Income protection

Keep your financial life on track while you’re unable to work

How long would you be able to sustain your lifestyle and meet your financial commitments without your regular income?

Income protection insurance pays a monthly benefit of up to 75% of your regular income, if you’re unable to work due to sickness or injury.

Income protection may suit you if:

  • you want replacement income if you’re unable to work due to sickness or injury
  • you want to secure your financial future
  • you’re looking for a flexible insurance product you can tailor to suit your individual needs.

Here’s what you get:

  • monthly benefits of up to 75% of your regular income
  • peace of mind knowing that you and your loved ones will be supported if you were unable to work.

How much insurance do
you need?

There are many factors that can affect the level of cover you need. Our calculator can help you work out how much cover you may need.

Find out now

Choose from our income protection products

Flexible Lifetime® – Protection

For more information about this product, download the product disclosure statement. Or if you have any questions or would like to apply, you can: 

  • call us on 131 267
    Monday to Friday 8.30am – 7pm (AEST)
  • contact your financial adviser.

AMP Elevate

For more information about this product, download the product disclosure statement. Or if you have any questions or would like to apply, you can:

  • call us on 131 267
    Monday to Friday 8.30am – 7pm (AEST)
  • contact your financial adviser.

How much you pay depends on:

  • your age
  • gender
  • smoking status
  • level of cover
  • the options you have selected.

You can get an individual premium quote from your financial adviser.

Feel secure—anywhere in the world

With AMP, you can feel safe knowing that you’re covered 24/7.

You’re also covered against sickness or injury anywhere in the world. However, we may ask you to return to Australia or New Zealand after three months of benefits have been paid. And when you return, we will start paying your benefit again if you are still unable to work for the same reason.

Realising your best life

We believe there is much more that can be done to help you and your family during and after the claims process.

Our ultimate aim is to help you own your tomorrow, and we’ll be there to support and help you resume an active, productive life after illness or injury.

Download the 'Do I need Income insurance?' brochure to find out more about how income protection can help you if you were unable to work due to sickness or injury.

And if you’re still unsure about the insurance you need, your financial adviser can help you assess your wealth protection needs and find the right insurance cover for you and your loved ones.  

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How to apply

If you’re interested in getting Flexible Lifetime – Protection or Elevate Income Protection cover with AMP, we encourage you to speak with a financial adviser.

Your financial adviser can help you find a plan and insurance option to suit your needs.

Find an adviser

Learn more about how to make a claim

How much life insurance do you need?

Calculate

Want to speak to a financial adviser?

It helps to know some basics about insurance

Learn more

Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement before deciding what’s right for you. This information hasn’t taken your circumstances into account. 

This information is provided by AMP Life Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice. 

The issuer of Flexible Lifetime – Protection is AMP Life Limited. The issuer of AMP Elevate insurance is The National Mutual Life Association of Australasia Limited. Flexible Lifetime is a registered trademark of AMP Life Limited.