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What is income protection insurance?
Income Protection insurance pays out up to 75% of your salary if you are unable to work due to illness or injury.
This allows you meet your financial commitments until you can get back to work.
What are the benefits of income protection insurance?
Up to 75% of your annual salary is paid out although you can choose a lower amount to protect which will bring down the cost.
It’s eligible for income tax relief of 20% or 40% for PAYE workers. Self-employed or company directors can also avail of great tax benefits.
You can be covered up until the day you are due to retire.
Many insurers offer additional free benefits such as online GP consultations.
Increase your cover without underwriting
You can delay when your policy starts to pay out, called a “deferred period” which will bring the cost down. This period ranges from four weeks to a year.