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Income Protection for Pilots.


Because Loss of Income will change your life.

Income Protection is one of those things that we all have our set ideas about. Plus insurance companies seem to change the goal posts every year or so. How do you know what is best for you and your specific needs?

In Australia there are currently 4 policies available.

  • AIG TopCover Aircrew cover.
  • Tower Disability Income Insurance for Pilots.
  • Asteron Income Protector for Commercial Pilots and Flight Engineers.
  • Comminsure Income Care Aviation cover for Commercial Pilots and Flight Attendants.

The above policies all have excellent benefits. One policy though is better suited to an individual than another, certain policies will give you greater coverage than others and at time of claim may pay you many thousands, tens of thousands of dollars more than a very similar looking policy. Incomeprotection.com.au Pty Ltd are income protection specialists. Working in this area for over 25 years and in the last 6 years worked with major insurance companies to assist and design policies for pilots that will offer the best cover that is available in the current market.

Only 3 years ago the only cover available was own occupation for 2 years and any occupation to age 60. Now pilots have available own occupation ( you are insured as a pilot ) income protection cover to age 55. Followed on by any occupation extension to age 60. Some income protection policies only cover your base income. Others cover your full earnings for the year, including all allowances, superannuation etc.

Is it best to have “ Agreed Value ” cover or “ Indemnity ” cover.

What is the best waiting period? 30, 60, 90, 180 360 or 720 days.

Is there a maximum payment amount? Example Comminsure had set a ceiling on $1.5 million – that is now increased to $2 million.

Does your monthly payout become affected by other forms of income?

Are you only covered whilst at work, or 7 days per week, 24 hours per day for both accident and illness?

What are the extras attached to your policy? Life Insurance, Trauma Insurance, Rehabilitation benefits, fast payments for cancer, heart attack, stroke, broken arms , legs etc.

Are you just not sure about your current policy and require a review?

For a detailed analysis of your individual needs please email back or call office on 1800 20 20 44 or Mobile 0414 298 740 to discuss your specific requirements. There is no cost for our review and you will also receive our – Income Protection Comparison Report. Thank you for your time and I look forward to discussing your income protection needs very soon.