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Income Protection Insurance

Your home, car, food, clothing, children’s education – all depend on your income. That’s why for many the loss of income resulting from the inability to work due to sickness or injury can cause serious financial hardship.

When you think of how your lifestyle could be affected, it simply doesn’t make sense to overlook this important cover. With Guardian Income Protection Insurance you can insure for up to 75% of your monthly Pre-Tax income to a maximum of $10,000* per month, if you are unable to work for an extended period due to sickness or injury. Plus with Guardian there is a range of optional benefits that you can apply for with your Income Protection Insurance.

More information about Income Protection Insurance

* Subject to a maximum of 75% of your monthly Pre-Tax Income.

  • Overview
  • Benefits
  • Options
  • FAQ
  • Downloads


Guardian Insurance offers easy to apply for Income Protection Insurance to help secure your most valuable asset – your income. With Guardian Income Protection Insurance you can insure for up to 75% of your monthly Pre-Tax income to a maximum of $10,000* per month, for 6 months, 1 year, 2 years or 5 years, depending on which option you choose. You also have the option to include rehabilitation benefits designed to help you get back to work, and other optional benefits to help provide greater peace of mind.

* Subject to a maximum of 75% of your monthly Pre-Tax Income.


  • Working Australian residents aged 18 to 59 can apply
  • Up to $10,000* monthly income benefit
  • Choose your benefit period – from 6 months, 1 year, 2 years or 5 years
  • Choose your waiting period – 30 or 90 days
  • Optional Rehabilitation benefits to help you get back to work
  • Premiums are generally tax deductible
  • No medical examination or blood test to qualify
  • Apply over the phone - no forms to fill out
  • Optional Homemaker Insurance
  • Monthly or fortnightly payment options
  • 30 day money back guarantee

* Subject to a maximum of 75% of your monthly Pre-Tax Income.


Rehabilitation Benefits

Pays an additional income benefit to assist with rehabilitation program costs, plus a benefit to help pay for return to work costs, such as special equipment to assist you to re-enter the workforce or workplace modification.

More information about Children Insurance Option

Homemaker Insurance

Pays a benefit up to $1,000 per month for up to six months if the Homemaker is unable to perform three Domestic Duty Tasks due to illness or injury. 

More information about Homemaker Insurance Option

Children’s Insurance

From $20,000 up to $50,000 benefit paid if your child was unfortunate enough to suffer a wide range of serious injuries or illnesses – meningitis, paralysis, and encephalitis, for example. The benefit is also paid in the event of accidental death.

Children’s Insurance can help with extra costs that may be incurred for things like medical expenses and school tuition.  

More information about Children’s Insurance Option

Final Expenses Insurance

Provides a benefit amount of $50,000 payable upon death to help with your funeral and other expenses.

More information about Final Expenses Insurance


What benefit will I receive?

When would the benefit payments start and for how long would I receive them?

How long can I keep my Income Protection Insurance?

Will my premiums go up?

Can I cover my partner too?

Do you require medical evidence for my application?

Is financial evidence required for my application?

What happens if I return to work, and then find I need more time to recover?

Can I change my level of cover when I need to?

How does the benefit work?

Do I have to pay premiums while I am unable to work?

I have life insurance; do I need income protection insurance?

Does my occupation affect my premium?

How much income protection cover do I need?

I am a smoker, can I still be covered?

Are there any age restrictions?

Are my premiums tax deductible?

What if I change my mind?

What happens if I get sick or injured overseas, would I still be covered?

How can I use the money I receive if I have to make a claim?

I have sick leave at work, how long should my Waiting Period be with my Income Protection Insurance?

I play a competitive sport, does this affect my application for Income Insurance?

If I am receiving medical benefits, does this affect the Income Benefit I get paid?

How are premiums payable?

How do I apply for the cover?

If I cancel the policy do I get anything back?

When does my cover begin?

How do I make a claim?

My family has a history of medical problems, will this affect my application?

I work part time; can I still take out cover?

Is this cover available to the self employed?

I look after the family and am not on a salary, can I take out cover?

Are there any exclusions?

What about Worker’s Compensation – is my income not already covered?

  • 30-day money
    back guarantee
  • No medical exam
    No blood test to apply
  • Worldwide cover 24/7