MSS Security is proud to offer a powerful, tax‑deductible Income Protection Program built on real group buying power

We’ve carefully negotiated this solution to deliver truly best‑in‑market benefits, paired with a seamless claims experience and award‑winning support

⭐⭐⭐⭐⭐ “I switched from my super fund, saved over $1,000 and got better cover.” — Alex E, Paramedic

  • Our groups award-winning services have been trusted by large groups such as superannuation funds, union organisations, and large corporations for years. Now, we're excited to offer our expertise and group buying power directly to individuals via MSS Security through our state-of-the-art live quote and buy platform.

    We understand the importance of protecting your lifestyle and your financial well-being. That's why we've created a market-leading Lifestyle Assurance Package that's designed to suit today’s needs. Our team has access to both local and international insurance markets, giving us the ability to provide you with outstanding coverage at market leading prices.

    But we don't stop there. We know that our support and experience is what you need most in the event of an accident or sickness. That's why we handle the entire claims process, from start to finish. Our goal is to make the process as smooth and stress-free as possible, so you can focus on your recovery.

    We understand the importance of financial security and believe that everyone deserves to have access to a transparent, simple and affordable way to protect their lifestyle and peace of mind.

  • Life is unpredictable, and the unexpected can happen at any moment. Illness or injury can strike when we least expect it, leaving us unable to work and struggling to make ends meet. That's why income protection insurance is so important. It provides a safety net, giving you financial security and peace of mind in the event that you can't work due to illness or injury.

  • Our Lifestyle Assurance Package doesn’t just cover Income Protection Insurance. It also covers a large range of additional built-in benefits including:

    • Critical Sickness Cover

    • Death and Critical Injury Protection

    • Family Cover

    • Fractured Bones Support

    • HIV and Hepatitis Cover

    • Financial Planning Benefit

    • 24/7 Worldwide Coverage

    • Tailored Waiting Periods

    • Flexible Policy Options

    • Rehabilitation and Return to Work Assistance

    • Home and Vehicle Modification Benefit

    • Re-imbursement of Professional and Membership Fees

    • Advanced Payment Benefits

    • Transport to and from Work benefit

    • Escalation of Claim Benefit

    • Disappearance Cover

    • Exposure Cover

  • Your premiums are tax-deductible in Australia. This means that you may be able to claim the cost of your premiums as a tax deduction, helping to ease the financial burden and provide additional support during difficult times. It's important to speak with a qualified financial advisor or accountant to determine your eligibility for this deduction, but we're here to support you every step of the way in protecting your financial well-being.

  • Our claims team is truly exceptional, and it's not just because of their technical expertise and efficiency in processing claims. What sets them apart is their deep sense of compassion and understanding of the difficult circumstances that policyholders face when they need to make a claim.

    From the moment a claim is filed, the team takes a human-centered approach, treating each case with care and empathy. They listen to you, offer support and guidance, and do everything in their power to help you navigate through your financial challenges.

    This dedication to our members well-being is what makes their claims team best in class. They don't just process claims, but also show genuine care and concern for our members lives, and that's what makes all the difference.

  • Protecting your income is crucial for your financial stability and peace of mind, especially in uncertain times. That's why we urge you to consider income protection insurance today.

    This type of coverage can provide a safety net in case you become unable to work due to an accident, injury, or illness. With our Lifestyle Assurance Package, you can rest assured that you and your family will have a reliable source of income to cover your bills and expenses, so you can focus on your recovery without worrying about your finances.

    Don't wait until it's too late to secure your financial future. Take action now and get the protection you need to safeguard your lifestyle and your family's well-being.

Why pay more for less?

Income Protection insurance at group rates for individuals

Award winning cover

Life can be unpredictable, but your income doesn’t have to be.

Our Lifestyle Assurance Package helps keep your income flowing if you get sick or injured and can’t work.

It’s simple:

  • You’re covered 24/7, anywhere in the world

  • It’s tax-deductible

  • Over 95% of claims get approved

Think of it as a safety net - so you still get your income if you can’t work due to injury or illness.

⭐⭐⭐⭐⭐ “Canopy Insurance has been fantastic. I’m saving money, getting better cover, and the tax benefits are a big plus. It really was a no-brainer to switch.” — Andrew P, Payroll Manager

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“I’ve always believed it’s better to have it and not need it, than need it and not have it — and that really proved true for me.

I first came across Canopy by scanning a QR code at work and requesting more information. I spoke with Michael, who was incredibly easy to talk to, and the whole process — from quote to setup — was quick and straightforward.

