Income Protection Insurance

Keep your lifestyle on track with flexible cover that supports your income

Secure your income. Safeguard your lifestyle.

If an illness or injury stopped you from working tomorrow, how long could you manage financially?

Income Protection Insurance is designed to pay you a monthly benefit, typically up to 70% of your income, if you’re unable to work due to illness or injury. It helps you cover essential living costs so you can focus on recovery, not financial stress.

Why Income Protection Matters

For many Australians, the ability to earn an income is their most valuable asset. Without it, bills still arrive. Mortgage payments continue. Groceries, school fees, utilities, they don’t pause when you’re unwell.

Whether you’re employed or self-employed, income protection ensures you have financial breathing room while you're off work. You can use the benefit to pay for:

Rent or mortgage repayments
Day-to-day living expenses
Medical and rehabilitation costs
School fees or childcare
Other personal or family needs

Worth It?
Why Us?

Is Income Protection Worth It?

Absolutely - especially if you:

Are self-employed or a small business owner
Have dependents or a mortgage
Rely heavily on your income to meet financial commitments
Want to protect your lifestyle and savings from unexpected setbacks

Income Protection premiums may also be tax-deductible when held outside super, making it a more financially savvy move.

Why Choose Focused Advisers?

At Focused Advisers, we’ll guide you through your options based on your unique circumstances and cash flow. We help you choose the right waiting and benefit periods, structure your policy correctly (inside or outside super), and compare insurers for competitive pricing and claims support.

If the need to claim ever arises, we’re here to support you personally, helping with paperwork, liaising with insurers, and making the process as smooth as possible.

Explore your Income Protection Insurance Options

Book a free intro call with one of our experienced financial advisers or download our brochure and discover how Income Protection Insurance can give you peace of mind, no matter what life throws your way.

Book Your Introductory Call Income Protection Insurance Brochure