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How do I structure my Income Protection Insurance policy? Income protection insurance can be owned either by you individually or by a company either in trust or in a superannuation fund. Whatever way you decide to structure your income protection policy we do recommend you seek expert advice form a professional financial planner, to maximise your benefits. This really is a complex area but if structured correctly you can net significant tax advantages. Essentially Income protection (ip) insurance is tax deductable whether you own the policy in your name, a family trust and or a superannuation fund, but all three can offer different outcomes when we consider taxation treatment.

Mortgage protection is a term that is often confused with mortgage insurance. The latter protects the lender if you should default on your payments for any reason. The former is a type of insurance that covers you for the payment of your mortgage, should disaster in the form of disability or illness strike you.

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