Business Insurance Online Income Protection Insurance Calculator

Use this disability income protection insurance calculator to determine the monthly disability income protection insurance benefit that you qualify for.

Simply enter your personal gross income in the space below, select the frequency that you receive your current income and press [calculate] to determine the amount of cover you qualify for.

* Notes:

• Most insurers limit the amount of income insurance that you can buy to 75% of your gross income.
• If you are self-employed or operate your own business you may qualify for additional cover and benefits.
• Your Gross Income figure should represent only your income from personal exertion, not investment income.
• This calculator is provided as a rough guide only. You should seek professional advice from a licensed income insurance specialist before making decisions relating to something as important as income protection insurance!

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Kell to Lead Comprehensive Review of Australia's Life Insurance Code 01 Aug 2025: Paige Estritori Starting on October 1, a comprehensive review of the voluntary Life Insurance Code of Practice will commence, with a focus on assessing the effectiveness of revisions made to its regulations and standards in 2023. The Council of Australian Life Insurers (CALI) has appointed Peter Kell to lead this independent review and deliver the final report by June 30 next year. - read more

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Reviving Australia's Troubled Insurance Industry: Opportunities and Challenges 30 Jul 2025: Paige Estritori Australia's retail life insurance sector is facing significant challenges despite generating approximately $9.4 billion in annual premiums. Upon closer examination, it's evident that this industry is under strain. Growth is primarily driven by price increases rather than the addition of new clients, signalling concerns for long-term sustainability. New business growth hovers around 8-9% annually, not enough to adequately bolster the sector. - read more

NSW Government Warns of Financial Impact from Stall in Workers' Compensation Reform 29 Jul 2025: Paige Estritori The New South Wales government has issued a stark warning regarding potential financial consequences if proposed reforms to workplace mental injury laws are delayed further. As an upper house committee gathers to discuss these changes, Treasurer Daniel Mookhey highlights the urgency, stating that setbacks will result in increased premiums. - read more

AFCA Rejects Traveller's Insurer Claim for Alternative Flight Costs 25 Jul 2025: Paige Estritori An Australian travel insurance policyholder faced disappointment as the Australian Financial Complaints Authority (AFCA) denied their claim for reimbursement of costs incurred due to changing travel plans amid threats of a pilot strike. The traveller, who rearranged his flights from Sydney to Vancouver and subsequently to Toronto, had hoped his insurer, AIG Australia, would cover the $5,576 expenses for the rebooked flights and additional accommodation. - read more

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Knowledgebase

Aggregate Limit:
The maximum amount an insurer will pay for all covered losses during a policy period.