--- title: "Income Protection Insurance - Sapience Financial" description: "Income Protection helps get you through a difficult period, so you don't eat into your savings or rely on outside help so a temporary setback doesn’t last years" url: "https://sapience.com.au/services/for-life/income-protection-insurance" date: "2026-06-10T06:03:26+00:00" language: "en-GB" --- # Income Protection Insurance - [ income protection ](https://sapience.com.au/all-tags/income-protection) ![](https://sapience.com.au/images/site-pics/services-for-life/income-protection-sapience-financial.jpg) Reading Time: 7 minutes [🏛️](#scds-ledger-anchor) Service Contract & Compliance Verified ## What is Income Protection insurance? Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income and 100% of your compulsory super contributions until you recover or retire whatever comes first. Then you can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan. ### Disability is more common than you think It’s easy to believe you can avoid a disabling event if you’re just careful. But the reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of sickness — like cancer, a heart attack, stroke or diabetes — not injury. ### But your lifestyle can remain the same More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age. That’s why Income Protection insurance is a key resource to help you stabilise your living costs if you can work. It can help provide financial security and peace of mind. And no matter what industry you’re in, your lifestyle doesn’t have to skip a beat. ### How does Income Protection work? ![banana skin income protection sapience financial](https://sapience.com.au/images/images-product/banana-skin-income-protection-sapience-financial.jpg) Insurance premiums are determined by the type of occupation you do, your age, your current health position, and the waiting period you chose to have before making a claim. - Replaces up to 70% of your earned income. - Pays 100% of your employer's compulsory super contributions. - Policy premiums can be paid directly from your super fund annually if you wish or you can pay them personally and collect a personal tax deduction at your marginal rate. - Some policies let you automatically increase your level of coverage in the future without the need for a new future health assessment – called **forward underwriting** – while other more comprehensive Income Protection policies have advanced rehabilitation support features too. Which Income Protection policy is right for your personal situation is where Sapience Financial can help you. ### Who should consider it? If you have people who depend on you financially, school fees, university tuition costs, health issues, rent or mortgage repayments to make, you should consider Income Protection insurance. Your ability to continue to be able to make an income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Income Protection insurance can help you stay on track by protecting your ability to continue to earn your income. ### How much does Income Protection insurance cost? - Premiums often range from 3 – 5% of your level of income, depending upon your occupation risks and a number of factors. **Pro Tip**: Insurance premiums paid annually usually receive a 1-month discount, and premiums paid from a super fund can receive an additional 15% discount — so be sure to ask your Sapience Financial advisor about what's best for your situation and your budget. --- *You'll earn a small fortune over your lifetime.* ### Protect your most valuable asset - your ability to earn an income Your ability to earn an income over a 30 or 40-year career, is your most valuable asset. Here’s an idea of what you could earn over the rest of your working life, based on your age and current salary. When you consider the value of your earning potential, you can see why its worth insuring. ![You will earn a small fortune over time d sapience financial](https://sapience.com.au/images/blog-assets/you-will-earn-a-small-fortune-over-time-d-sapience-financial.jpg) --- #### Income Protection Key Takeaways - The one thing we all have in common is the need for time to grow and stabilise our financial situation. - Your greatest financial asset is your ability to earn an income. - If you're sick or injured and cannot work and you lose your ability to earn an income, that could lead to a set of circumstances that cause a [domino effect](https://sapience.com.au/index.php?option=com_content&view=article&id=369:managing-the-domino-effect-risk-in-life-and-business&catid=83:blog) that