Income Insurance Australia :: Calculators

Income Insurance Australia Financial Calculators

Welcome to Income Insurance Australia, where we're excited to offer you these interactive calculators to empower you on your financial journey.

Available Calculators

Life Insurance Calculator
Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.
Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.


Life Insurance Articles

Income Insurance: Common Misunderstandings that Could Cost You
Income Insurance: Common Misunderstandings that Could Cost You
When life throws unexpected challenges your way, income insurance can be a financial lifesaver. Essentially, it's a policy designed to replace a portion of your income if you're unable to work due to illness or injury. Imagine not having to worry about bills piling up while you focus on recovery. That's the peace of mind income insurance aims to provide. - read more
Illness and Your Finances: Strategies for Continuous Income Flow
Illness and Your Finances: Strategies for Continuous Income Flow
When illness strikes, the impact on your finances can be as significant as on your health. Maintaining continuous income flow during such times is crucial for financial stability. - read more
Income Insurance: The Safety Net for Your Financial Goals in Australia
Income Insurance: The Safety Net for Your Financial Goals in Australia
Financial security is pivotal for anyone striving to meet their life goals, be it owning a home, educating children, or ensuring a comfortable retirement. In Australia, where uncertainties can disrupt our best laid-out financial plans, having a safety net in place is essential. Income insurance offers just that—protection against the unforeseen events that could impact your income earning abilities. - read more
How Pre-Existing Conditions Affect Your Income Protection Insurance Options
How Pre-Existing Conditions Affect Your Income Protection Insurance Options
Income protection insurance is a type of insurance policy designed to provide you with a continuous flow of income in case you are unable to work due to illness or injury. It's a safety net that helps ensure you can maintain your standard of living, even when unforeseen health issues arise. - read more
Breaking Down Common Income Protection Insurance Terms
Breaking Down Common Income Protection Insurance Terms
Income protection insurance is designed to provide financial support if you're unable to work due to illness or injury. It aims to replace a portion of your income during such times, ensuring you can maintain your lifestyle and meet financial obligations. - read more

Insurance News

Chronic Illness Risk Puts Fresh Focus on Income Insurance
Chronic Illness Risk Puts Fresh Focus on Income Insurance
15 Jul 2026: Paige Estritori
New research highlighted by Zurich has put a timely spotlight on a major challenge for Australian workers: people are living longer, but many are also spending more of those years managing chronic health conditions. For households that rely on a regular wage, salary, business income or contract work, this trend reinforces why income insurance is not just a product for sudden accidents. - read more
Income Protection Demand Rises as Australians Revisit Personal Cover
Income Protection Demand Rises as Australians Revisit Personal Cover
24 Jun 2026: Paige Estritori
New market data points to a meaningful lift in Australians taking out individual income protection insurance, suggesting more households are reassessing how they would manage financially if illness or injury interrupted their pay. - read more
HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
HESTA Announces Significant Insurance Fee Reductions and Enhanced Member Protections
26 May 2026: Paige Estritori
HESTA, a prominent Australian superannuation fund, has unveiled a series of changes aimed at providing more accessible and affordable insurance coverage for its members. Effective from 1 July 2026, these adjustments include an average 12% reduction in insurance fees across all cover types, encompassing death, total and permanent disablement (TPD), and income protection cover. - read more
Acenda Life Introduces Significant Updates to Income Protection Policies
Acenda Life Introduces Significant Updates to Income Protection Policies
26 May 2026: Paige Estritori
Acenda Life has recently implemented a series of updates to its Retail Life Insurance portfolio, effective from 11 April 2026. These changes are designed to provide greater flexibility and accessibility for Australians seeking income protection insurance, addressing common concerns about policy limitations and entry age restrictions. - read more
AFCA Backs Insurer in Income Protection Offset Case
AFCA Backs Insurer in Income Protection Offset Case
26 May 2026: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently ruled in favour of Nippon Life Insurance in a dispute concerning income protection (IP) offsets, confirming an overpayment of nearly $18,000 and supporting the insurer's decision to suspend benefits during the reconciliation of compulsory third party (CTP) income. - read more

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