• Most employers do not have specific policies to guarantee employees incomes if they become incapacitated.
• Many people find that the most they can look forward to is an unspecified sum decided at a future date by the management or the trustees of their organisation.
• Social welfare payments are not enough to cover even the basics of life.  Payments can vary but are from Eur 134.80 per week depending on whether or not you have dependants.
• If you are self employed you are entitled to NO social welfare payments.
• How would you pay for the basics in life?
• What can you afford to do without?
• What changes are you going to have to make?
• What essential cut backs will you make?
• Wouldn't it be great if you could guarantee your way of life no matter what the future had in store?

Income Protection is a product that will provide you with this peace of mind.  If you are out of work due to an accident, illness or injury and your employer has stopped paying your salary, we will pay you a replacement income up to 75% of your salary until you return to work or reach retirement age. Income Protection will provide you with an income if you are unable to work due to any illness, any injury, any disability, or any accident.

In additional the plan will:

Pay you this income until you return to work, or retire, or the policy reaches its end date. Guarantee your monthly premium will remain the same for the lifetime of the policy, if you choose this option. Provide hospital cash if you stay in hospital 7 days or more. Continue your cover even if you change jobs regardless of any change to your occupation. Qualify for tax relief, thus significantly reducing your monthly premiums.

Quotation and Cover is subject to medical underwriting and dependant on occupation