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Income Protection Insurance

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Probably one of the most important insurances you could have. Income Protection Insurance.

When you think about it if you can’t work you can’t earn an income so unless you have exceptional reserve resources or a rich Uncle you will need to cover each every living cost you have, including your mortgage.

Why do I need Income Protection Insurance?

Insuring your income insures your current life financial commitments, so if you were unable to earn that income you may find yourself looking at government assistance, income support etc. This wouldn’t be the choice you want but it may be the only one if your income ceases. Let Ian Jones Insurance protect your financial future with income protection, sometime known as sickness and accident insurance.

How does it work?

Income protection (sometimes called Sick & Accident) isn’t designed to cover you against a few weeks off work with an incidental illness but to cover you against a potentially long period where you are unable to work at all – maybe for the rest of your life. It is equally important to employed or self employed people. The only advantage held by employed people is their accrual of sick leave, annual leave and long service leave which can assist if needed but your boss isn’t going to keep paying you out of good nature if you can’t work.

 

All income protection polices are NOT the same and this is a policy that needs thorough professional advice to the insured and a true understanding of the various insurers’ policy differences by the broker.

What our clients say

  • “Pleasant & professional”

    Just a quick note to say how much I appreciated the attention to my insurance renewal by your employee at Raymond Terrace office, Kai Cameron. It was only a matter of hours before he got back to me with a better price for my house and contents insurance which I was pleased to accept. I just wanted to tell you that I found Kai to be a very pleasant and professional, a credit to your office.

    Andrea Waddell

  • “Highly recommended”

    We have used the services of Ian Jones Insurance Brokers for over 14 years now and have found the overall service and professionalism to be of a 1st class standard. The most important aspect we found was the speed and efficiency of claims handling and management. Highly recommended

    Prof. Tim Roberts

  • “Excellent advice & service at a very reasonable price”

    A number of our Andersens stores currently use the services of Ian and his team and he has presented at our conferences in the past. I have found him to provide excellent advice and service at a very reasonable price

    Brian Cooper, CEO, Andersens Carpets

  • “Outstanding”

    What a pleasure to be able to comment on the outstanding difference your company has made to the management of the rather complex insurance portfolio I presented. I was shocked to find after your initial review that I had been paying some insurances for years that would never have been paid out should I have a claim and this included a house in a bushfire zone. The courteous interactions with your professional staff are always helpful, and even enjoyable. Thank you

    Prof. Robert Clancy, AM

  • “Easy to understand terms”

    It’s great to have someone providing insurance product information with great knowledge….even better when they can spell it out to you in easy to understand terms

    Brad Jones, Director, Admix Media.

  • “The right information to make the right decision”

    The people at Ian Jones Insurance Brokers will always let you know what insurances are suitable to your particular situation so at least you know what you can do about it with the right information so as we can make the right decision

    Peter Sutherland, PJS Plumbing Pty Ltd

  • “Professional service and quality advice”

    Over the past 17 years Ian Jones Insurance Brokers has provided us with a variety of business, motor vehicle and home insurance policies. Ian and his staff have always provided professional service and quality advice as to the most suitable policy and options relating to our needs. On the occasions when we have needed to make a claim, the service has been prompt with regular follow ups to ensure the process was moving smoothly. I have recommended Ian Jones Insurance Brokers to friends and business colleagues with full confidence and have always heard nothing but great responses from anyone who has utilised Ian and his staff for the provision of insurance services.

    Geoff Grimley, Business Principal, Rapport IT Solutions

  • “Strongly recommended”

    It's refreshing to see someone who takes a great deal of interest in our business to ensure that they get the complete picture of what we do. Ian Jones Insurance Brokers seem to go that extra mile to make sure that we know what we have and how it needs to be protected. We would strongly recommend dealing with Ian Jones Insurance

    Josh Ferris, Director, Ferris Building Pty Ltd

Get the right advice. Personal & Professional.

We know what matters and how to determine a true, fair and affordable premium and with access to just about every life insurance company at our fingertips we are well placed to ensure the best possible outcome