
Get exclusive money-saving offers and guides
Straight to your inbox
Updated
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
ClearView has been specialising in offering advice-based insurance solutions to Australians for over 20 years. In addition to the Life, TPD, Trauma and Funeral protection options, Clearview offers Income Protection cover both through their adviser team and direct.
An adviser can help you find cover from trusted life insurance brands.
Maximum cover amount | Up to $40,000 per month (up to 75% of monthly income) |
---|---|
Age of entry | 18 to 60 |
How much can I expect to pay? | For an annual income of $75,000:
|
How do I apply? | With an adviser over the phone |
Based on Clearview LifeSolutions Income Protection Insurance policy. Age of entry varies with the type of premium you choose. Costs are an estimate based on a male, non-smoking office worker and was taken out on October 2020 using Finder's quote engine. Cost is subject to change at anytime.
Pros | Cons |
---|---|
|
|
|
|
| |
|
Information last checked on October 2020. Always consult the Product Disclosure Statement (PDS).
Based on Clearview LifeSolutions Income Protection Insurance policy
Claims data | Clearview | Industry Average |
---|---|---|
Average claim time (months) | 1.40 | 1.60 |
Claim disputes (per 100,000 lives insured) | 16.9 | 129.9 |
We looked at APRA data for claims over 2017-2018. The statistics above reflect 'income protection' claims.
ClearView Income Protection provides you with an ongoing monthly benefit payment if you are disabled due to illness or injury. ClearView offers two levels of cover; Income Protection Cover and Income Protection Plus.
While Income Protection Plus provides additional features, more flexibility during the waiting period and less reductions, both forms of cover provide the following built-in benefits;
ClearView Income Protection also offers a range of options that allow you to tailor your cover to your particular needs. These include;
There are a number of factors that will determine the premium you pay for your ClearView Income Protection. These include;
The cost of your premium may be reduced if you are eligible for a discount. Situations in which you may be eligible include;
If you need to make a claim under your ClearView Income Protection policy, the conditions of payment include:
Your claim will then be reviewed and if successful, the benefit will be paid to you the policy holder or, in the case of the death benefit, to your beneficiaries.
There is a maximum and minimum age to be eligible for Total and Partial Disability cover. The minimum age you must be to hold a ClearView Income Protection policy is 18 years of age and you must be gainfully employed for a minimum of 20 hours a week.
The maximum eligibility age is 60 years of age and again, you must be gainfully employed for at least 20 hours a week. A range of policy expiry ages are also available, including 60, 65 and 70 years of age, but the age 70 expiry is only available with the age 70 benefit period.
ClearView Income Protection is subject to conditions and exclusions, as is any form of personal insurance. Circumstances in which a benefit will not be paid include if your death or disability is;
Other things to be aware of about your ClearView Income Protection Insurance include;
If you are ready to start comparing Income Protection policies, you can receive a secure quote for ClearView Income Protection by entering your details in the form above. An insurance consultant will contact you and provide you with a quote for cover and explain any of the policy features you are unsure of. If you are interested in applying for cover, the consultant will provide you with the necessary assistance to submit your application and get cover in place.
Back to topWant to insure a Porsche 911? Here are things we think you should know.
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, $0 annual fee for the first year, a $500 gift card, a balance transfer offer and a range of complimentary insurance covers.
How to get life insurance if you have been in a coma.
How to get life insurance if you’ve had a stroke.
The ins and outs of life insurance if you have epilepsy.
Can you get life insurance if you have a pacemaker? We explain how it works.
Find the right granny flat insurance, whether you're renting yours out or you've moved into one.
Find out if TPD insurance in super is right for you.
Everything you need to know about the cost of trauma insurance.