Income Protection
Insurance
Protect your income — because everything depends on it.
A regular monthly replacement income if you are unable to work due to illness or injury. Income Protection pays you a monthly benefit — typically up to 75% of your gross salary — until you return to work, reach retirement age, or the policy term ends. In Ireland, premiums qualify for tax relief at your marginal rate, making it one of the most tax-efficient forms of insurance available.
Your Income, and your ability to continue to earn an Income is your Greatest Asset. Without an Income, everything comes to a halt.
Income Protection is your Complete Financial Safety Net. It is there, regardless of illness or injury, for as many times or as often as you need it.
Consider this — if your income stopped tomorrow:
For most people, the answer is: not long. Income Protection bridges that gap.
Your Income Is Your Most Valuable Financial Asset
Your income pays for your home, your lifestyle, and your future plans. Income Protection ensures it keeps flowing, even when you can't work.
Regular Monthly Income
So you can continue paying bills and maintaining your lifestyle — without dipping into savings.
Long-Term Cover
Payments can continue until you return to work, or right through to your retirement age — not just a few months.
Flexible Options
We tailor the policy to your occupation, income, and needs — including choosing your deferred period to manage the premium cost.
Tax-Efficient
Premiums qualify for income tax relief at your marginal rate — 20% or 40% — making this one of the most cost-effective protections available.
Income Protection is for anyone who relies on their earnings
Whether you're employed or self-employed, if your income stopped, so would everything that depends on it. Income Protection is particularly important for those without employer sick pay, or whose employer cover is short-term.
Employees whose employer sick pay runs out after a few weeks or months
Self-employed people who have no employer sick pay at all
Mortgage holders who need to keep repayments going regardless of health
Parents who are the primary or sole earner in the household
Higher earners who benefit most from the 40% tax relief on premiums
Your income is the engine that powers everything in your life.
Most Irish adults would struggle within weeks if their income stopped. Illness is the most common reason people cannot work — and most illnesses are not covered by Serious Illness Cover alone.
"If you lost your phone, you'd replace it. Your income is worth far more — and far harder to replace."
We have partnered up with Ireland's leading Life Insurance providers
Common Questions on Income Protection
Income Protection Insurance is a policy that pays you a regular monthly income if you're unable to work due to illness or injury. It replaces up to 75% of your gross salary and continues paying until you return to work, retire, or the policy term ends. Unlike Serious Illness Cover, it covers any qualifying illness or injury — not just specific listed conditions.
Yes. Income Protection premiums qualify for tax relief at your marginal income tax rate in Ireland — either 20% or 40%. This makes it one of the most tax-efficient forms of insurance available. Tax relief is claimed via your employer's payroll or directly through Revenue.
The deferred period is the waiting time between when you stop working and when your Income Protection benefit begins. Common options are 4, 8, 13, 26, or 52 weeks. A longer deferred period means lower premiums but a longer wait before payments begin. Your advisor will help you match the deferred period to your employer sick pay or savings buffer.
Yes. Income Protection is particularly important for self-employed people who have no employer sick pay. You can base your cover on your average earnings, and premiums still qualify for tax relief. It's one of the most important financial protections for anyone who runs their own business.
Income Protection pays a regular monthly income when you can't work due to any qualifying illness or injury. Serious Illness Cover pays a one-off lump sum only when diagnosed with a specific listed condition. Income Protection is broader and ongoing; Serious Illness Cover is a one-time payment for specific conditions. Many people benefit from having both.
The cost depends on your age, occupation, income, smoking status, deferred period, and benefit amount. After tax relief, a 35-year-old office worker earning €50,000 might pay a net cost of approximately €40–€70 per month. Your advisor will provide a personalised quote comparing Ireland's leading insurers.
We listen, we guide, and we personalise your cover
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