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No income. Lots of worries.

Imagine you have glandular fever, a broken arm or a nasty accident and as a result you require a long period off work for rehabilitation.

During this time would you be able to meet repayments on your mortgage, your car, your credit card and pay any bills?

This is where we can help you get through the tough times with BT Income Protection Assured.

Under a BT Income Protection Assured policy, you could continue to pay mortgage costs, car and other expenses despite your time off work because your insurance is protecting you and your family.

Consider how much income protection cover you need

One way to calculate this is by looking at your circumstances and working out how much you will need to cover your ongoing costs and bills, including mortgage, car repayments, child care, medical costs, bills, and general living expenses. Alternatively, you may decide to take out income protection cover of up to 70%^ of your income.

What are my other options?

We have other personal risk insurance options that can help protect you against temporary loss of income for things like covering bills, mortgage payments, general expenses and medical expenses.

Review your options:

Our income protection products

Things you should know

^ 70% of the first total insurable income up to $330K. Incomes above $330K have a tiered income replacement ratio 50% for the next $220K and 20% for the remainder.


A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who does not guarantee the insurance. 

This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Read the BT Protection Plans Disclosure Statement (PDS) to see if this insurance is right for you.