The following details are based on the Friends First Income Protection Plan, which is arguably the most comprehensive policy available in the Irish market. It is extremely important to note that this type of policy should be selected based on how likely it is that you will receive payment in the event of a claim rather than based on premiums. Depending on your individual requirements, we will discuss the offerings of other life company's plans with you separately.

Income protection offers you financial security for you and your family if you are unfortunate enough to be out of work because of an illness and suffer a loss of earnings as a result of a disability, an injury or an accident.This plan will provide you with an alternate source of income. This income is a weekly benefit payable after a deferred period of either 13, 26 or 52 weeks. The deferred period is the length of time between when the illness is first diagnosed and when you start receiving an income benefit. Benefit will continue until you are able to return to work or your selected retirement age (up to age 65), whichever happens first.

What types of disability are covered?

Your plan will protect your income against:

resulting in you being unable to work for longer than your deferred period. While we do not cover normal pregnancy situations, we do cover any disability caused by pregnancy, however, in such circumstances your deferred period commences from the date your pregnancy ends.