direct income protection - canstar...direct income protection we endeavour to include the majority...

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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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 1Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 2Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 3Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

Direct Income Protection - Star Ratings 2017 - Page 4Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 5Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Light Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 6Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 7Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Male Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 8Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 9Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 10Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 11Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 12Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 13Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Light Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 14Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 15Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

55-59 Years Female Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 16Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 17Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 18Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 19Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 20Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Zurich Ezicover Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 21Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Light Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Zurich Ezicover Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 22Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 23Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Male Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 24Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Professional/White Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 25Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Professional/White Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 26Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 27Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 28Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 29Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Light Blue Collar Non-Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 30Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 31Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

50-54 Years Female Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 32Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Professional/White Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 33Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Professional/White Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Zurich Ezicover Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 34Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 35Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

Direct Income Protection - Star Ratings 2017 - Page 36Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Zurich Ezicover Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 37Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Light Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Zurich Ezicover Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 38Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 39Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Male Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 40Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 41Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 42Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 43Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 44Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Light Blue Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 45Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Light Blue Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 46Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 47Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

40-49 Years Female Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 48Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 49Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 50Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 51Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 52Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Light Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Zurich Ezicover Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 53Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Light Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Zurich Ezicover Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 54Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 55Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Male Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

0Medibank Income Protection

0NRMA Income Protection

0AAMI Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 56Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 57Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0RAC Income Protection

0RACQ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 58Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 59Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 60Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Light Blue Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 61Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Light Blue Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0Zurich Ezicover Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 62Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 63Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

30-39 Years Female Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 64Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Professional/White Collar Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

0AAMI Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 65Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Professional/White Collar Non-Smoker

"Outstanding Value"

0ANZ Income Protection

0NobleOak Life Premium Life Direct Income Protection

0AAMI Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 66Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 67Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Medium Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0Virgin Money Income Protection Tailored

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0NRMA Income Protection

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 68Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Light Blue Collar Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Zurich Ezicover Income Protection

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0Virgin Money Income Protection Tailored

Direct Income Protection - Star Ratings 2017 - Page 69Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Light Blue Collar Non-Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Zurich Ezicover Income Protection

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0Virgin Money Income Protection Tailored

Direct Income Protection - Star Ratings 2017 - Page 70Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 71Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Male Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 72Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Professional/White Collar Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 73Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Professional/White Collar Non-Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0Citi Prime Income Cover

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0RAC Income Protection

0RACQ Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 74Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Medium Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 75Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Medium Blue Collar Non-Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 76Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Light Blue Collar Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 77Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Light Blue Collar Non-Smoker

"Outstanding Value"

0AAMI Income Protection

0NobleOak Life Premium Life Direct Income Protection

0ANZ Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0NRMA Income Protection

0Virgin Money Income Protection Quick & Easy

0Zurich Ezicover Income Protection

Direct Income Protection - Star Ratings 2017 - Page 78Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Heavy Blue Collar Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0AAMI Income Protection

10InsuranceLine Income Protection Plus Ratesaver

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 79Report Date: February, 2017. (All information is correct as at December, 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.

CompanyWaiting Period Partial

Disabillity Covered

Hours per week can

return to work 14 Days 28 or 30 Days 60 Days 90 Days

Benefit Period

6 Months 1 Year 2 Years 5 YearsProduct

To Age 65

20-29 Years Female Heavy Blue Collar Non-Smoker

"Outstanding Value"

0NobleOak Life Premium Life Direct Income Protection

0NRMA Income Protection

0AAMI Income Protection

0Suncorp Income Protection

0Virgin Money Income Protection Tailored

0ANZ Income Protection

10InsuranceLine Income Protection Plus Ratesaver

10InsuranceLine Income Protection Plus Timesaver

0Medibank Income Protection

0NIB Income Protection

0Virgin Money Income Protection Quick & Easy

Direct Income Protection - Star Ratings 2017 - Page 80Report Date: February, 2017. (All information is correct as at December, 2016.)

Direct Income Protection - Star Ratings 2017 - Page 81Report Date: February, 2017. (All information is correct as at December, 2016.)

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