Guardian Income Protection Insurance

Guardian Income Protection Insurance can help you maintain your lifestyle if you’re unable to work due to sickness or injury. 

You can get cover for up to 70% of your monthly income, up to $15,000 per month, meaning you can focus on what matters most – prioritising rest and recovery, so you can get back to enjoying the things you love with those you love.

Life Insurance Code of Practice

We proudly comply with the Life Insurance Code of Practice, so you can be sure you’ll receive the highest standard of service with our team.

The benefits of income protection insurance

There’s more to life with Guardian Income Protection Insurance – stay in control even if you’re unable to work due to sickness or injury. 

Open to Australian residents aged 18-60

If you work at least 15 hours a week, you can apply with no complicated forms or medical exams. 

Monthly benefit amount

Cover up to $15,000 per month, up to 70% of your income.

Premiums can be tax deductible

As your premiums are a work-related expense, they can be tax deductible. Reach out to a financial advisor to see if you qualify. 

Choose your waiting period

Apply for a waiting period of 30 or 90 days. This is the time you’ll have to wait before your income benefit payments are payable.

Rehabilitation benefit

If you actively participate in a rehabilitation program, you can receive an additional reimbursement of up to 50% of your income benefit each month, for up to 6 months, to a maximum of $3,000. Alternatively, you have the option to be reimbursed 6 times the income benefit to support your efforts to return to work.

Recurrent disability benefit

If you have to make another claim within 6 months of your last claim because your sickness or injury has reoccurred in that time, it’ll be counted as a continuation of the first claim. You won’t have to go through another waiting period before you’re paid a benefit.

Flexible benefit periods

Apply for a benefit period of 6 months, 1 year, 2 years, or 5 years. This is the duration you can receive benefits for while you can’t work.

Mental health coverage

Not only can you have cover for sickness and injuries that mean you’re unable to work, but you may also be covered for a mental health event or psychological condition.

Some things you should know  

  • Your monthly benefit amount and benefit period are dependent on the underwriting outcome.
  • Your income benefit payments will be based on either the monthly amount insured or 70% of your pre-tax income, whichever is less, and reduced by any other disability payments for your injury or sickness.
  • Your policy will expire on the policy anniversary after your 65th birthday.
  • This is a summary of the Guardian Income Protection Insurance policy. For full details including what exclusions apply, please read the Product Disclosure Statement.

Help protect your family’s quality of life if the unexpected happens

Award winning insurance

At Guardian Insurance we take pride in being recognised for delivering quality, award winning insurance to Australian families.

Why Guardian

security shield

Led by experience

We’ve been helping savvy Australians protect their life’s work for over a decade. You can rely on us.


Easy application

We offer straightforward insurance products that are easy to apply for, so you can take out cover with as little delay as possible.

Quick and simple

Hassle-free claims

Enjoy a quick, simple claims process with the support of our friendly customer service team. We’re here for you.

built on trust

Built on trust

Guardian Insurance policies are backed by some of the world’s most trusted underwriters. You and your family are in good hands.

Need to know more?

Important tools and resources

Frequently asked questions

What is income protection insurance?

Income protection insurance is designed to safeguard the income of employees and professionals like you. If you’re unable to work due to sickness or injury, income protection benefits can replace a portion of your usual earnings so that you can continue leading the lifestyle you’re accustomed to, while covering essential expenses like the mortgage, education, groceries, and bills.

With Guardian Income Protection Insurance, you can get up to $15,000 per month, up to 70% of your income, to help with maintaining your lifestyle.

Ready to protect your income?

Request a quote now to protect your earnings, or we can call you back at a time that’s ideal for you.

Exclusions applicable include but are not limited to, no cover for injury or sickness caused through an intentional or self-inflicted act, war or riot, engaging in criminal acts or associated with pregnancy or elective surgery. For further details please read the PDS.