With energy prices rising, switch to a cheaper plan
Compare Prices Now

ClearView Income Protection

ClearView income protection is good if you want an affordable insurer with flexible cover options and add-ons.

No reviews yet. Write a review

5 Years Or Age 65

Maximum Benefit Period

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!


Product NameClearView Income Protection
Maximum Benefit Period5 Years Or Age 65
Benefit Period Options 2 Years, 5 Years Or Age 65
Waiting Period Options30, 60 or 90 days

ClearView income protection: Our verdict

  • It's recently launched a new income protection range with two options: IP and IP Flexi.
  • It's one of the most affordable options on the market, according to our research prices.
  • It offers nine built-in benefits, four optional extras and a TPD lump sum option for no additional cost.

  • You can select a Booster option, which increases the benefit amount by an additional 20% for the first six months of a claim, but you need to pay extra for it.

Read a more detailed review on:

life insurance shield

Income protection

Key points of ClearView income protection options

  • IP: ClearView's standard level of insurance pays up to 60% of pre-disability income to age 65.
  • IP Flex: ClearView's highest level of insurance pays up to 70% of pre-disability income for the first two years of a claim.

life insurance icon

Optional cover

Key points of ClearView income protection optional cover

These are some of the add on options with a ClearView income insurance policy:

  • Extended Income Support Option. You can extend your disability income to age 60 by if you need a higher level of ongoing cover.
  • Booster option. This increases the benefit amount by an additional 20% for the first six months of a claim.

Note: Make sure you check the Product Disclosure Statement (PDS) for terms and conditions.

coverage icon

Applying for cover

Applying for ClearView cover

  • You need to be at least 18 years of age.
  • You must be gainfully employed for a minimum of 20 hours a week.

ClearView income protection pros and cons

Still wondering if ClearView is right for you? Here are the main pros and cons summarised:


  • It comes with more than one income protection option.
  • It's affordable.
  • Its add ons may be helpful if you're older or are a high earner.


  • You need to pay extra for some of the benefits.
  • It might be possible to get a higher life insurance benefit elsewhere.

How do I make a ClearView income protection claim?

If you need to make a claim on your ClearView income protection insurance policy:

  1. You call them on 132 979 (opening hours 8am - 7pm, Mon-Fri, AEST).
  2. They'll discuss your claim with you, including the benefits that you may be entitled to.
  3. They'll gather the paperwork.
  4. Once they have all the information they need, they will make the payment.

Exclusions to be aware of

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;

  • Self-inflicted or the result of suicide or attempted suicide
  • The result of an act of war (whether declared or not)
  • Due to normal or uncomplicated pregnancy or childbirth, elective surgery or treatment you voluntarily undergo
  • Related to pregnancy, childbirth or miscarriage complications (in which case a three month qualifying period applies).

Read the PDS for more information on the general exclusions that apply to your policy.

Compare more income protection policies below

1 - 5 of 5
Name Product Maximum Monthly Benefit Maximum % of Income Covered Maximum Benefit Period Average Claims Acceptance Rate Average Claim Time Sum Insured Apply
AAMI Income Protection
Up to
5 years
2.1 months
$211 million
If you’re an existing AAMI customer, you can save 5% on income protection. New customers can get one month free by paying annually.
Insuranceline Income Protection
Up to
5 years
2.1 months
$211 million
Get 12 months cover for the price of 11 months if you pay annually. T&Cs apply.
Suncorp Income Protection
Up to
5 years
2.1 months
$211 million
Sign up and become a member of Suncorp Benefits. Access savings of up to 15% from major retailers. Existing members can get a 5% discount off their policy.
TAL Income Protection
Up to
Age 65
2.1 months
$211 million
Get up to 70% of your income covered with flexible short and long term benefit periods.
RAC Disability Income Insurance  (Only available in Western Australia)
Up to
Age 65
Data not available
Data not available
$59 million
When you purchase RAC Income Protection, WA residents receive complimentary RAC membership which includes access to discounts on fuel, savings on shopping, entertainment and more. T&Cs at rac.com.au.

Compare up to 4 providers

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site