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Income Protection Insurance

Apply over the phone with no medical or blood test

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Rated 4.5/5 from 345 Reviews

Income Protection Cover

We’ll pay up to 75% of your monthly income (up to a maximum of $10,000 a month) if you can’t work because you are sick or injured.

From 78 cents a day1

Learn More Request a Quick Quote Now

About Income Protection Insurance

Income Protection Insurance is all about taking care of your most valuable asset – you, and your ability to earn an income.

With Real Income Protection Insurance, if you’re unable to work because you’re sick or injured, we’ll pay you a monthly benefit so you can focus on getting better, without worrying about your finances.

  • Apply over the phone in a single call with no medicals or blood tests
  • Premiums are usually tax deductible
  • Keep your premiums low by choosing your level of cover and Waiting Period
  • Choose from a range of optional covers for greater protection
  • Pay fortnightly, monthly or yearly – at no extra cost
  • We’ll refund 10% of premiums you’ve paid in the first 12 months with The Real Reward
  • Stress-free claims with your own personal specialist located in Australia
  • Your Policy is backed by the third-largest reinsurer in the world

I chose Real as not only did they ring me straight away but they helped me find what was right for me then give me all my options, and even suggestions to help. Applying was as easy as just answering a few questions and that was it.

— Belinda

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1300 665 187

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Understanding Income Protection Insurance

Find out how Income Protection Insurance can help you with a financial safety net if you’re unable to work.

Income Protection Q&A – we can help

Find fast answers to commonly asked Income Protection Insurance questions.

Getting from A to B – a commuter’s tale

There will always be those of us who bounce out of bed each morning, eagerly awaiting the challenges and rewards that the new working day holds. But for many, the demands of their jobs are made all the more tiring and difficult thanks to a stressful work commute.


  1. Based on a 38 year old male, non-smoker working in a white collar occupation with a $5,000 monthly benefit, 6 month Benefit Period, and a 90 day Waiting Period.