Income Protection Insurance

Overview

Income Protection Insurance replaces a percentage of your income if you become unable to work due to illness or injury. This ensures your bills, mortgage, and living expenses continue to be paid while you recover.

Coverage Details

Illness Coverage

Covers inability to work due to any illness, from common conditions to serious diseases. Includes mental health conditions.

Injury Coverage

Covers temporary or permanent injuries preventing you from working. Includes accidents and workplace injuries.

Flexible Benefit Period

Choose benefit periods from 12 weeks to age 65. Longer periods provide greater security.

Key Features

  • β€’ Income replacement up to 60%
  • β€’ Covers all types of illness and injury
  • β€’ Flexible deferred periods
  • β€’ Tax-deductible premiums for self-employed
  • β€’ Professional support during recovery

Key Exclusions

  • β€’ Unemployment or job loss
  • β€’ Voluntary unemployment or career changes
  • β€’ Pre-existing conditions (depending on policy)
  • β€’ Claims within first 4 weeks of illness

Important Information

Regulated by the Central Bank of Ireland. All policies comply with Irish insurance regulations and consumer protection requirements.

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