Income Protection Insurance, are you covered?

Income Protection insurance provides a vital financial safety net if illness or injury prevents you from working and earning an income. In Ireland, this type of insurance can replace up to 75% of your pre-tax earnings, helping you cover essential living costs such as your mortgage or rent, household bills and everyday expenses while you recover.

Income Protection policies are suitable for PAYE employees, self-employed individuals, sole traders and company directors, and premiums may qualify for valuable tax relief at your marginal rate.

Choosing the right Income Protection cover means selecting the appropriate benefit level, waiting (deferred) period and policy term to suit your personal and financial circumstances.

At incomeprotection.ie, we help individuals and business owners across Ireland compare Income Protection insurance options and secure reliable, tax-efficient cover that protects their income and provides peace of mind when it matters most.

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All about Income protection insurance in Ireland.

Income Protection insurance is a policy designed to replace a portion of your income if you are unable to work due to illness or injury. In Ireland, it can provide up to 75% of your pre-tax income, including any State Illness Benefit, helping you maintain financial stability while you recover.
Income Protection is suitable for employees, self-employed individuals, sole traders and company directors. If your income stops when you stop working, Income Protection insurance can provide essential financial security.
Most insurers allow you to insure up to 75% of your pre-tax earnings. The exact amount depends on your income, occupation, existing benefits and insurer limits. We can help calculate the most appropriate level of cover for your needs.
The waiting or deferred period is the time between when you stop working and when your Income Protection payments begin. Common options range from 4 weeks to 52 weeks. Choosing a longer waiting period can reduce your premium, especially if you have savings or employer sick pay.
Benefits typically continue until you return to work, reach the end of your policy term (often retirement age), or in the event of death. Some policies also offer partial payments if you return to work on reduced hours.
Yes. Income Protection insurance in Ireland generally allows for multiple claims, including claims for the same illness if it recurs after you have returned to work, subject to the insurer’s policy terms.
Yes. Income Protection is one of the most tax-efficient insurance policies in Ireland.
- PAYE employees can claim tax relief on premiums at their marginal rate
- Self-employed individuals and sole traders can offset premiums against income tax
- Company directors may pay premiums through their company as a business expense

What our clients say

Fiona O'Connor, Wicklow
“I suffered a torn shoulder and a broken arm during a rugby match. My policy with income protection.ie paid me while I could not work. I would definitely recommend taking some form of income protection cover out. Thanks to SISGate Wealth, I have the peace of mind that allows me to continue participating in a sport I enjoy without having to worry about the consequence of receiving an injury that could impact other areas of my life.”
Tony Kehoe, Dublin
“Having just started my own business I soon realised the need for income protection. I looked at many websites but decided to go with incomeprotection.ie as they spent time understanding what I really needed. I would recommend them and feel anyone would benefit from ten minutes of their time”
Sean O'Byrne, Limerick
“I researched income protection cover with quite a few companies and got the cover I wanted at the best price available with incomeprotection.ie

Why choose us?

We do all the leg work

To help you get the right product without all the hassle we research the market and source the most suitable income protection product for your personal circumstances.