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Income Protection Details

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Making Sure of  Your Income

Income Protection is long term cover that will pay you an income if you are unable to work due to an accident or illness.

It will normally cease at retirement age so cover is in place during your working life, the time when there is the biggest dependency on your income.

Income Protection qualifies for revenue approved tax relief on the premium you pay.

Protecting The Priorities

For example if you would like to cover your mortgage only;

Income Protection to protect Mortgage of €1000 per month.

Gross premium = € 16.84. Tax relief at marginal rate equals 41% = net premium of €9.94.

Less than €10 euro per month mans your mortgage is protected for 25 years

*Source of quotes: Friends First. Male Age 35 -Deferred Payment Period 26 weeks – Occupation Class 1

The cost of cover depends on age, health status, occupation, level of cover required and plan type.

When To Get Paid

Income Protection payments can start after a 4, 13, 26, 52 weeks waiting period.

This allows you to plan on having the benefit paid whenever you lose all or part of your regular income.

The plan can be prepared to match your personal circumstances and needs.

You can call us for information and advice at 045 883 828.