Life Insurance and Income Protection for Sole Traders
Income Protection for Sole Traders and Their Families
No paid sick leave, income shown in your business accounts, any debts in your name and any cover in super shape your cover. We help you review any cover, set out your income, compare, apply and claim.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Set out your share of business profit, and any items an insurer may add back, for an income protection application
- Pull together your returns, profit and loss statements and any BAS for a cover application
- Compare income protection waiting periods against your savings buffer and the invoices still to come in
- Compare disability definitions for a business you run yourself, including partial benefits if you can still do some of the work
- Work out life and TPD amounts against personal and business debts held in your own name
- Look at any cover still held in super from past employers, and how its premiums come off your balance
- Read TPD definitions with you for a business where you deliver the work and run everything around it
- Weigh a trauma lump sum against the costs your business would keep carrying, with new cover held outside super
- Look at cover for each partner when two of you run the business
- Lodge a claim with you using your business accounts as income evidence, and stay in touch with the insurer throughout
Who We Help
- First-year ABN holders who have left a salary behind
- Established sole traders in services, retail, studios and home-based work
- Tradespeople billing households and businesses under their own ABN
- Contractors paid mainly for their labour by one or two clients
- Delivery, rideshare and platform workers earning through apps
- Business partners including couples who share the work and the profit
- Sole traders whose income rises and falls with the seasons
- Owners considering incorporation for the business they run now
- Sole traders cutting back hours or returning after time off
What we advise on
How Each Cover Works When You Work for Yourself
Income Protection
Who would cover the bills if illness or injury stopped you running the business for a while?
Income protection can pay part of your income after a waiting period, helping you keep up with bills while you recover.
Together, we’ll compare income protection around how your business earns and how long your savings could carry you.
Working for yourself means no paid sick leave to fall back on. Income protection can pay a percentage of your pre-tax income after a waiting period if illness or injury stops you working, subject to the policy’s definitions. Waiting periods can run from 14 days to 2 years. The benefit is usually based on your earnings in the 12 months before the illness or injury, and can be paid for a set number of years or to an age.
What we weigh with you for income protection:
- Each contract’s income definition for a person drawing from business profit rather than wages, compared between insurers
- A quiet stretch, such as a major client moving on, and how a policy measures income across that stretch
- Cash in the business account and invoices clients still owe, lined up with the waiting period you pick
- Days spent quoting, invoicing or answering customers while hands-on work waits, and whether a policy pays a partial benefit for them
- Weeks with fewer billable hours, and the minimum weekly hours some policies set for you to be covered
- Benefit periods running a few years or to an age, chosen around how long you’d want payments if trading stopped
- The percentage of pre-tax income a policy may replace, set against the drawings you take from the business to live on
- A super contribution option that some policies offer, so payments to your own fund can keep going during a claim
Life Insurance
Could your loved ones keep up with everyday costs, and could any debts in your name be cleared, if you were no longer here?
Life cover can pay a lump sum to your beneficiaries, towards any debts in your name and the costs your income meets.
We’ll work out a life cover amount with you from any personal and business debts held in your own name.
Life insurance can pay a lump sum to your beneficiaries if you pass away. A sole trader is legally responsible for the business’s debts and losses, so an amount can look at business and personal debts together. If no beneficiary is named, your estate or the super trustee may decide who receives the payment. Where life cover is packaged with other cover, it may be reduced by any amount paid on other claims in the package.
What we add up with you for life cover:
- Business loans, equipment finance and any leases signed in your own name, totalled alongside any personal debts
- Any mortgage, car finance or credit card balance, counted with what the business owes when both sit in your name
- Life cover already held through any super account, added to your other cover to show any shortfall
- Amounts owed to suppliers, the ATO or a lender at any point in the year, counted when sizing the lump sum
- Bundled life and disability lump sums, where some contracts shrink the remaining sum once one is paid
- Anyone sharing your household costs, and whether their own cover and income would carry those costs alone
- Any cover a lender asks for, weighed with the rest of your cover, while the lending itself stays with the lender or a broker
- The sum insured revisited each time a business loan is cleared or fresh finance is signed
TPD Insurance
Where would your plans stand if you were never able to work again?
Total and permanent disability cover can pay a lump sum, as the policy defines it, giving you room to reset your plans.
We’ll start with the skills your business relies on, then weigh TPD definitions against them with you.