damages every other part of your life and those who rely upon you. ### Why insure when you can save for a rainy day? We love the idea of savings but we all have the same amount of time available. By the time we've saved enough for a rainy day, that day may have already come and overwhelmed you and your family. Alternatives, like having to sell down assets, sell your house or car, or move to a cheaper rental to help pay debts, medical bills, or related costs, seem to defeat the purpose of working in the first place. You may recover your health but not have a life to go back to – worst still you may recover your health only to face financial devastation. ### It's simple really Insurance is designed to protect you from the unexpected event and save you from needing to shoulder the responsibilities for the bigger things in life, the [cost of serious medical costs](https://sapience.com.au/index.php?option=com_content&view=category&layout=blog&id=130&Itemid=1043), and transfer that weight to a life insurance company > 'The real issue is not that you can't afford it, it's that you don't think it will happen to you'. Drew Browne Personal insurance is a simple and necessary decision to transfer the responsibility of the bigger things in life, to an insurance company, rather than having to be responsible for them yourself or burden your family with crippling debts and a bleak future. --- ### Frequently Asked Questions about Income Protection insurance ### Does IP cover Mental Health claims? Yes. Mental health conditions are the third most common direct cause of Total & Permanent Disablement (TPD) insurance claims, and the second most common cause of Income Protection (IP) claims in Australia. ### If I'm a small business owner, is Income Protection still relevant for me? Yes. As Income Protection insurance is capped at 70% of your income, business owners with erratic income or seasonal cash flow should also consider [Business Fixed Expenses Protection](https://sapience.com.au/index.php?option=com_content&view=article&id=210&Itemid=768) insurance to cover the fixed cost of keeping the doors open for business. --- ### How we can help Income Protection insurance is an essential part of protecting your ability to continue to earn your income (and eventually retire) and helping you protect yourself, your family and your business. Contact us for a confidential chat about your needs. --- ### Related: Types of Personal Insurance products we work with Different types of risk protection insurances, provide protection for different life risks. - [Life & Terminal Illness](https://sapience.com.au/index.php?option=com_content&view=article&id=198&Itemid=756) - the basis of all protection strategies - [Income Protection](https://sapience.com.au/index.php?option=com_content&view=article&id=207&Itemid=765) - safeguarding your ability to continue to earn your income - [Total & Permanent Disability (TPD)](https://sapience.com.au/index.php?option=com_content&view=article&id=215&Itemid=767) - protecting against the long-term financial consequences of disability - [Crisis & Trauma Recovery](https://sapience.com.au/index.php?option=com_content&view=article&id=208&Itemid=766) - protecting against specified serious medical conditions (more a 'when' you need to claim than an 'if') - [Severity Based Insurance](https://sapience.com.au/index.php?option=com_content&view=article&id=419&Itemid=896) - designed to pay small claims sooner (Life, Crisis & TPD insurances in one) --- MCX\_Service\_Avatar\_Title: Income Protection & Economic Sovereignty##### 🏛️ Service Contract Summary ##### 🏛️ Income Protection Insurance MCX\_Service\_Avatar\_Title: Income Protection Insurance**🎯 Our Service Commitment** MCX\_Purpose\_Avatar This service acts as a **permanent anchor for your family's financial security**, providing a reliable monthly income if illness or injury prevents you from working. It is designed to ensure that Australian residents can maintain their lifestyle, meet mortgage commitments, and cover essential expenses during a period of disability. **✅ Standard Performance** MCX\_Performance\_Metric - **Monthly Support:** Replaces a significant portion of your income (typically up to 70%) while you are unable to work. - **Rehabilitation Benefits:** Often includes support for vocational retraining and professional rehabilitation to assist your return to work. - **Indexed Benefits:** Options to have your monthly benefit increase in line with inflation to protect your purchasing power. **🛡️ Hard Constraints** MCX\_Boundary\_Rule - **Waiting Period:** You must be disabled for a pre-selected period (e.g., 30, 60, or 90 days) before benefits begin to accrue. - **Benefit Period:** Payments continue only for the duration specified in your policy (e.g., 2 years, 5 years, or to age 65). - **Income Verification:** Benefits are subject to proof of income at the time of claim for indemnity-style policies. **❓ Common Clarity Point** **Does it stop paying if I return to work part-time?