Income protection insurance quotes can vary based on your age, occupation, income, health, smoking status, waiting period and benefit period. Compare the percentage of income covered, policy exclusions, claim definitions, premiums and whether premiums can change over time. Check the product disclosure statement (PDS) carefully, as policies may differ on mental health claims, self-employment and pre-existing conditions. An insurer or licensed financial adviser can explain the options and confirm which cover may suit your circumstances.