A TPD policy can pay a lump sum when illness or injury leaves you unlikely to work again, under the policy’s own definition. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and where TPD is packaged with life cover, a TPD claim may reduce the life amount.
What we compare with you for TPD:
- Whether an insurer offers own occupation wording for a person who delivers the service and also manages bookings and quotes
- Office, sales or coaching abilities beyond your main work, and how a broader TPD test could weigh those abilities
- Any TPD inside superannuation, with the definition read ahead of closing or merging that account
- The job title a fund still lists from any salaried days, checked with the fund now that you trade
- Any personal guarantees signed for business finance, counted when setting a TPD sum
- A TPD sum sized to clear equipment finance, business overdrafts and any mortgage held personally
- One-off capital for clearing business finance, weighed beside an income protection benefit towards living costs
- Age-based tax rules on a TPD amount paid out of superannuation, with your accountant confirming your position
Trauma Insurance
How could treatment costs and time away from the business be met if a serious illness were diagnosed?
A lump sum from trauma cover can help with treatment and time away, if a listed condition meets the policy’s definition.
We can explain what a trauma policy lists with you, and where a lump sum could sit beside income protection.
Trauma cover can pay a lump sum when a listed critical illness or serious injury meets the policy’s definition and isn’t excluded, and medical definitions can be different between insurers. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014. If trauma is packaged with life cover, the life cover could be reduced by the amount paid on a trauma claim.
What we read with you in a trauma policy:
- Every condition a trauma contract names, with its medical wording checked insurer by insurer
- Partial amounts that some contracts release for milder or early-stage forms of a named condition
- Cash from a trauma claim towards time away from clients, including any stretch before an income protection benefit begins
- New trauma contracts paid from personal or business cash, since superannuation can’t hold them
- Stand-alone trauma versus trauma attached to life insurance, and what each arrangement means for the remaining sum
- Trauma premiums, which ATO rules exclude from deductions, explained by your accountant against the business books
- Hiring help so clients are still served during treatment, as one possible use for a trauma lump sum
- The trauma amount set against costs the business would still carry while you recover, such as finance or subscriptions
Cover in Super
Now that you work for yourself, does any cover inside your super still suit you?
Checking each fund can show what cover you hold and help you keep what suits the way you work now.
We can read each fund’s insurance with you and set out any changes in a financial plan, or Statement of Advice.
Some funds add income protection to default life and TPD cover. Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Premiums are deducted from your super balance, not your take-home pay. As a sole trader, you don’t have to pay super guarantee for yourself, and personal contributions are your choice.
What we look at in your super with you:
- Any insurance still attached to accounts opened by former employers, tracked down and listed fund by fund
- Any income protection in a fund joined on a salary, and how its terms treat earnings that now come from profit
- Any personal contributions you choose to make, and the balance left for insurance once premiums come off it
- Two or more funds charging insurance premiums at once, where each account still carries its own cover
- A fund’s description of your work, updated with the fund if it no longer matches what you do
- What your business and personal debts now call for, set beside any default amount each fund’s insurance terms provide
- Combining super accounts only after the cover in each account has been checked
- Definitions and premium funding compared between insurance through super and a policy paid from your bank account
Your Business Income and Your Cover
In a strong year or a slower one, how could your cover keep pace with what the business earns?
Setting your business income out clearly can give any application a sound starting point.
Together, we’ll set out your business income the way an insurer may look at it, before you apply.
An insurer may work out a self-employed person’s income from their share of the business’s profits or losses, rather than what the business takes in. Some policies allow certain items to be added back to the profit, such as super paid to you or depreciation, depending on the item and the amount. For higher amounts of cover, an insurer may ask for business and personal tax returns and financial statements from recent years.
What we set out with you on business income:
- Profit after business expenses, which an insurer may start from instead of the total your business invoices
- Items such as depreciation or super paid to you, which an insurer may add back to the profit
- Deductions that lower your taxable profit, and the income a policy may then work from, with tax advice left to your accountant
- A first year of trading with little history, and the records an insurer may ask for instead
- Income from several clients, apps or platforms, brought together in one set of accounts for an application
- Tax returns, financial statements and any BAS kept current through the year, so records are ready when needed
- Business expenses cover, offered by some policies for eligible fixed costs, if the business carries rent, leases or staff costs
- A move to a company, and who would own and pay for any policy, with your accountant advising on the structure itself
Running the Business with a Partner
When two of you run one business, how could cover be arranged for each of you?
Planning cover for you both can help the business, and those who rely on each of you, if one can’t work.
