Calculate IP

What is your Date of Birth?*
DD slash MM slash YYYY
Your age is:*
Sorry, we can provide you a quote given you are over the age of 65.
As you are under the age of 65 we may be able to help you with your insurance needs.
Age entered is not valid.
Do you work more than 25 hours per week?*
- Yes
- No
As you are not working more than 25 hours per week it is unlikely you will be able to obtain Income Protection Cover.
Therefore, you cannot proceed past this point.
Great News. You can proceed to calculate your Income Protection Needs and and apply (if required).

Information to calculate Income Protection (IP) Needs
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age
($) Annual Income*
Do you run your own business?
- Yes
- No

NEEDS ANALYSIS IP SUMMARY - VIEW ONLY

Based on your responses, you should have the following amounts IP in place.
Monthly Benefit Amount for first 2 years:
Monthly Benefit Amount after 2 years:
If you choose a benefit period of less than 5 years, some insurers will provide 70% of earnings for up to 5 years. When a benefit period is chosen that is greater than 5 years, the benefit amount will reduce to between 40-60% after the 2 years whilst still on claim.
Next Step: Request a Quote or exit
Please select one of the following options:*
- Request a Quote
- Exit
Simply close the browser you have been working on or go back to the home page.

Personal Questions required to generate a quote
Name*
First Last
Email*
Enter Email Confirm Email
Gender*
Smoker Status*
State you live in*
Occupation*
Note:
Some professional occupations may be able to apply for up to 85% of the income they earn.
If you are entitled to apply for additional IP then we will contact you.
Do you currently have any Income Protection in place?*
- Yes
- No

REQUEST A QUOTE - INCOME PROTECTION
Do you wish to view Advanced Options.*
- Yes
- No
Auto-calc max Monthly Benefit?
- Yes
$ Monthly IP Benefit Amount
Monthly Benefit
Premium Type
Premium Type
As you are over Age 60 the only option is Stepped Premiums
Cover Type
Benefit Period
Benefit Period
Waiting Period
Expiry Age
Expiry Age
Benefit Type
How would you like to pay?
Our default will be to have the majority of your IP Insurance premiums paid from your current Super fund via a Rollover and the remainder paid from Cash Flow. This enables you to have 'Own' & 'Any' Occupation IP.
How would you like to pay?
Our default for sole traders is to have the policy owned in your own name with premiums paid from cash flow being fully tax deductible. If cash flow is an issue than choose one of the other options.
If you are a professional e.g surgeon or doctor, and are entitled to apply for a monthly benefit amount greater than 75% of earnings, would you like to do this?
- Yes
- No
The maximum monthly benefit amount for certain professional occupations is 85% of earnings.
Advanced Options - IP Insurance
- Indexation Benefit
- Increasing Claim Option
- Super Contribution Option
Most advanced options will incur additional fees.
You can find out more about each option by either going to the Glossary section (https://findinsurance.com.au/glossary/) or reading the insurers Product Disclosure Statements (PDS) (https://findinsurance.com.au/learn/).

Upload Documents - Now or Later
If you have any current policies in place ASIC requires us to provide you with a comparison between your current insurances and any new insurances you wish to obtain.
In order for us to be able to do this we require a copy of your latest insurance policies. If your insurances are held with in super then we will require a copy of your latest super fund statement.
You stated you already have insurances in place. Do you wish to do the following:*
- Upload your current policies now
- Email your current policies at a later date
- Provide current insurance and super details - you find out what I have.
Upload Current Insurance Policy information
Drop files here or

Max. file size: 32 MB.
If you have insurances held with in super then please upload your latest super statements as well.
Insurance & Superannuation Details
Please provide us with the following (where relevant): 1. Your Super fund name 2. Super Fund account number 3. Insurance company names 4. Insurance policy numbers

Next Steps
1. Please confirm you are not a robot :)
CAPTCHA
2. Press the SUBMIT button.

3. Once we receive your submission we will email you the indicative quote from our approved insurers.

4. We will provide you with our Calendar Link so that you can request a call back to discuss your quote (OPTIONAL).

5. When happy to proceed, simply let us know what you have decided to do.

6. When we receive acceptance of the quote we will then email you the following: a) Application and b) Statement of Advice (SoA).

7. Sign the Application and SoA and return this to us.

8. Application will be forwarded on to the insurer who will assess your application to determine if you are able to be covered.

9. When Unconditional Approval is provided and the first years premium has been paid, you will then receive your new Policy Schedule from the insurer.

10. Each year Find Insurance will send you an email notification regarding Insurance Policies, a Catch Up Report comparing your current insurances to see if they are still relevant to your needs and to provide you with an opportunity to review your insurance needs.

At claim time, Find Insurance will be there to help you with your claim submission and help you if an issue arises.
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DISCLAIMER:

This tool is intended to provide broad guidance on the level of insurance cover required to meet debt obligations and replace a portion of income in the event of death, TPD (total and permanent disablement), trauma or temporary disablement. The calculated cover is not a recommendation and is not intended to be an exact figure. It does not take all of your needs into account and does not constitute financial advice. Separate advice should be sought regarding the need for any other insurance such as Private Health Insurance and/or General Insurance. All figures are gross of tax. No allowance is made for your particular tax circumstances or for the taxation of insurance benefits, either inside or outside superannuation. Generally, Death, TPD and trauma insurance benefits will be taxed at a lower rate than the income they are replacing. Please seek separate tax advice in relation to insurance benefits. No allowance has been made for any social security benefits to which you may be or become entitled. No assessment is carried out as to the availability of cover. Cover may not be available to some customers either for health reasons or due to their occupation. You should consider obtaining advice from a licensed financial adviser before making any decision. You should reassess your insurance needs regularly as your circumstances may change. Also, while the assumptions underlying this calculator are considered reasonable at the present time, these assumptions may be reviewed in future.

STEP 1: LEARN

Life Insurance

Total & Permanent Disability

Trauma Cover

Income Protection

Stepped Vs Level

Super vs Non-Super

How To Pay Premiums

STEP 2: BOOK AN APPOINTMENT

STEP 3: Understand your needs

Calculate IP

Calculate Income Protection Insurance Form

Step 1 of 7 - Before you begin

Information to calculate Income Protection (IP) Needs

NEEDS ANALYSIS IP SUMMARY - VIEW ONLY

Next Step: Request a Quote or exit

Personal Questions required to generate a quote

REQUEST A QUOTE - INCOME PROTECTION

Upload Documents - Now or Later

Next Steps

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