Within minutes of deciding to proceed, my cover was in place.

Only a few weeks later, I had an accident and broke my ankle.

From that point, the support I received was exceptional. Michael helped coordinate everything and connected me with the claims team straight away. I was then assigned Maureen as my case manager — she’s been amazing. Caring, responsive, and always on top of my situation as I’ve progressed through recovery.

I genuinely can’t speak highly enough of the Canopy team. You never know what’s around the corner, and I’m so glad I had this cover in place.” — Joanne M, Train Driver

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“I'm really happy with the cover. The team is organised, proactive, and genuinely focused on anticipating customer needs.” - Genevieve R, Train Driver

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“As a self-employed paramedic, this policy fits my needs perfectly — which hasn’t always been the case with other providers.”- Roy V, Paramedic

⭐⭐⭐⭐⭐

“Great company, easy to deal with, and very friendly staff. I’d definitely recommend Canopy for income protection.” - Mark N, Train Guard

Key Benefits

  • If injury or illness prevents you from working, Income Protection helps replace part of your income.

    • 100% of your nominated income for the first 6 weeks
    • Then 75% or 85% ongoing, depending on the option you choose
    • Payments can continue for up to 52 or 104 weeks

    This support helps you cover everyday living expenses while you recover.

  • You’re covered 24 hours a day, 7 days a week, worldwide.

    Cover applies whether you’re at work, at home, travelling, or overseas.

    This means you’re protected wherever life takes you.

  • Our Income Protection cover can be tailored to suit your needs and budget.

    You can choose:

    • How much of your income is covered (up to 100% for the first 6 weeks, then 75% or 85% ongoing)

    • How long benefits are paid (52 or 104 weeks)

    • How long you wait before payments start (14, 28, 60 or 90 days)

    This flexibility allows you to balance coverage, affordability and peace of mind.

  • Optional lump sum support if you’re diagnosed with a defined critical illness.

    • Choose cover amounts from $0 up to $50,000

    The lump sum can help cover medical costs, lifestyle changes, or other financial needs during recovery.

  • Optional lump sum cover in the event of accidental death or critical injury.

    • Choose cover amounts from $0 up to $100,000

    The benefit can be used to help support you or your family with expenses and financial obligations.

Built-in Additional Benefits

  • Support for your household if your spouse/partner or dependent child is diagnosed with a defined sickness.

    • Covers reasonable domestic help costs (e.g. cleaning, meals, childcare)
    • Up to $300 per week for up to 26 weeks

    This helps reduce day-to-day pressures while your family focuses on recovery.

  • Access to professional financial planning support following an approved claim.

    • Available for certain claims lasting over 26 weeks
    • Provides up to $3,500 in assistance

    This support helps you make informed financial decisions during recovery.

  • Additional support if you suffer a fracture.

    This benefit helps with recovery-related costs and supports your return to normal daily activities.

  • Support for approved rehabilitation, retraining, or return-to-work programs.

    • Covers eligible expenses up to $5,000

    This benefit helps you safely transition back into the workforce.

  • Financial support to modify your home or vehicle following a defined injury.

    • Covers items such as ramps, rails, or vehicle modifications
    • Provides up to $10,000

    Designed to help you live more safely and independently during recovery.

  • Reimbursement of professional or membership fees linked to your employment.

    • Available following an accepted claim
    • Up to $250 per membership

    Helps you maintain professional affiliations during recovery.

  • Early access to benefits following an eligible claim.

    • Advance payment of up to 13 weeks of benefits
    • Requires medical evidence of a claim expected to last at least 26 weeks

    This helps ease immediate financial pressure.

  • Assistance with transport costs following an accepted claim.

    • Reimburses reasonable transport expenses where you’re unable to drive or use public transport

    Helps you continue commuting safely during recovery.

  • Your weekly benefit increases over time if your claim continues.

    • After 12 months, benefits increase by 5%

    Helps your payments keep pace with rising living costs.

  • If an accidental disappearance occurs and the insured is not found within 12 months, the policy treats this as an accidental death.

    The accidental death benefit is then paid to nominated beneficiaries.

  • Cover for injuries caused by exposure to environmental or weather conditions during the period of insurance.

    This ensures protection for defined exposure-related events.

  • Cover if HIV, Hepatitis B or Hepatitis C is contracted due to:

    • A violent physical attack, or
    • Medical treatment for an injury or sickness

    Provides protection in specific, defined circumstances.