Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 1Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 2Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 3Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 4Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 5Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 6Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 7Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Male, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 8Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 9Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 10Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 11Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 12Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 13Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 14Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 15Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Late 50's- Female, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 16Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 17Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 18Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 19Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 20Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 21Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 22Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 23Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Male, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 24Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 25Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 26Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 27Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 28Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 29Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 30Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 31Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

Early 50's- Female, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 32Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 33Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 34Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 35Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 36Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 37Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 38Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 39Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Male, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 40Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 41Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 42Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Medium Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 43Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 44Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 45Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 46Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 47Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40's- Female, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 48Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 49Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 50Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 51Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 52Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 53Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 54Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 55Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Male, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 56Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 57Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 58Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Medium Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 59Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 60Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 61Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 62Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 63Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30's - Female, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 64Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

Direct Income Protection Star Ratings 2016 - Page 65Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

Direct Income Protection Star Ratings 2016 - Page 66Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Medium Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 67Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20'S - Male, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 68Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 69Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

Direct Income Protection Star Ratings 2016 - Page 70Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 71Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Male, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 72Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Prof/White Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 73Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Prof/White Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘Citibank Prime Income Cover

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘RACQ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 74Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Medium Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 75Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20'S - Female, Medium Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 76Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Light Blue Collar Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 77Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Light Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✘ ✔ ✔ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Zurich Ezicover Income Protection

Direct Income Protection Star Ratings 2016 - Page 78Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Heavy Blue Collar Smoker

����� "Outstanding Value"

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

����

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

Direct Income Protection Star Ratings 2016 - Page 79Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income ProtectionWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company

Waiting Period Partial

Disabillity

Covered

Hours per week

can return to

work on claim14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20's - Female, Heavy Blue Collar Non-Smoker

����� "Outstanding Value"

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘AAMI Income Protection

✘ ✔ ✘ ✔ ✘ ✘ ✔ ✘ ✔ 0✔NobleOak Premium Life Direct Income Protection

✘ ✔ ✘ ✘ ✘ ✔ ✔ ✘ ✘ 0✘Suncorp Income Protection

����

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 10✘InsuranceLine Income Protection Plus Ratesaver

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘NRMA Income Protection

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✘ 0✘Virgin Money Tailored Income Protection

���

✘ ✔ ✘ ✔ ✔ ✔ ✔ ✘ ✘ 0✘ANZ Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 10✘InsuranceLine Income Protection Plus Timesaver

✘ ✔ ✘ ✔ ✘ ✔ ✔ ✔ ✘ 0✘Medibank Income Protection

✔ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘NIB Income Protection

✘ ✔ ✘ ✘ ✔ ✔ ✔ ✘ ✘ 0✘Virgin Money Quick & Easy Income Protection

Direct Income Protection Star Ratings 2016 - Page 80Report Date: February, 2016. (All information is correct as at January, 2016.)

Direct Income Protection Star Ratings 2016 - Page 81Report Date: February, 2016. (All information is correct as at January, 2016.)