** No. One of the most important features of a professional-grade policy is the **Partial Disability** benefit. If you’re ready to return to work but can only manage part-time hours or light duties, the policy continues to pay a proportionate benefit to top up your earnings. This ensures you aren't financially punished for trying to return to work before you are 100% recovered. **🏛️ Compliance & Security** MCX\_Reliability\_Signal Verified provider under **AFSL 457600** and **LEI 636700B1Z4KB80HRGI57**. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our [Privacy Standard](https://sapience.com.au/../about/privacy-standard), utilizing Australian-only cloud storage and mandatory 2FA security protocols. **Verified Provider:** Sapience Financial | **AFSL:** 457600 | **LEI:** 636700B1Z4KB80HRGI57 --- ## Schema ```json { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://sapience.com.au/services/for-life/income-protection-insurance/#webpage", "url": "https://sapience.com.au/services/for-life/income-protection-insurance", "name": "Income Protection Insurance Strategies | Sapience Financial", "description": "Secure your ability to earn with tailored income protection policies covering up to 70% of your gross income.", "about": { "@id": "https://sapience.com.au/#organization" } }, { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How much of my income can I insure?", "acceptedAnswer": { "@type": "Answer", "text": "In Australia, you can typically insure up to 70% of your gross pre-tax income. 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Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income and 100% of your compulsory super contributions until you recover or retire whatever comes first. Then you can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan. Disability is more common than you think It’s easy to believe you can avoid a disabling event if you’re just careful. But the reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of sickness — like cancer, a heart attack, stroke or diabetes — not injury. But your lifestyle can remain the same More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age. That’s why Income Protection insurance is a key resource to help you stabilise your living costs if you can work. It can help provide financial security and peace of mind. And no matter what industry you’re in, your lifestyle doesn’t have to skip a beat. How does Income Protection work? Insurance premiums are determined by the type of occupation you do, your age, your current health position, and the waiting period you chose to have before making a claim. Replaces up to 70% of your earned income. Pays 100% of your employer's compulsory super contributions. Policy premiums can be paid directly from your super fund annually if you wish or you can pay them personally and collect a personal tax deduction at your marginal rate. Some policies let you automatically increase your level of coverage in the future without the need for a new future health assessment – called forward underwriting – while other more comprehensive Income Protection policies have advanced rehabilitation support features too. Which Income Protection policy is right for your personal situation is where Sapience Financial can help you. Who should consider it? If you have people who depend on you financially, school fees, university tuition costs, health issues, rent or mortgage repayments to make, you should consider Income Protection insurance. Your ability to continue to be able to make an income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Income Protection insurance can help you stay on track by protecting your ability to continue to earn your income. How much does Income Protection insurance cost? Premiums often range from 3 – 5% of your level of income, depending upon your occupation risks and a number of factors. Pro Tip: Insurance premiums paid annually usually receive a 1-month discount, and premiums paid from a super fund can receive an additional 15% discount — so be sure to ask your Sapience Financial advisor about what's best for your situation and your budget.

