Income Protection Insurance

Help keep your life on track if you are unable to work due to sickness or injury.

badge-award-income.png
Why insure with AAMI?
  • Trusted by 2.8 million Australians1
  • Apply online or over the phone
Get a quick quote

Why is Income Protection important?

Help keep your life on track if you are unable to work due to sickness or injury.

Income Protection is designed to help you get back on your feet, covering up to 75% of your monthly income up to $10,000/month if you’re unable to work due to sickness or injury.

We’ll pay a monthly benefit into your bank account so you’re able to stay on top of bills and help maintain your lifestyle while focusing on your recovery.

Want to learn more about Income Protection? Click here to watch a 60 second video

It’s up to you how you use your monthly payment, it might help cover

  • Rent or mortgage payments
  • Bills and credit card repayments
  • Childcare and school fees
  • Or even basics like food, clothing or petrol

Why is Income Protection important?

Help keep your life on track if you are unable to work due to sickness or injury.

Income Protection is designed to help you get back on your feet, covering up to 75% of your monthly income up to $10,000/month if you’re unable to work due to sickness or injury. We’ll pay a monthly benefit into your bank account so you’re able to stay on top of bills and help maintain your lifestyle while focusing on your recovery.

Want to learn more about Income Protection? Click here to watch a 60 second video

It’s up to you how you use your monthly payment, it might help cover:

icon-home--secondary-40px.png

Rent or mortgage payments

icon-pay--secondary-40px.png

Bills and credit card repayments

icon-education--secondary-40px.png

Childcare and school fees

icon-motor--secondary-40px.png

Or even basics like food, clothing or petrol

What's included?

Features and Benefits

  • Cover up to 75% of your monthly income

    Get a monthly payment if you’re off work due to sickness or injury. Insure up to 75% of your monthly income up to $10,000 per month.

  • Choice of payout period

    People who are seriously ill or injured require extra time to recover. AAMI Life offers you a choice of 1- and 2-year benefit periods.

  • Do it all online with no medical tests required

    Apply in minutes and if you qualify get immediate cover. All you need to do is answer a few simple questions about your health and lifestyle.

  • 24 hour worldwide cover

    We cover you when you’re at work, outside of work, and even overseas. See Product Disclosure Statement for more details on cover while overseas.

  • Pay no premium while claiming

    To help maximise your income so you're able to stretch every dollar further, we waive your premiums while you're claiming.

  • Guaranteed renewal up to age 65

    Guaranteed renewal until you turn 652, unless your cover stops earlier. Plus increase or decrease your cover amount with no waiting times.

  • Easy claims process with a dedicated claims manager

    Claiming is quick and simple, just call 13 22 44. A dedicated claims manager will oversee your claim from the moment you call us through to when we pay out your claim. View our claims process and what you’ll need.

Applying is quick and easy
  • No lengthy forms or medicals
  • Get a quote in 30 seconds
Get a quick quote

What's not covered?

Unfortunately some events will not be covered by your policy

Death

Income protection is designed to help you get back on your feet. If you are interested in death cover then we recommend you look into our Life Insurance.

Some medical conditions

There are a small range of conditions including mental illness which are not covered. Read the Product Disclosure Statement or call 13 22 44 for more information about this.

You might also be interested in

Insurance to protect against accidents only

Receive an upfront lump sum rather than a monthly benefit, for a number of common injuries.

Find out more 

You might also be interested in

Business Insurance

Insure your business's contents and stock against loss, theft or damage

Find out more 

How to claim in 3 easy steps

In the unfortunate event that you need to make a claim, we’re here to ensure that you receive all the help you can get, as quickly and painlessly as possible. We know it’s a stressful enough time as it is.

icon-phone--secondary-40px.png

1. Call us

Call us on 13 22 44 as soon as possible after the event

icon-email--secondary-40px.png

2. Receive a claims pack

We will send you a claims pack to fill in

icon-checklist--secondary-40px.png

3. Complete form

Send us the completed claim form & requested info

How to claim in 3 easy steps

1. Call us on 13 22 44 as soon as possible after the event

2. We will send you a claims pack to fill in

3. Send us the completed claim form & requested info

Income Protection

Frequently asked questions

 

Join the 2.8 million Australians who "turn to AAMI"

icon-australia--secondary-40px.png

Insurance you can trust

Trusted by 2.8 million Australians with their insurance needs1.

icon-person--secondary-40px.png

Talk to a real person

Australian based call centres there to support you when you need us most.

icon-award--secondary-40px.png

Award winning insurance

Winner of the 2014 Plan for Life - Direct Life Insurance Overall Excellence award.

Call 13 22 44 if you have any questions

1. Includes customers of both AAI Limited and Suncorp Life & Superannuation Limited which hold AAMI branded products
2. Eligibility criteria and policy terms apply.