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The average annual income before personal deductions and income tax, and including all overtime and all allowances actually paid to you which was earned from personal exertion during your normal occupation in the preceding 52 weeks.
Smoker means the person has smoked tobacco or any substance in any form in the 12 months immediately before completion of this application for insurance.

If you are purchasing cover within your Super Fund then you are not able to buy the Normal TPD or Trauma products.

You may still purchase these products from us but they must be outside of your Super Fund in a separate policy.


What is Income Protection?

Income protection insurance is a product that replaces some of your income if you're unable to work due to illness or injury.

The majority of policies will provide you with a fortnightly or monthly benefit payment up to 75% (some up to 85%) of the income amount you’ve insured.

Typical product design is a 30, 60 or 90 day waiting period (when you don’t receive any benefits) and a two-year benefit period.


What is Accidental Death?

Accidental Death pays your Estate a benefit upon your death from an injury. It differs from Life insurance because it will not pay a benefit if the death is caused by an illness.

It would be paid in addition to any life insurance benefit you were entitled to and is significantly cheaper to buy because it only covers injury.

Typically, the sum insured would be in the range of $100,000 to $1,000,000, depending on your circumstances.


What is Total Permanent Disablement (TPD)?

TPD is a product that pays you a lump sum amount if you suffer a serious illness or injury that leaves you unable to work again on a permanent basis.

It is often purchased in addition to Income Protection. The sum insured needs to take into account your permanent inability to earn an income from working. A good way of calculating it is to think in terms of a multiple of your income. For example, 10 times your income should effectively provide you with 10+ years of your current income to live off. 

So Income Protection can be viewed as the shorter-term solution to get you back on your feet whilst hopefully reaching full recovery. TPD is the long-term solution for a permanent disability.


What is Trauma?

Trauma Insurance provides you with a lump sum payment if you suffer a serious medical condition such as a heart attack, stroke or cancer. A trauma benefit is typically used to:

  • Pay off immediate medical bills and rehab expenses
  • Replace income and take care of your ongoing costs
  • Protect you against future debts
  • Take a holiday and time away from work

Trauma insurance can be bought separately but is usually bought in conjunction with death, income protection and TPD cover.

The sum insured could range from $50,000 to $500,000 – a lesser amount when it’s bought in conjunction with the other products, a higher amount if it’s bought standalone.


This will only be used if we need to contact you regarding your quote and will never be given to third parties.

Please tick if you would like us to give you a call about your quote. You are able to complete the entire application online without talking to us on the phone. We will not call you unless you tick this box.

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From a quote to fully covered in under 10 minutes, no phone calls required.

We can cover up to 85% of your income and offer the highest levels of cover in the market.