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Income Protection Insurance

Cover for one of the most important assets of all – your ability to earn a living

What is Income Protection Insurance?

Income Protection Insurance  provides a regular payment in place of your income if you’re unable to work for extended periods due to injury or illness.

Monthly payments

Receive monthly payments whilst you are unable to work due to injury or illness.

Suitable for small business owners

Cover applicable for self-employed people, small business owners or professionals whose business relies heavily on their ability to work.

Choice of benefit periods

You can choose your benefit period to be a set number of years or to a specific age.

Tax effective

You may be able to claim a deduction on income protection premiums – making it even more affordable.

How it works

Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years.

With Income Protection you receive a monthly benefit for as long as you remain temporarily disabled up to the maximum benefit limit, as specified in your policy. Depending on that policy, you may also receive an additional payment into your super fund, so your retirement savings can keep growing even while you’re unable to work.

Life is for living, not for worrying about what could go wrong. Contact your financial adviser today for more information.

Income Protection Insurance

How to get Income Protection

Take care of what’s important and protect your family’s future.

Get in touch with your financial adviser and learn more about your insurance options. 

MetLife Protect Insurance MetLife Protect

Retail insurance is a type of fully underwritten policy that is distributed to customers through financial advisers. It is an individual life insurance product and can include Life cover, Total and Permanent Disablement, Income Protection and Trauma. 

MetLife Protect is our retail insurance product.

Insurance inside Super Insurance inside Super

A large number of superannuation funds have a built-in life insurance policy that provides automatic protection when you become a fund member. This default insurance can include Life cover, Total and Permanent Disablement and Income Protection. 


Speak to your adviser

We live in a fast-paced world, but with MetLife it’s easy to protect what matters as your life changes.

Contact your financial adviser today for more information.

If you don't have a financial adviser, we can help you find one.

Find an adviser
Life Insurance
Life Insurance

Support and peace of mind for people facing the consequences of death and terminal illness.

Total and Permanent Disability Insurance
Total and Permanent Disability Insurance

Provides protection if you’re permanently unable to work due to injury or illness.


Trauma Insurance
Trauma Insurance

A lump sum payment to help you and your family cover medical and living costs – so you can focus on recovery.

Income Protection Insurance

Income Protection Insurance

Regular payments to help you maintain your lifestyle while you’re unable to work due to injury or illness. 


Claims Philosophy

Insurance is a promise we mean to keep – and a claim is our moment of truth. With over $485 million in claims paid last year, you can count on MetLife to be there when you need us most, along with a Claims decision within 10 days of getting your information. 

What is Underwriting?

Underwriting can make all the difference when individual circumstances need to be factored in. That’s why we employ a dedicated and experienced local underwriting team to find the very best solution for your insurance.

Insurance Calculator

Our calculator is designed to provide you with an estimate of how much insurance protection cover you may need in the event of a trauma, death, total and permanent disability (TPD) or if you are unable to work. Plus it’s simple and easy to use.

How else can we help you?

Need a form? Have a question? Or simply want to find out more about the benefits of MetLife insurance solutions.

This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

By accessing this website you agree to comply with MetLife's Legal Notices