No Medical Income Protection

Insuranceline Life Insurance

All Australians should have the right to protect their family’s financial future. That’s why we’ve designed our Income Protection Time Saver Cover for people who are unable to obtain Income Protection because of their health, lifestyle or occupation.

Exclusions apply

Our Time Saver Cover provides up to 85% of your income up to $7,500 per month. 

With Time Saver Cover, no cover is provided for Pre-Existing Medical Conditions, mental health disorders, normal/uncomplicated pregnancy, dangerous occupations or pastimes, Sickness or Injury resulting from intentional self-harm, Drug & alcohol related Sickness or Injury, or participation in criminal activity. Other conditions, limitations and exclusions apply and are set out in full in the Combined Product Disclosure Statement and Financial Services Guide.

For more information on our Income Protection please refer to the Combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG).

Apply today

Complete our Income Protection application form and we will offer you either:

  • Rate Saver Cover which is fully underwritten or;
  • Time Saver Cover - Alternative cover for those who don’t want to answer medical questions or those with certain pre-existing medical conditions, dangerous occupations &/or dangerous pastimes. Time Saver is popular for those who want a fast and easy application process without the need to answer health and lifestyle questions up front. This greatly reduces the time required to take out the insurance. Instead, we’ll gather this information at the time of a claim.