Income Protection for Employees & Self-Employed
Maintain your lifestyle and meet your obligations while recovering from illness or injury.
If you suddenly couldn't work due to an accident or illness, how long would your savings last? At HomeLoan 4 You, we help employees and self-employed clients protect their income so they can manage bills, mortgage payments, and living expenses—even when life takes an unexpected turn.
With income protection, you'll receive regular payments to replace part of your income if you are unable to work due to a medical condition. It is a practical way to support your finances—whether you are salaried or run your own business.
What Is Income Protection Insurance?
This insurance pays a monthly benefit—usually up to 70% of your income—if you are off work due to illness or injury. Key features include:
- Monthly payments for up to 2 or 5 years, or until age 65
- Flexible waiting periods (14, 30 or 90 days)
- Available to employees, sole traders, contractors, and directors
- Cover for both physical and mental health conditions
- Premiums may be tax deductible outside super
How We Can Help
We compare multiple income protection policies from top insurers and set up cover that matches your career, income style and risks.
Custom policy comparisons
We recommend coverage based on your real income, not general product levels.
Options for employees and the self-employed
Whether on PAYG or ABN, we help match cover to your income type.
Flexible waiting and benefit terms
Select short or long-term options depending on savings and recovery time.
Super and non-super options
Pay premiums through super or separately to suit your financial setup.
Bundled policy options
Add life, trauma or TPD cover to build broader protection.
Clear support with no pressure
We explain exclusions and conditions—no pressure or sales tactics.
Is Income Protection Right for You?
Consider this cover if you:
- Rely on income for rent, mortgage or everyday costs
- Have limited savings to manage long absences
- Are a sole trader or contractor with no paid leave
- Support dependants or family members financially
- Want confidence that your income continues during recovery
If you already have cover through super, we can review the policy to check if it is sufficient or needs adjustment.
Why Choose HomeLoan 4 You?
We believe in providing insurance options that match your needs. Our advisors take time to understand your income, financial plans, and risks—then help set up a policy that works for you.
Experts in income cover
We assist employees, tradespeople, contractors, and business owners.
Leading insurers compared
We access a range of trusted providers with clear terms and strong benefits.
Simple, clear advice
We help explain policy terms and optional extras without jargon.
Tax deductible planning
We help structure your policy to manage premiums inside or outside super.
Claims support included
We stay with you during claims—not only when you sign up.
No pushy sales
We offer honest advice to help you make an informed decision.
Frequently Asked Questions
Most policies cover up to 70% of your income. Some include extras like super contributions or cost-of-living increases.
If held outside super, premiums may be tax deductible. Confirm with your accountant for your situation.
Waiting period = time before payments start. Benefit period = how long you're paid (e.g. 2 years).
Yes. Many insurers accept business income, BAS or accountant letters to confirm earnings.
Many policies do. We help you find one with inclusive, clearly defined terms.
Don't Let Injury or Illness Derail Your Finances
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