Income Protection
& Key Person Cover

What would happen if you could no longer work, or if a key person in your business passed away?

Safeguarding Your Livelihood Through Life's Challenges

Your ability to earn an income is one of your most valuable assets. However, unexpected illness or injury can jeopardise your financial security. At Bay Insurance, we understand the importance of protecting your livelihood, so we offer Income Protection Cover – a safety net to ensure your financial well-being remains intact, even when life takes an unexpected turn.

Sign Up For Life, Get $250 Credit

Are You A Business Owner? Consider Key Person Cover

Bay Insurance can help reduce the impact of the loss of a key person within your business, preventing revenue loss or potential cost increases.

What is Income Protection Cover?

Income Protection Cover is a form of insurance designed to replace a portion of your income if you are unable to work due to illness or injury. It provides you with a regular payment, typically a percentage of your pre-disability income, allowing you to meet your financial obligations and maintain your standard of living during your recovery period.

We can arrange tailored solutions for:

Replacement Income

Receive a regular payment if you cannot work due to illness or injury, ensuring that you can continue to meet your financial commitments, such as mortgage or rent payments, bills, and everyday expenses.

Flexibility

Unlike other forms of insurance that provide a lump sum payment, Income Protection Cover offers ongoing support for as long as you are unable to work or until the end of the benefit period, providing peace of mind throughout your recovery journey.

Tailored Coverage

Choose a benefit period and waiting period that aligns with your needs and budget. Whether you're looking for short-term coverage to bridge the gap until you return to work or long-term protection to provide financial security in the event of a career-ending disability, we have a solution for you.

Tax Benefits

Income Protection premiums are generally tax-deductible, making it a cost-effective way to protect your income and financial security.

Key Person Cover

We help reduce the impact of the loss of a key person within your business preventing loss of revenue or potential increase in costs.

What Will My Life Insurance Cost?

Curious about your insurance costs? Get an instant quote with our Premium Calculator. Fast, easy, and tailored to your needs. See your rates in seconds and take the first step toward better coverage today.

Protecting What Matters To You, Matters To Us.

“You will have a dedicated team to take care of all of your insurance needs, who are available to review your circumstances and recommend appropriate life insurance solutions. Most importantly, you will have insurance experts in your corner representing you and managing any claim you may need to make.”

Chris, Partner

Testimonials

What Our Clients Say

Insurance policies can be complex. We understand that you may feel overwhelmed, and we want to create clarity to ensure you receive the best policy, that delivers on both coverage and value

Best in the business

Why Choose Us?

Complete risk solutions

Get a wide range of services to cover your unique insurance needs.

Flexible Payment options

Flexible premium payment options where clients can opt to pay in instalments.

Claims Management

Have a Claims Manager who is always available and dedicated to get the best possible outcome for you.

Other Life Insurance Covers

Life Cover

How will your loved ones be supported in the event of your immediate passing?

Health Cover

Do you have ongoing medical conditions or a family history of health issues?

Trauma Cover

Secure sum payment support in the case of a traumatic health event.