What if your income stopped yesterday? What would you do today?

Your income is your most valuable asset yet it is the least likely to be insured. Without insurance, how would you continue to pay your bills? We can arrange this valuable cover and ensure you get the best value price for your protection.

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Income Protection Cover

This type of cover offers you financial security for yourself and your family against a loss of earnings as a result of any illness, injury, disability or accident resulting in you being unable to work for longer than your deferred period. This plan will provide you with a weekly income after a deferred period (Chosen by you either 13, 26 or 52 weeks). You will also receive tax relief on all premiums you pay (max 10% of your total salary) at your marginal rate of tax.

Why Protect your Income?

Do you realise that 1 in 6 of Irish workers will be out of work due to sickness or disability for more than 6 months over the course of their working life? (Source : Friends First)

Sick Pay Cover

  • There is no obligation on your employer to provide sick pay.
  • In the private sector, 85% of employees would be fully dependant on state benefit after 6 months of absence.
  • The public sector offers full pay for 6 months and half pay for 6 months.

Social Welfare Benefit

  • The Illness benefit pays just €10,623.60 per year to an individual (subject to means test).
  • A typical family with one adult working, one adult dependant and 2 children would qualify for just €20,378 per anum.
  • If you are self employed you are not entitled to any benefit.