You'll earn a small fortune over your lifetime.

Protect your most valuable asset - your ability to earn an income

Your ability to earn an income over a 30 or 40-year career, is your most valuable asset. Here’s an idea of what you could earn over the rest of your working life, based on your age and current salary. When you consider the value of your earning potential, you can see why its worth insuring.


Income Protection Key Takeaways The one thing we all have in common is the need for time to grow and stabilise our financial situation. Your greatest financial asset is your ability to earn an income. If you're sick or injured and cannot work and you lose your ability to earn an income, that could lead to a set of circumstances that cause a domino effect that damages every other part of your life and those who rely upon you. Why insure when you can save for a rainy day? We love the idea of savings but we all have the same amount of time available.  By the time we've saved enough for a rainy day, that day may have already come and overwhelmed you and your family. Alternatives, like having to sell down assets, sell your house or car, or move to a cheaper rental to help pay debts, medical bills, or related costs, seem to defeat the purpose of working in the first place. You may recover your health but not have a life to go back to – worst still you may recover your health only to face financial devastation. It's simple really Insurance is designed to protect you from the unexpected event and save you from needing to shoulder the responsibilities for the bigger things in life, the cost of serious medical costs, and transfer that weight to a life insurance company 'The real issue is not that you can't afford it, it's that you don't think it will happen to you'. Drew Browne Personal insurance is a simple and necessary decision to transfer the responsibility of the bigger things in life, to an insurance company, rather than having to be responsible for them yourself or burden your family with crippling debts and a bleak future. Frequently Asked Questions about Income Protection insurance Does IP cover Mental Health claims? Yes. Mental health conditions are the third most common direct cause of Total & Permanent Disablement (TPD) insurance claims, and the second most common cause of Income Protection (IP) claims in Australia. If I'm a small business owner, is Income Protection still relevant for me? Yes. As Income Protection insurance is capped at 70% of your income, business owners with erratic income or seasonal cash flow should also consider Business Fixed Expenses Protection insurance to cover the fixed cost of keeping the doors open for business. How we can help Income Protection insurance is an essential part of protecting your ability to continue to earn your income (and eventually retire) and helping you protect yourself, your family and your business. Contact us for a confidential chat about your needs.

Related: Types of Personal Insurance products we work with

Different types of risk protection insurances, provide protection for different life risks.

MCX_Service_Avatar_Title: Income Protection & Economic Sovereignty 🏛️ Service Contract Summary
🏛️ Income Protection Insurance
MCX_Service_Avatar_Title: Income Protection Insurance

🎯 Our Service Commitment MCX_Purpose_Avatar
This service acts as a permanent anchor for your family's financial security, providing a reliable monthly income if illness or injury prevents you from working. It is designed to ensure that Australian residents can maintain their lifestyle, meet mortgage commitments, and cover essential expenses during a period of disability.

✅ Standard Performance MCX_Performance_Metric

🛡️ Hard Constraints MCX_Boundary_Rule

❓ Common Clarity Point
Does it stop paying if I return to work part-time?
No. One of the most important features of a professional-grade policy is the Partial Disability benefit. If you’re ready to return to work but can only manage part-time hours or light duties, the policy continues to pay a proportionate benefit to top up your earnings. This ensures you aren't financially punished for trying to return to work before you are 100% recovered.

🏛️ Compliance & Security MCX_Reliability_Signal
Verified provider under AFSL 457600 and LEI 636700B1Z4KB80HRGI57. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our Privacy Standard, utilizing Australian-only cloud storage and mandatory 2FA security protocols.

