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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 Westpac Income Protection.

Under a Westpac Income Protection policy, you may be able to claim a monthly benefit payment and nursing benefits for the time you are in hospital. Westpac Income Protection could help you 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 75% 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:

I don’t have large financial commitments

Perhaps you are at a stage in life where you don’t own property or have large financial obligations to meet each month. Maybe you only have a personal loan for your car, or a credit card for day to day expenses. In this case you may wish to consider:


Our income protection products

Things you should know

BT Income Protection is available as part of BT Protection Plans. The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS). BT Protection Plans are issued by WLIS except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991.

Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia General Insurance Limited ABN 99 003 719 319 (previously known as Westpac General Insurance Limited) (AAGIL) (issuer of the unfit for work and job loss covers) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (issuer of the death cover). AAGIL is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.

These policies are distributed by Westpac Banking Corporation ABN 33 007 457 141 ('the Bank').  The Bank does not guarantee payments under these policies.

This information does not take into account your personal circumstances. Before making a decision about a particular insurance product, read the relevant product disclosure statement (available by following the links above) to see if it’s is right for you.