We can work through cover with each of you, and how the business’s income is shared between you.
Partners in a partnership aren’t employees of the partnership, and each partner is responsible for their own super. Without a written agreement, income and losses are shared equally between partners. Where a spouse works in the business mainly for income splitting or tax reasons, an insurer may base benefits on the income each person generates.
What we plan with each partner:
- Income protection for each partner, set against the share of profit each of you receives
- How the business’s income is split between partners, and the work each partner does day to day
- Duties and weekly hours set out separately for each partner on any cover application
- Two super balances, any cover held in each, and the contributions each partner chooses to make
- Life and TPD amounts for any business debts you both carry, weighed against what each partner would still owe
- Nominations for each partner’s super, which can go to eligible people or the estate
- The business’s income if one partner can’t work for a while, and how each partner’s cover could help in that time
- Cover for both partners looked at again when a partner joins the business or leaves it
Making a Claim
Would it help to have someone beside you at each step of a claim?
Gathering the paperwork with you and following up the insurer can leave more room for recovery and the business.
We’ll lodge a claim with you, gather the business records the insurer asks for and follow it up while it’s assessed.
Moneysmart suggests speaking first to whoever you arranged the cover through, whether that’s the fund, the insurer or a financial adviser. An insurer can ask for medical reports, details of your work duties, including physical requirements, and the hours you work each week, along with payslips and tax returns, or financial statements if you’re self-employed. The insurer assesses the claim. A complaint goes first to the insurer or super fund, then to AFCA if unresolved.
How we help with a claim:
- The right starting point, whether the super trustee, the insurer direct, or us where we arranged that cover
- Profit and loss statements plus individual returns for the trading period before the illness or injury
- Hands-on tasks, quoting, admin and bookkeeping hours, each described accurately for the insurer
- A doctor’s account of the site and customer work you can’t do, which the insurer will ask your consent to request
- Business records kept up to date while you’re away, since an insurer may ask for them during a claim
- Lighter work, fewer clients or shorter days on the way back, and any part payment a contract allows
- Regular claim forms showing what the business earned while a benefit continues
- Income from any work you take on during a claim, reported to the insurer as the policy requires
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- The work you do: Insurers usually ask about your job when you apply. Running the business yourself can mean the core work as well as the quoting and the books, so how your week splits across those duties is part of describing it accurately.
- Your hours: Some policies only cover you if you work a minimum number of hours each week. Hours that change with the work coming in are worth setting out, and worth checking again if you cut back.
- How the business pays you: Income protection is usually based on your earnings in the 12 months before an illness or injury. An insurer may start from your share of the business’s profit, and some policies add certain items back.
- Your records: Tax returns, financial statements and any BAS support an application and any claim, so records kept current through the year are easier to rely on.
- Debts in your own name: A sole trader is legally responsible for the business’s debts and losses, so life and TPD amounts look at any business and personal debts together.
- Leaving a job to work for yourself: Paid sick leave stops when you leave a salary, and as a sole trader you don’t have to pay super guarantee for yourself. Moneysmart suggests checking whether the move affects any insurance cover through your super.
- A partner or a first employee: Each partner is responsible for their own super, while cover for each of you, and who owns each policy, is worked through person by person. Taking on staff makes you their employer, while your own cover stays yours to arrange.
- Moving to a company: A company must pay super for eligible workers, including any directors. How your income shows in the accounts, and who owns any policy, can change too, with your accountant advising on the structure itself.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Working for Yourself, Worked Through Together
Business Income Set Out for Cover
Your share of profit and any items an insurer may add back, set out for an income protection application.
Records Gathered for an Application
Tax returns, financial statements and any BAS gathered with you before you apply.
A Waiting Period Weighed Against Your Buffer
Waiting periods compared with your savings and the invoices still to come in.
Any Cover from Past Jobs Found and Read
Any cover in super from past employers found and read before anything changes.
Life and TPD Sized Against Any Debts
Any business and personal debts in your own name totalled for life and TPD amounts.
Cover Looked at for Each Partner
Income, duties and super set out for each of you when two people run the business.
Cover Reviewed Before a Move to a Company
Who owns any policy and how income shows in the accounts, looked at before the structure changes.
A Claim Lodged with You
Your accounts and duties gathered for a claim lodged with you, then followed up with the insurer.
