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Income Protection Insurance

Bonus $100 Gift Card!

Take out cover today and you could get a BONUS $100 Gift Card!1

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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 day2

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Bill Cover

Take care of the essentials even when you’re sick or injured, with a monthly payout that helps you stay on top of your bills.

From 56 cents a day3

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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.

Compare Income Insurance
  • Apply over the phone in a single call with no medicals or blood tests and no proof of income4
  • 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

Get in touch

Call us on

1300 665 187

Or

Have us call you

Request a Call

Need help deciding?

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.

Bill Cover Q&A – we can help

Find fast answers to commonly asked Bill Cover questions.


  1. Offer available for a limited time. Policy with a $20 per fortnight premium (“minimum premium”) must be purchased during the promotional period and be active and remain above the minimum premium without lapsing for 90 consecutive days following the first premium payment that you have paid. Limit of one $100 Gift Card per policy. This offer cannot be combined with any other offers. Allow 6 weeks from confirmation of eligibility for delivery of Gift Card. Offer not redeemable for cash. The name and address of the first insured will be supplied to Edge Loyalty Systems Pty Ltd (ELS) to send one prepaid eftpos card to the address on the policy. See full Terms and Conditions.
  2. 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.
  3. Based on a 36 year old female, non-smoker working in a white collar occupation with a $1,000 monthly benefit, 6 month Benefit Period, and a 90 day Waiting Period.
  4. If you do make a claim, you’ll need to show proof of your income for 12 months preceding your sickness or injury.