A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking NSW electrician was quoted at $175.25/month on 26 June 2026 — here is the breakdown by cover type and insurer.

Income protection replaces up to 70% of earnings when illness or injury stops a worker — here's how it works, what it costs, the tax deduction most Australians miss, and inside super vs personal cover.

Life insurance in superannuation in Australia means holding life, TPD and (sometimes) income protection cover inside a super fund, with premiums paid from the balance. This hub explains how cover inside super works, how it should be structured, what happens to it through retirement, and why a changing set of super tax rules makes it worth checking rather than leaving on autopilot.