Ideal for Self-Employed without WorkCover

Built for people who work on the move.


The Lifestyle Assurance Package supports self-employed contractors and business owners who don’t have WorkCover, with cover available 24/7 worldwide, subject to the policy terms, conditions and exclusions. It’s designed to help protect your income if you can’t work due to illness or injury, and may help you meet insurance requirements for certain worksites.

  • When you’re self-employed, time off work can hit your income fast. Income protection is designed to help by providing regular payments if you can’t work due to illness or injury, subject to the policy terms.

  • In Australia, income protection premiums are often tax-deductible, which can make holding cover feel a bit easier on the budget. Depending on your circumstances, you may be able to claim your premiums at tax time and reduce your overall cost. If you’re not sure what applies to you, your accountant or registered tax adviser can give you a quick steer based on your situation.

  • When you’re making a claim, you’re usually dealing with more than paperwork. That’s why our claims team focuses on clarity, speed, and how you’re doing, not just the process.

    From first contact, you’ll speak with people who listen, explain what happens next in plain English, and help you navigate the steps with care and respect. It’s a human approach backed by strong technical know-how — so you feel supported through the parts that matter most.

  • When you’re self-employed, your income is your engine. If illness or injury stops you working, things can get tight quickly. Income protection is designed to help by providing regular payments if you can’t work due to illness or injury, subject to the policy terms and claim acceptance.

    The Lifestyle Assurance Package helps you put a plan in place, so you can keep on top of everyday costs and focus on getting back to work when you’re ready.

Why pay more for less?

Income Protection insurance at group-style pricing for individuals

Simple, great-value cover

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

  • Backed by the same trusted partner group that supports self employed nation-wide

Most people don’t choose income protection out of worry — they choose it because it’s a smart financial decision.

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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.