Protect my income

Protect the income that supports the day-to-day essentials & lifestyle you enjoy if you can’t work

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For most of us, our income is our most important asset. It affects how we live and how we pay for everything from food, light and heating to our mortgage repayments, children’s education and family holidays.

Could you live with a 40 – 80% drop in your income if you were to get sick for a period of time and were unable to work?

Income Protection provides you with a replacement income if you are unable to work due to serious ill-health, injury or an accident. It can ensure your lifestyle doesn’t have to change if illness strikes and it can be used to pay your bills and living expenses until you are able to return to work or, if not, until your retirement age.

Ask yourself:

  • What would happen if your income suddenly stopped because of ill health?
  • How long would you and your family cope financially?
  • How long would your employer pay you if you were on prolonged sick leave?

Protecting your income can:

  • Pay up to 75% of your current earnings to age 65
  • Replace your monthly income from 8, 13, 26 or 52 weeks after an accident or illness, you choose
  • Ensure you continue to meet your monthly mortgage repayments and household bills
  • Help you maintain your current standard of living

Income Protection can replace your monthly income by up to 75% of your earnings after an accident or illness.

Social welfare benefits are available for some people and can go towards substituting a reduced or lost income. However, for most people, it would be very difficult to maintain their standard of living.

It’s a flexible policy that allows you to select the term of the cover (up to age 65).

You can also choose when the cover starts (8, 13, 26 or 52 weeks after the event).

Tax relief is available on income protection premiums paid up to certain limits and may reduce the cost of your cover by up to 41%.

You may also be interested in Specified Illness cover which provides a lump sum payment on the diagnosis of certain illnesses.

Did you know?  Over 38% of our claims last year were for Income Protection and the youngest claimant was only 31

We’ve added new benefits to your cover - Link layer

We’ve added new benefits to your cover

BetterHealth is our latest online GP and healthcare services that are now available when you take out a policy with us.
Protecting What Matters Most – Webinar - Link layer

Protecting What Matters Most – Webinar

This webinar will explain how to financially protect yourself, those you love and the things you love.
Protection FAQs - Link layer

Protection FAQs

Find out more about Protection with our FAQs