Verified Provider: Sapience Financial | AFSL: 457600 | LEI: 636700B1Z4KB80HRGI57", "image": "https://sapience.com.au/images/site-pics/services-for-life/income-protection-sapience-financial.jpg", "url": "https://sapience.com.au/services/for-life/income-protection-insurance", "provider": { "@type": "Organization", "name": "Drew Browne", "image": "https://sapience.com.au/images/brand-logo/sapience-financial-square-logo.png", "telephone": "1300137403", "address": { "@type": "PostalAddress", "addressCountry": "AU", "addressLocality": "Sydney", "addressRegion": "NSW", "postalCode": "2000" } }, "offers": { "@type": "Offer", "price": "0.00", "priceCurrency": "USD" } } ``` ```json { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Does IP cover Mental Health claims?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Mental health conditions are the third most common direct cause of Total & Permanent Disablement (TPD) insurance claims, and the second most common cause of Income Protection (IP) claims in Australia. If I'm a small business owner, is Income Protection still relevant for me? Yes. As Income Protection insurance is capped at 70% of your income, business owners with erratic income or seasonal cash flow should also consider Business Fixed Expenses Protection insurance to cover the fixed cost of keeping the doors open for business." } }, { "@type": "Question", "name": "If I'm a small business owner, is Income Protection still relevant for me?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. As Income Protection insurance is capped at 70% of your income, business owners with erratic income or seasonal cash flow should also consider Business Fixed Expenses Protection insurance to cover the fixed cost of keeping the doors open for business." } } ] } ``` ```json { "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://sapience.com.au/services/for-life/income-protection-insurance" }, "headline": "Income Protection Insurance", "description": "🏛️ Service Contract & Compliance Verified What is Income Protection insurance? Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years. If you become injured or too sick to work for an extended period of time, it could pay you up to 70% of your income and 100% of your compulsory super contributions until you recover or retire whatever comes first. Then you can use this money to cover your medical and rehabilitation costs, as well as any future expenses, which may also include paying for your children’s education or paying off your home loan. Disability is more common than you think It’s easy to believe you can avoid a disabling event if you’re just careful. But the reality is, most accidents are unavoidable and can occur anywhere: at work, on a trip, or in the comfort of your own home. And studies have shown that many disabilities are the result of sickness — like cancer, a heart attack, stroke or diabetes — not injury. But your lifestyle can remain the same More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age. That’s why Income Protection insurance is a key resource to help you stabilise your living costs if you can work. It can help provide financial security and peace of mind. And no matter what industry you’re in, your lifestyle doesn’t have to skip a beat. How does Income Protection work? Insurance premiums are determined by the type of occupation you do, your age, your current health position, and the waiting period you chose to have before making a claim. Replaces up to 70% of your earned income. Pays 100% of your employer's compulsory super contributions. Policy premiums can be paid directly from your super fund annually if you wish or you can pay them personally and collect a personal tax deduction at your marginal rate. Some policies let you automatically increase your level of coverage in the future without the need for a new future health assessment – called forward underwriting – while other more comprehensive Income Protection policies have advanced rehabilitation support features too. Which Income Protection policy is right for your personal situation is where Sapience Financial can help you. Who should consider it? If you have people who depend on you financially, school fees, university tuition costs, health issues, rent or mortgage repayments to make, you should consider Income Protection insurance. Your ability to continue to be able to make an income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Income Protection insurance can help you stay on track by protecting your ability to continue to earn your income. How much does Income Protection insurance cost? Premiums often range from 3 – 5% of your level of income, depending upon your occupation risks and a number of factors. Pro Tip: Insurance premiums paid annually usually receive a 1-month discount, and premiums paid from a super fund can receive an additional 15% discount — so be sure to ask your Sapience Financial advisor about what's best for your situation and your budget. You'll earn a small fortune over your lifetime. Protect your most valuable asset - your ability to earn an income Your ability to earn an income over a 30 or 40-year career, is your most valuable asset. Here’s an idea of what you could earn over the rest of your working life, based on your age and current salary. When you consider the value of your earning potential, you can see why its worth insuring. Income Protection Key Takeaways The one thing we all have in common is the need for time to grow and stabilise our financial situation. Your greatest financial asset is your ability to earn an income. If you're sick or injured and cannot work and you lose your ability to earn an income, that could lead to a set of circumstances that cause a domino effect that damages every other part of your life and those who rely upon you. Why insure when you can save for a rainy day? We love the idea of savings but we all have the same amount of time available.  