Get an Income Protection Quote in 60 Seconds
Protect Your Income and Get 12.5% of Your Premium Back
If illness or injury stops you from working, Income Protection Insurance can replace your regular income — helping you safeguard your lifestyle, support your family, and stay financially secure.
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We work with trusted names like NEOS, Zurich, AIA, MetLife, and more. Fill in a quick form and we'll show you tailored cover options — and how much of your premium you could get back.
You'll see real quotes based on your choices, including how much you could save with our 50% commission rebate model.
How Does Income Protection Work in Australia?
Income protection insurance provides monthly payments—typically up to 70% of your income—if you're unable to work due to illness or injury. It's essential for self-employed professionals, contractors, and high-income earners looking to protect their cash flow.
You can tailor your cover with waiting periods, benefit periods, and optional extras like superannuation protection or indexation. Plus, premiums may be tax deductible if held outside of super.
Read more about Income Protection here.
✅ Why Choose Our Income Protection Insurance (Australia)
- Up to 70% of your income replaced during illness or injury
- 12.5% annual premium rebate - more value, less waste
- Apply online - simple, secure, and done in your time
- Keep your existing policy - and still receive rebates
- Automatic reminders - so you never miss a renewal
“It wasn't until I signed up with Keep and transferred my policies—with no changes to cover and no underwriting—that I found out I could save 20% on my premium. It's allowed me to keep my life cover for longer than I would have otherwise, and I feel great about that security for my family.”
– Greg, NSW
💸 What Is a Commission Rebate on Income Protection Insurance?
Life insurance advisers earn commissions that are often built into your premiums. Our model is different: to reward you for self-serving we rebate 50% of these commissions - around 12.5% of your premium. Allowing you to protect your income for less.
💼 Income Protection for Self-Employed Australians
If you're self-employed, being unable to work due to illness or injury doesn't just impact your income — it can threaten your entire business. That's why income protection insurance is crucial:
Protect up to 70% of your income while you recover
Choose waiting periods and benefit lengths that suit your cash flow
Keep working part-time and still receive partial benefits
Get tax deductions on premiums in most cases
Apply fully online, access top-rated cover, and receive 12.5% of your premium back every Year — no adviser required.
⚙️ How to Get Income Protection Insurance
Three simple steps to protect your income.
Complete Needs Analysis
Use our smart tool to calculate how much cover you may need based on your income and lifestyle.
Compare Quotes Instantly
Get personalised quotes from top insurers like Zurich, AIA, and more — side by side.
Apply or Transfer Online
Apply online or book a call to secure your future.
💡 Frequently Asked Questions
🙌 Start Your Income Protection Quote and Reclaim 50% Commission
Protect your income the smarter, fairer way. Compare Australia’s top insurers — and get half of your commissions refunded.