Income Protection Cover

We can sometimes take our income for granted, but what happens if you weren’t able to work for a lengthy period of time? Who would pay your bills or the mortgage?

Taking out Real Income Protection Insurance is one simple thing you can do to protect your income. This important cover means that we will be there to help you take care of yourself and your family financially if you become seriously ill or injured and were unable to work.

You could get a $100 Gift Card today1

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What’s covered

  • If you’re an Australian resident aged 18-59, we cover a benefit of up to 75% of your monthly Pre-Tax income if you can’t work due to illness or injury, up to a maximum of $10,000 a month
  • We’ll help you tailor your Policy for the level of protection you want, so you can match your benefit to your budget
  • Choose from a range of optional covers such as Rehabilitation Benefits and Homemaker Insurance, for greater protection
  • Freedom to increase or decrease your level of cover at any time subject to age eligibility and underwriting requirements
  • We’ll reimburse your regular premium while you are receiving a benefit from your policy
  • As long as you pay your premiums on time, we guarantee to renew your cover until you reach 65
  • Protection for part time workers – if you work 20 hours a week.2 If you work less than this amount of time, you may want to consider Bill Cover

This is a summary of the Real Income Protection Insurance Policy. For full details, download our Product Disclosure Statement.

Cover starts from as little as 78 cents a day3

Request a Quick Quote Now

Why choose Real 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
  • 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

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

Find fast answers to commonly asked Income Protection Insurance questions here. Also learn more about the information you will need to have on hand with our Income Protection Quote Checklist.

See how easy it is to apply for Real Income Protection Insurance. Call us on 1300 665 187 or Request a Quote.

Read what our customers are saying

Customer review

Michael TRIPON - Rated 5 out of 5

Good customer service

Customer review

Trusted Customer - Rated 5 out of 5

They were very helpful

Customer review

Samuel Mcallister - Rated 5 out of 5

Customer service

Customer review

Stephen Ryan - Rated 4 out of 5

Quick and streamlined all done within 15 minutes

Great service, product & price

Craig Wright - Rated 5 out of 5

Youseff was very helpful. he is a great asset to your company. i will recommend real insurance

Easy sign up. no pressure.

Trusted Customer - Rated 4 out of 5

Took me through all the options. explained how it all worked. no pressure sales tactics

Customer review

Vicki Cobb - Rated 5 out of 5

Awesome customer service. the person that i spoke to was very thorough and patient. couldn't have asked for better.

Outstanding customer service

Melinda Ross - Rated 4 out of 5

The consultant was courteous, very patient, friendly, well spoken and very thorough - he made sure i understood the terms of my policy before selling it to me. i wish all customer service was this good!

Customer review

Trusted Customer - Rated 4 out of 5

The staff are friendly and knowledge wise. however it would be appreciated if staff could talk slower on the phone as a lot of the disclaimer info goes over people's heads as it is read too fast and can get...

Customer review

Jacqueline Wills - Rated 5 out of 5

Great customer service, very friendly and helpful.

Customer review

Peter Freedman - Rated 5 out of 5

They talked through the policy thourally and took the time to explain the finer details and answered all my questions very cordial and a pleasure to deal with also tentative toy needs thank you

Customer review

Trusted Customer - Rated 5 out of 5

Salesman spoke very well

Customer review

Ulaiasi Baleiyasawa - Rated 5 out of 5

Well spoken, excellent service.

Customer review

Trusted Customer - Rated 5 out of 5

Fast and efficient service provided.


Justin Hill - Rated 4 out of 5

The operator was very helpful

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Customers rate us

Rated 4.6/5 from 325 Reviews

  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 and be fully paid 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. To qualify, you must work 20 hours a week for at least 12 months before your Policy starts.
  3. 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.
  4. If you do make a claim, you’ll need to show proof of your income for 12 months preceding your sickness or injury.