifestyle, your financial security, or your business?

Do I need Income Protection Insurance?

Whether you’re single, married, with children or without, employed or run a business – failure to insure your income, or insuring it incorrectly, can have dire results. In the wake of an accident or unforeseen event, Income Protection Insurance can be the difference between an unmitigated disaster and a transient, unfortunate event.

What can Income Protection Insurance cover?

Income Protection Insurance protects your ability to earn; typically, by paying a monthly benefit for up to an agreed amount (generally 75% of your income).

Other things to consider

The premiums paid for Income Protection Insurance are usually tax deductable; however, you will need to declare any payments on your taxes.

You may also be able to obtain Salary Continuance Insurance through your superannuation fund. This provides some protection if you are unable to work for a period of time due to illness, injury or accident. However, Salary Continuance Insurance is not the same thing as Income Protection Insurance, which is more comprehensive and offers better benefits.

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ABOUT US

Incorporated for over 40 years ensures experience, knowledgeability and skill at identifying unforeseen risks and producing effective strategies. Unlike most brokers, we do not rely upon mathematical formulas or statistical models generated by computers to produce solutions– we believe every client is unique and our approach is tailored accordingly.

CONTACT US

Street Address
Level 2, 273 Alfred Street
North Sydney, NSW 2060
Postal address
PO Box 1073
North Sydney, NSW 2059
Call: (02) 8268 2900

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