AMP Income Protection

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AMP life insurance products are all offered under their Flexible Lifetime – Protection Plan. Please refer to the Product Disclosure Statements below for more detail.


Income Protection works by paying you a monthly benefit while you are too sick or injured to go to work. Most Income Protection plans pay a monthly benefit of up to 75% of your regular salary. This type of insurance is designed to help you continue paying the mortgage, children's school fees, phone and utility bills, run your car, buy food and clothes, basically all of your day-to-day living expenses.

Built-in benefits and features

The following benefits and features are built into the AMP Income Protection Plan:

AMP's Income Protection Plan benefits are structured into three modules so that your individual needs can be easily catered for.

The three modules are structured as follows:

Module Options Basic Plan Standard Plan Advanced Plan
Total Disability benefit Yes Yes Yes
Partial Disability benefit Yes Yes Yes
Death feature No Yes Yes
Bedcare benefit No No Yes
Major Facture or Loss feature No No Yes
Trauma feature No No Yes
Rehabilitation Costs feature Yes Yes Yes
Rehabilitation bonus Yes Yes Yes
Overseas Transport feature Yes Yes Yes
Indexation feature Yes Yes Yes
Guaranteed Future Insurability feature Yes Yes Yes
On Hold feature Yes Yes Yes
Change of Employer feature Yes Yes Yes
Attempted return to work feature Yes Yes Yes
Relapse feature Yes Yes Yes
Premium Waiver Yes Yes Yes
Accommodation benefit No No Yes
Domestic Transport benefit No No Yes
Family Support benefit No No Yes

Additional premium options

The following options are available at an additional premium cost:

Module Options Basic Plan Standard Plan Advanced Plan
Day 1 Accident option No Yes Yes
Superannuation Contribution option Yes Yes Yes
Aids Exclusion option Yes Yes Yes
Claims Escalation option Yes Yes No

Contact AMP Insurance

Call: 133 888
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