A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking VIC nurse was quoted at $192.76/month on 14 October 2026 — unchanged to the cent for a third consecutive month — with the same package priced at age 30 and age 50, and compared against a teacher on the same day.

A full package of life, TPD, income protection and trauma cover for a non-smoking male NSW electrician was quoted at $154.18/month at age 30, $173.90 at age 40 and $417.36 at age 50 on 14 October 2026 - the breakdown by cover type, insurer and age, on a like-for-like benefit basis.

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.