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Income protection cover

When you’re working hard to create a comfortable lifestyle for yourself and your loved ones, it’s worth considering how you would manage financially if you were unable to work because of an accident or injury.

Your ability to earn an income is one of your most valuable assets – and income protection insurance can make all the difference. It acts as a financial safety net, by providing a regular payment if you’re out of work for a period of time due to illness or injury.

How does it work?

Income protection pays you a monthly benefit of up to 70% of your income to help cover living expenses while you’re unable to work. This takes the pressure off so you can focus on your recovery until you’re back on your feet.

Our flexible cover options put you in control of how soon benefits start after disability, how much you’ll receive, and how long you’ll receive payments for. We’ll also stay in contact with your medical team to make sure you’re on the right path to get better before you go back to work.

At Zurich, we’re committed to helping you make a safe return to health and work. That’s why we work with your medical practitioner to make sure you’re getting the best treatment possible.

And because we understand that sickness and injury can be a stressful period for you and your loved ones, our dedicated claims team is on hand to guide you through the claims process to help ensure you receive financial support when you need it most.

Key features and benefits

  • Tailored cover: Set your benefit amount up to 70% of your annual income – so you only pay for what you need.
  • Support for your recovery journey: We provide access to rehabilitation or retraining programs to help get you back to work.
  • Premium waivers: You won’t have to pay any premiums while you’re receiving a monthly benefit.
  • Inflation protection: Your cover automatically increases each year, so it can keep up with inflation.

This is a summary of key features only. Please refer to the relevant Product Disclosure Statement for full details.

Our income protection products

Wealth Protection

Wealth Protection is a flexible suite of life insurance solutions – including death, TPD, trauma and income protection cover.

Zurich Active

Zurich Active is a unique severity-based policy with an extensive list of covered health events, designed to cover a broad spectrum of life’s possible setbacks.

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Ezicover Income Protection Insurance

Ezicover is Zurich’s range of "do it yourself" online life insurance and income protection products, and can help you and your family cover everyday expenses, bills, and commitments while you are recovering.

There are different ways you can buy Zurich life insurance. Choose an option that best suits you.

Through a financial adviser

Everyone is different and everybody's circumstances are unique. A financial adviser can help you make sense of your current financial situation, as well as your goals for the future, to ensure you get the right level of cover in place to suit your individual circumstances. Talking to a financial adviser means you can rest assured you are making the most of our products' unique features and options, both today and into the future. It can also help you structure your cover in a way that delivers the best value for money and best suits your cash flow and tax objectives.

Directly from us

Zurich Ezicover is a range of simple life insurance products available directly from us via an online application. If you know what type and amount of cover you need, Ezicover might be suitable for you.

❯ Get an online quote here

Find an adviser

Zurich provides a free service that can connect you to an independent financial adviser:

ASIC’s MoneySmart website also has valuable information on what to look for when choosing a financial adviser.