Income replacement
Up to 70% of your income replaced during illness or injury
INCOME PROTECTION · QUOTES
Get an Income Protection Quote in 60 Seconds
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 12.5% premium return 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 in our full Income Protection Guide.
Why Choose Our Income Protection Insurance (Australia)
Annual rebate
12.5% annual premium rebate - more value, less waste
Online application
Apply online - simple, secure, and done in your time
Policy transfer
Keep your existing policy - and still receive rebates
Renewal reminders
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:
Apply fully online, access top-rated cover, and receive 12.5% of your premium back every Year - no adviser required.
Protect income
Protect up to 70% of your income while you recover
Match cash flow
Choose waiting periods and benefit lengths that suit your cash flow
Partial benefits
Keep working part-time and still receive partial benefits
Tax treatment
Get tax deductions on premiums in most cases
Ready to see your quote?
Compare income protection cover and adjust options before you apply.
How to Get Income Protection Insurance
Three simple steps to protect your income.
- 1
Complete Needs Analysis
Use our smart tool to calculate how much cover you may need based on your income and lifestyle.
- 2
Compare Quotes Instantly
Get personalised quotes from top insurers like Zurich, AIA, and more - side by side.
- 3
Apply or Transfer Online
Apply online or book a call to secure your future.
Frequently Asked Questions
What does income protection insurance cover in Australia?
It covers up to 70% of your income if you can't work due to illness or injury - helping you meet ongoing expenses.
Is income protection insurance tax-deductible?
Yes, for most people, premiums are tax-deductible when the policy is held outside super and covers income loss.
Can I keep my current policy and still get a rebate?
Yes - many of our clients stay with their insurer and simply receive the commission refund through us. That's usually around 10% of your annual premium.
How are commissions rebated?
We rebate 50% of the adviser commissions we receive for your policy directly back to your bank account. That's around 12.5% of your annual premium.
How much of my income can I cover?
Most insurers allow you to cover up to 70% of your pre-disability income. You can also add extras such as superannuation contributions (which pay up to 10% into your super while you're on claim) or an indexation feature that increases your benefit annually with CPI to help keep pace with inflation - a key consideration in today's economic climate.
Do I need Income Protection if I have sick leave?
Sick leave can help with short-term absences, but income protection provides long-term financial support if illness or injury keeps you from working. When selecting a waiting period, consider how much sick leave and savings you have available - longer waiting periods can reduce your premium.
Start Your Income Protection Quote and Claim 12.5% Premium Cashback
Protect your income the smarter, fairer way. Compare Australia's top insurers - and get half of your commissions refunded.