Proactive, Holistic, and Experienced Financial Planning
Choosing cover starts from how your business runs day to day. We listen first: the work you do, how money comes in across a busy month and a quiet one, and what you want protected. Conversations fit around your work, each type of cover is explained in plain terms, and the pace is yours to set. You’ll usually see our recommendations in writing, and the choices along the way stay with you.
Much of the paperwork can sit with us. With your consent, we can request details from any fund that holds cover for you, gather tax returns and financial statements for an application, read the PDSs with you and stay in contact with insurers while they assess it. Whoever you run the business with, or share your life with, is welcome at any conversation. Should you ever need to claim, we’ll lodge it with you and keep following it up until the insurer reaches a decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your business, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Working for yourself can mean no paid sick leave, income an insurer may read from your business accounts, and any debts held in your own name. Each can affect how an insurer assesses an application and how a policy pays, so your business income, records, duties and debts are part of what we look at.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
Each policy has its own definition of income, and an insurer may start from your share of the business’s profit or loss rather than what the business takes in. Some policies let certain items be added back, such as super paid to you or depreciation, depending on the item and the amount.
Income protection is usually based on your earnings in the 12 months before an illness or injury, so a quieter year, or a year with large deductions, can shape the income a policy works from. Tax returns and financial statements usually support the income you apply with. We can set out your business income with you before you apply, and the insurer decides on the cover it offers.
An insurer sets out what it needs, and for income protection that usually includes medical reports, details of your work duties, including physical requirements, and the hours you work each week. For your income, Moneysmart lists payslips and tax returns, or financial statements if you’re self-employed. Income protection is usually based on your earnings in the 12 months before the illness or injury.
Running the business yourself can mean the core work as well as quoting, admin and the books, so each part is worth setting out as it happens. The insurer assesses the claim and may ask for updates while it continues. We can gather the documents and lodge the claim with you, then follow it up.
A few things an employer arranged no longer come with the work. Self-employment means no paid holidays or sick leave, and as a sole trader you don’t have to pay super for yourself, though you can choose to make personal super contributions. Any default cover in a past employer’s fund is worth checking, because insurance terms vary from fund to fund.
Workers compensation is generally an employer’s insurance for its employees, through a state, territory or Commonwealth scheme. Whether a scheme covers you depends on how your work is set up, which is a question for the scheme. Income protection can pay part of your income after a waiting period, subject to the policy’s terms. We can work through what’s now yours to arrange with you.
Premiums for income protection held outside super are generally a tax deduction, while premiums for cover held through your super fund aren’t deductible for you. Any income protection payment you receive goes in your tax return. Life and trauma premiums aren’t deductible.
How a sole trader claims the premium, how any payment is treated and how both fit with the rest of your return are for your accountant to confirm. Ryker’s financial advisers plan tax and set tax structure and strategy, working alongside your accountant, who prepares and lodges your return. We can weigh cover inside and outside super with you, with your accountant confirming the tax side before you decide.
The amount comes from your own numbers rather than a rule of thumb. A useful start is everything owed in your name, such as any business loans, equipment finance or leases alongside any home loan, because a sole trader is legally responsible for the business’s debts.
From there, add what anyone who relies on your income would need for everyday costs and future plans, then count any life cover already held in super or through a policy. Where life cover is packaged with TPD or trauma, a claim on those may reduce the life amount. We can work through each part with you, and the insurer decides on the cover it offers.
Partners in a partnership aren’t employees of the partnership, and each partner is responsible for their own super. Cover for each of you, including who owns each policy, is worth working through person by person. Without a written agreement, income and losses are shared equally between partners, and that split can shape how each person’s income is shown.
Where a spouse works in the business mainly for income splitting or tax reasons, an insurer may base benefits on the income each person generates. So the work each of you does, your hours and your share of profit are all part of setting cover for two people. We can look at cover with each of you, and the insurer decides on the cover it offers.
A quote tool works from the answers you type in, so it can show options, but it may not show how your accounts, debts and any cover already held fit together. Comparison sites generally give general advice only, which doesn’t consider your personal circumstances.
Personal advice starts from your business income as an insurer may assess it, your records, your debts and any cover in super, then compares policies from a wide range of insurers. We can look at the full picture with you, and the insurer decides on the cover it offers.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. If you’re new to an ABN or have traded for years, we begin with how your business runs, how you’re paid and what you’d like protected.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Your last two tax returns or financial statements, a recent BAS if you lodge one, each fund’s statement, any policy you hold and a list of any business and home debts are useful to have on hand, and together we’ll agree on a practical next step.
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