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Guardian Insurance – Income Protection Insurance

Guardian Insurance strives to support Australian families to take control of their financial future with insurance products that offer flexibility, are straightforward and easy to understand. They make applying for income protection insurance uncomplicated with clear communication from insurance consultants who work with you along the way.

With Guardian Income Protection Insurance, should life take an unexpected turn and you face a sudden sickness or injury, your cover can help you take care of your bills and maintain the quality of life you and your family are used to, while you recover and get ready to return to work.

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Guardian Income Protection Insurance

  • Open to Australian residents aged 18–60 who work at least 15 hours per week
  • Apply over the phone – no medical, blood test, or forms required
  • Protect up to 70% of your pre-tax income, up to a maximum benefit amount of $15,000 per month
  • Apply for a benefit period of 6 months, 1 year, 2 years, or 5 years
  • Choose a waiting period of either 30 or 90 days
  • Premiums can be tax-deductible – seek professional advice to see if you qualify
  • Get assessed based on your work duties instead of your job title
  • Includes cover if you’re unable to work due to a mental health event
  • Rehabilitation benefit in addition to the benefit amount of up to 50% of your income benefit each month, for 6 months, to the maximum amount of $3,000 can be paid each month you take part in your rehabilitation program
  • Recurrent disability benefit – you won’t have to go through an additional waiting period if your injury or sickness reoccurs within 6 months of your last claim

Some things you should know:

  • Monthly benefit amount and benefit period are dependent on underwriting outcome.
  • The income benefit payments you receive will be either monthly amount insured or 70% of your pre-tax income, whichever is less, and reduced by any other disability payments for your injury or sickness.
  • Policy expires on the policy anniversary after your 65th birthday.
  • The above shows a select summary only. For full details of the benefits on offer, including what exclusions apply, read the relevant Product Disclosure Statement.

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