INCOME PROTECTION INSURANCE

EXCLUSIVE 10% DISCOUNT FOR QRI LIFESTYLE MEMBERS

Through QRI Lifestyle’s partnership with Canopy Insurance, part of WIP Group, members can access individual Income Protection insurance with an exclusive 10% discount. Canopy provides flexible cover designed to help protect your income if illness or injury prevents you from working.

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WHY PAY MORE FOR LESS?

Income Protection insurance at group-style pricing for individuals

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

It’s simple:

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

  • It’s tax-deductible

  • Tailor your cover to suit your needs by choosing your waiting period, benefit period and maximum benefit

Peace of Mind When It Matters Most

“Getting income protection with WIP was the smartest financial decision I’ve made. After checking my Super, I realised a 30-day wait and being underinsured wasn’t enough. With WIP, I could choose my own waiting period and level of cover. I injured my elbow playing softball and, as a Cat 2 rail safety worker, couldn’t do light duties. My claim was processed quickly and smoothly, without exhausting my leave. The support was consistent, knowledgeable and genuinely human. A huge thank you to my claims manager, and to the RTBU for securing discounted, tax-deductible cover for members. Easily the best purchase I made in 2025.”

- Jaime C, Rail Traffic Guard, QRI Lifestyle member

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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.

  • Canopy Insurance is a specialist Income Protection insurer and a proud part of WIP Group.

    Canopy was created to give individuals access to group-style benefits, simple cover options and competitive pricing, without the complexity that often comes with insurance.

    ✔ Backed by WIP Group
    ✔ Designed for everyday working Australians
    ✔ Simple, online, no-pressure experience

  • QRI Lifestyle members can access:

    ✔ 10% off Income Protection premiums

    A discounted rate not available to the general public.

    ✔ Cover for injury or illness

    Income Protection can help replace part of your income if you’re unable to work injury or illness.

    ✔ Simple online quotes

    Get a personalised quote in just a few minutes — no phone calls, no pressure.

  • If you rely on your income to pay your bills, support your family or maintain your lifestyle, Income Protection can play a critical role.

    Income Protection insurance can help:

    • Provide financial support if injury or illness prevents you from working

    • Reduce stress while you focus on recovery

    • Protect your household’s cash flow when it matters most

  • Based on the cover available through this offer, policies include:

    ✔ 100% of your nominated income for the first 6 weeks
    Then up to 85% ongoing, depending on the policy selected.

    ✔ Cover 24/7, worldwide
    Protection applies whether you’re at work, at home or overseas.

    ✔ Up to 2 years benefit period
    Payments may continue for up to two years while you recover.

    ✓ Flexible waiting period options
    Choose from waiting periods of 14, 28, 60 or 90 days to suit your situation.

    ✔ Tax-deductible premiums
    Income Protection premiums may be tax-deductible, depending on your selected policy and personal circumstances.

    ✔ Tailored to suit your needs
    Choose waiting periods and benefit options that fit your situation and budget.

    Eligibility, benefit levels, waiting periods and terms apply. Please refer to the Product Disclosure Statement for full details.

  • 1. Get an instant quote
    Complete the online quote below to receive your personalised, discounted quote.

    2. Choose your cover
    Adjust options to suit your income and preferences.

    3. Apply online
    A simple, streamlined process — no sales pressure or obligation.

  • ✔ Designed to be simple and transparent
    ✔ Online quotes in minutes

  • This information is of a general nature only and does not take into account your objectives, financial situation or needs. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Terms, conditions, limits and exclusions apply.

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

- Genevieve R, Train Driver

“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