Quick, easy and hassle-free process

Income Protection - protect your future

We compare prices across Ireland’s leading income protection insurance providers. Once we have found you the right cover at the best price we will send you the quote by email and call you to confirm the accuracy of the quote, discuss any underwriting issues and answer any questions you may have.

Can you afford not to have the right cover?

  • Fill in your income protection insurance details
  • We compare premiums from Ireland’s main insurance providers
  • We use Price Matching and Broker Discounts to find the right cover at the best price for you.
  • Submit your income protection insurance application, and arrange a callback with a member of our insurance advisors
Royal London Logo
Royal London
Irish Life
Aviva logo
Aviva Life & Pensions
new ireland logo
New Ireland
zurich insurance logo
Zurich Life
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Do you smoke or use nicotine replacement products?
Select yes if you have smoked any tobacco or used nicotine replacement products in the last 12 months
Your age is needed to calculate your premium
Select your estimated retirement age. This is needed to calculate your premium and term length
Your occupation will be rated and used to determine the premium level applied.
Your PRSI Class will determine the level of State illness and Disability Benefits payable to you.
Selected Value: 200000
You may protect up to 75% of your Annual Income less State Benefits
Not everyone needs their income to start as soon as they’re out of work. If your employer pays you sick pay, you might only want your money to kick in after that. The time in between when you stop working and when we start paying you is called your deferred period. You can choose how long this is: 1, 2, 3, 6 or 12 months (4, 8, 13, 26 or 52 weeks). The longer you wait, the lower your premiums will be.
Would you like indexation on your policy?
Indexation allows your premium and benefits to increase in line with inflation (this is an optional extra that comes at an additional cost)
Would you like to add escalation of claim on to your policy?
Escalation of claims allows your policy’s payout amount to increase annually in line with inflation if you’re unable to return to work more than one year after your claim (this is an optional extra that comes at an additional cost)
Terms & Conditions
By ticking this checkbox, you agree to our Terms and Conditions of Business, and confirm that you have read our Privacy Statement. You also agree to be contacted by email, telephone, SMS or post with quotes and offers. We will call you and provide quotes best suited to your needs based on the information provided by you.

Can I increase my level of Income Protection benefit?

A lot can happen between the day you take out income protection and the day you need to make a claim. You might get married, have a child, or get a promotion. That’s why you can increase the amount of monthly income you’re covered for when certain big events happen. And you won’t have to answer any questions about your health in the process. You can use this when you:

  • Become a parent through birth or adoption
  • Get married or enter a civil partnership
  • Buy a home or increase your existing mortgage
  • Get a pay rise of 10% or more

Each time one of these things happens you can boost your cover by the lower of €20,000 a year (this is around €1,667 a month) or 50% of your existing level of cover. As a special one-off, you can also increase your cover by a maximum of €20,000 a year provided your salary has increased by 20% since you first started your plan. Over the course of your plan, the maximum you can increase your total cover by is the amount of cover you initially took out.

With all the above options, the most you can increase your cover to is 75% of your salary. We’ll work out a new premium based on how much you want to increase your cover. You can decrease your cover at any time you like, and you won’t have to answer any questions about your health to do that either.

What is a deferred period for Income Protection? 

Not everyone needs their income to start as soon as they’re out of work. If your employer pays you sick pay, you might only want your money to kick in after that. The time between when you stop working and when we start paying you is called your deferred period. You can choose how long this is: 1, 2, 3, 6 or 12 months (4, 8, 13, 26 or 52 weeks). The longer you wait, the lower your premiums will be. do that either.

Is Income Protection tax deductible?

With Personal Income Protection, you can get tax relief at your marginal rate on the premiums you pay. If you need to claim, your income protection benefit is paid directly to you, after tax, USC and any other relevant deductions.

With Executive Income Protection the premiums are paid for by the employer and qualify as business expenses that can be offset against corporation tax. If you need to claim, the income benefit will be paid to your employer, who passes it onto you as the employee through salary, making any relevant deductions such as tax and USC.