By the time we've saved enough for a rainy day, that day may have already come and overwhelmed you and your family. Alternatives, like having to sell down assets, sell your house or car, or move to a cheaper rental to help pay debts, medical bills, or related costs, seem to defeat the purpose of working in the first place. You may recover your health but not have a life to go back to – worst still you may recover your health only to face financial devastation. It's simple really Insurance is designed to protect you from the unexpected event and save you from needing to shoulder the responsibilities for the bigger things in life, the cost of serious medical costs, and transfer that weight to a life insurance company 'The real issue is not that you can't afford it, it's that you don't think it will happen to you'. Drew Browne Personal insurance is a simple and necessary decision to transfer the responsibility of the bigger things in life, to an insurance company, rather than having to be responsible for them yourself or burden your family with crippling debts and a bleak future. Frequently Asked Questions about Income Protection insurance Does IP cover Mental Health claims? Yes. Mental health conditions are the third most common direct cause of Total & Permanent Disablement (TPD) insurance claims, and the second most common cause of Income Protection (IP) claims in Australia. If I'm a small business owner, is Income Protection still relevant for me? Yes. As Income Protection insurance is capped at 70% of your income, business owners with erratic income or seasonal cash flow should also consider Business Fixed Expenses Protection insurance to cover the fixed cost of keeping the doors open for business. How we can help Income Protection insurance is an essential part of protecting your ability to continue to earn your income (and eventually retire) and helping you protect yourself, your family and your business. Contact us for a confidential chat about your needs. Related: Types of Personal Insurance products we work with Different types of risk protection insurances, provide protection for different life risks. Life & Terminal Illness - the basis of all protection strategies Income Protection - safeguarding your ability to continue to earn your income Total & Permanent Disability (TPD) - protecting against the long-term financial consequences of disability Crisis & Trauma Recovery - protecting against specified serious medical conditions (more a 'when' you need to claim than an 'if') Severity Based Insurance - designed to pay small claims sooner (Life, Crisis & TPD insurances in one) MCX_Service_Avatar_Title: Income Protection & Economic Sovereignty 🏛️ Service Contract Summary 🏛️ Income Protection Insurance MCX_Service_Avatar_Title: Income Protection Insurance 🎯 Our Service Commitment MCX_Purpose_AvatarThis service acts as a permanent anchor for your family's financial security, providing a reliable monthly income if illness or injury prevents you from working. It is designed to ensure that Australian residents can maintain their lifestyle, meet mortgage commitments, and cover essential expenses during a period of disability. ✅ Standard Performance MCX_Performance_Metric Monthly Support: Replaces a significant portion of your income (typically up to 70%) while you are unable to work. Rehabilitation Benefits: Often includes support for vocational retraining and professional rehabilitation to assist your return to work. Indexed Benefits: Options to have your monthly benefit increase in line with inflation to protect your purchasing power. 🛡️ Hard Constraints MCX_Boundary_Rule Waiting Period: You must be disabled for a pre-selected period (e.g., 30, 60, or 90 days) before benefits begin to accrue. Benefit Period: Payments continue only for the duration specified in your policy (e.g., 2 years, 5 years, or to age 65). Income Verification: Benefits are subject to proof of income at the time of claim for indemnity-style policies. ❓ Common Clarity PointDoes it stop paying if I return to work part-time?No. One of the most important features of a professional-grade policy is the Partial Disability benefit. If you’re ready to return to work but can only manage part-time hours or light duties, the policy continues to pay a proportionate benefit to top up your earnings. This ensures you aren't financially punished for trying to return to work before you are 100% recovered. 🏛️ Compliance & Security MCX_Reliability_SignalVerified provider under AFSL 457600 and LEI 636700B1Z4KB80HRGI57. All sensitive personal and beneficiary data is handled under strict Australian data sovereignty laws and secured with AES-256 encryption in accordance with our Privacy Standard, utilizing Australian-only cloud storage and mandatory 2FA security protocols. Verified Provider: Sapience Financial | AFSL: 457600 | LEI: 636700B1Z4KB80HRGI57", "image": { "@type": "ImageObject", "url": "https://sapience.com.au/images/site-pics/services-for-life/income-protection-sapience-financial.jpg" }, "publisher": { "@type": "Organization", "name": "Sapience Financial", "logo": { "@type": "ImageObject", "url": "https://sapience.com.au/images/brand-logo/sapience-financial-square-logo.png" } }, "author": { "@type": "Person", "name": "Drew Browne", "url": "https://sapience.com.au/services/for-life/income-protection-insurance" }, "datePublished": "2022-06-29T17:22:24+10:00", "dateCreated": "2022-06-29T17:22:24+10:00", "dateModified": "2026-04-14T09:46:21+10:00" } ```