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Why Do You Need Financial Protection?

Many people in Ireland will be out of work for more than six months through illness or injury. if you were one of them, how would you survive without an income? Many employers don’t provide any form of sick pay and for those who do, the majority will only pay you for six months.

Income Protection pays you a regular income if you can’t work as a result of illness, accident or injury.

This income will mean that you can continue to meet your monthly mortgage repayments and household bills and maintain your current standard of living. It will continue to pay you an income until you are well enough to return to work, or if not, until you reach retirement age. You can reduce the cost of cover by claiming tax relief on your contributions.


We deal with all four providers of Income Protection Insurance: Aviva, New Ireland, Irish Life and Royal London. We constantly compare the plans offered by these providers to ensure that we get you the best policy at the best price. We will guide you through every stage of the process from setting up your policy to the claims stage and beyond.

Download Our Guide to Income Protection
of new Income Protection Claimants are aged 49 or younger
of the Irish populstion had inpatient health insurance.

Income Protection FAQs

What does it cover?

Income Protection provides you with a replacement income in the event that you are unable to work due to illness or injury.

How long am I covered?

You will continue to receive an income until you are ready to go back to work, and if you are not well enough to return to work, your replacement income will be paid until your chosen retirement age (that's 65 for most people) although you can cover yourself until age 70.

Who is income protection for?

Everyone who is in paid employment, whether full-time or part-time (minimum 16 hours per week) and relies on their income.

Is it good value for money?

Not only is Income Protection from New Ireland competitively priced, you can also claim tax relief on your contributions, so a premium of €50 per month could cost just €29.50 after tax ( assumes you are a higher rate tax payer).

How much income should I protect?

You can choose the amount of income to protect, up to 75% of your current earnings (subject to a maximum of €250,000).

Is the premium fixed?

Yes, if you opt for a level premium, the amount you pay is fixed and will not increase during the term of your policy, even if you make a claim.

What if I change my job?

Your cover continues if you change jobs, regardless of your new occupation. You can also stay covered if you become unemployed, take a career break or parental leave.

Are there any added benefits?

If you are hospitalised a benefit is payable for every day you spend in hospital after day 7 up to a max of 90 days.

Set Up An Income Protection Plan in 3 Easy Steps 

Step 1

Arrange an online or phone review with us to determine the right policy and benefits for you and to complete a short application form. When Covid-19 restrictions are eased you may choose to arrange a face to face review.

Step 2

The insurance company will set up a confidential, tele-interview with a specialist nurse to gather the necessary information for your application. This interview takes place over the phone, at a time that is convenient for you. A copy of the questions and answers will be sent to you, so that you can check what has been said and recorded. In some cases we may need a report from your GP or require you to undergo a medical examination at our expense.

Step 3

Once you have been accepted and put you on cover, you will receive all policy documents by post. Please ensure you keep these in a safe place.


Make An Appointment

Talk to us about protecting your income

Call us at +353 (0)87 250 6365. Alternatively, you can fill in our contact form

and we will be in touch shortly.

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3 Laurel Mount Close, 

The Rock,