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

Request a Quick Quote Now

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

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 Beacher - Rated 5 out of 5

Truly excellent, spoke very clear and answered all my questions and had a excellent understanding of the products i was requesting

Customer review

Robert Woods - Rated 4 out of 5

Operator was very pleasant

Fantastic customer journey/ experience

Kunal Nerlekar - Rated 5 out of 5

I spoke with a lady i think her name was melisa 53 years old and an absolute wealth of information. she is a superstar! love her work and her ability to engage. for a first time customer in income protection, she...

Customer review

Karen PANGALLO - Rated 4 out of 5

Friendly and very helpful. yes i would recommend your company

Customer review

Paul Cutajar - Rated 5 out of 5

Kirk was so accomodating and friendly

Good very helpful

Trusted Customer - Rated 4 out of 5


Excellent phone manner and very courteous

Trusted Customer - Rated 5 out of 5

Jamie was fantastic and explained everything so well to me and took the time to explain if i didn’t was a great over the phone experience

Customer review

Steve Tedge - Rated 5 out of 5

Excellent customer service

Customer review

Kuntal Jani - Rated 4 out of 5

Not pushy in selling the insurance yet very direct in approach of offering. little care tone would have gotten 5*

Customer review

Michael Bronsema - Rated 5 out of 5

They explained everything so i could understand it. her manner was great also.

Customer review

Trusted Customer - Rated 4 out of 5

My enquiry was handled in a prompt and professional matter. i would recommended real insurance products to family and friends too.

Customer review

Trusted Customer - Rated 4 out of 5

Very good thank you.

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

Powered by Feefo

Customers rate us

Rated 4.6/5 from 343 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.