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Income Protection Insurance Protects Your Salary
Don't let illness or injury affect your income. Get comprehensive income protection insurance that safeguards your salary when you can't work.
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Spotlight
Why Choose Income Protection?
Income protection insurance provides essential financial security if you're unable to work due to illness or injury in Ireland. It helps maintain your standard of living by providing regular payments until you're able to return to work or reach retirement age.
Up to 75% of Salary
Receive up to 75% of your regular income (less any State Illness Benefit) while you're unable to work
Tax Relief Available
Claim tax relief at your marginal rate on premium payments under Section 471 TCA 1997
Occupation Specific
Coverage tailored to your specific occupation, with options for both public and private sector workers in Ireland
Application Process
Fast track your income protection application
Get expert guidance every step of the way with a dedicated advisor, making your income protection approval process faster and stress-free.
Complete our online fact check
1Fill out a quick online form with basic details about yourself such as Name, if you smoke and how much cover you think you may want.
Get assigned a personal advisor
2We’ll assign you a dedicated advisor who will be your main contact throughout the process, answering any questions and helping you choose the best insurance package and rate for your circumstances.
We submit your application
3After we have discussed the income protection options with you and you have agreed on a policy and rate we submit your application to the insurance company for approval which usually takes about 48 hours.
Sign the paperwork, your now covered !
4When your income protection policy application is approved, you just need to sign the paperwork and your policy is now complete and active.
"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."
Feena Flanagan
Broker Benefits
Get the best rates as we're not tied to any single insurance provider
Working with multiple Irish Insurers' to find the most competitive income protection rates and flexible repayment options, tailored to suit your needs.
With
- Wide Range of ProductsLife term & mortgage protection insurance
- Personalized ServiceUnbiased financial advice tailored to your personal circumstances
- Customized SolutionsSelf-employed, Expats & special cases welcome
- Access to Exclusive DealsInsurance policies & options not available direct from retail insurance providers
- Expert Market KnowledgeEvery income protection rate from all Irish insurance providers
vs
Traditional income protection provider
- Limited product range
- Generic financial advice
- Inflexible appointment times
- Default bias to their products only
- Frequent 'Computer-Sayes-No' attitude
- No guarantee your getting the lowest rate
- Single insurance option for mortgage protection
- Averse to handling previous claim issues
- Often No options for pre-existing conditions
"We recently moved our mortgage and topped up for some home improvements. I'd highly recommend him."
Feena Flanagan
Frequently Asked Questions
Questions about income protection you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
How does the recent Irish Work Life Balance legislation affect income protection claims?
The legislation doesn't directly affect claims, but flexible working arrangements should be disclosed to your insurer as they may impact your coverage level.
If I reduce my working hours, will my income protection benefits decrease?
Yes, benefits are typically based on your current income. You should inform your insurer of any significant changes to your working hours or income.
Is income from rental properties included when calculating my benefit amount?
Usually not. Most Irish income protection policies only cover earned income from employment or self-employment, not passive income sources.
Can I claim income protection if I have to reduce my hours due to a partial disability?
Yes, many Irish policies offer proportionate benefits if you can only work reduced hours due to illness or injury, paying a percentage of your income loss.
Does being on the COVID-19 Payment affect my income protection policy?
Government support payments typically don't affect existing claims, but they may impact new claims or the calculation of benefit amounts.
Guides
Stay in the know with our income protection guides
Navigate income protection with confidence. Our expert guides break down complex choices into clear steps, empowering you to make decisions that protect what matters most.
