Income Protection Quote

Be prepared for the unexpected and have a replacement income in the event of injury, illness or disability.

We compare Income Protection Insurance from every provider in Ireland to give you the best price, guaranteed.

Apply Online or Call Us to get a quote now and to get exclusive additional discounts.

You can avail of 20/40% tax back on the premium of your quote.

Google Reviews

LowQuotes.ie
4.9
Based on 1449 reviews
Sinead K.
Sinead K.
Dylan was a pleasure to deal with today, so knowledgeable & extremely helpful. He made the whole process so easy. I am really happy with the policy cover I got.
Laura S.
Laura S.
Aoife Morgan was a pleasure to deal with and made the process so smooth. She also dealt with everything from start to finish very efficiently.
Response from the owner: Hey Laura,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she made the process smooth and handled everything efficiently from start to finish. We aim to make insurance as easy and stress-free as possible, so your feedback really means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Emma M.
Emma M.
A wonderful service, thorough and clear. I dealt with Rebecca, who was fantastic. The perfect mix of professional knowledge and courtesy with genuine warmth. Highly recommend her services!!!
Response from the owner: Hey Emma,We’re thrilled to hear about your wonderful experience with Rebecca. It’s fantastic to know she delivered a thorough and clear service with the perfect blend of professionalism and genuine warmth. We really appreciate your kind words and recommendation!If you ever need anything else, we’re just a call away.Best Regards,LowQuotes Team
Yunus Ü.
Yunus Ü.
Great service , low price
Response from the owner: Hey Yunus,Thanks a lot for your kind words! We’re delighted to hear you were happy with the service and the price. We work hard to offer the best value without compromising on quality, so your feedback means a lot to us. If you ever need anything else or have questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Emma W.
Emma W.
Great experience with Ross who was patient with us as we figured out what plan worked best for us. We really appreciated his advice and his patience. Highly recommend.
Response from the owner: Hey Emma,We’re delighted to hear about your positive experience with Ross. It’s great to know he was patient and supportive as you worked through your options. We’re so glad his advice helped you find the right plan. That’s exactly what we aim for!If you ever need anything else or have more questions down the line, we’re always here to help.Best Regards,LowQuotes Team
Jonathan F.
Jonathan F.
Dealt with Ross, he was incredibly helpful and informative and made the process easy from the start.
Response from the owner: Hey Jonathan,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and make the process easy from the very beginning. We aim to make the journey as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Dee H.
Dee H.
Rebecca was wonderful. And got a policy I was very happy with
Response from the owner: Hey Dee,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was wonderful and helped secure a policy you’re happy with. We always aim to match our clients with the best possible cover, so your feedback is much appreciated!If you ever need anything else or have any questions, feel free to get in touch.Best Regards,LowQuotes Team
Ann D.
Ann D.
Excellent communication. Explained everything very clearly. Lovely customer service
Response from the owner: Hey Ann,We’re delighted to hear about your positive experience with our team. It’s great to know everything was explained clearly and that you received excellent communication and lovely customer service, that’s exactly what we aim for!If you have any questions in the future or need further assistance, we’re just a message away.Best Regards,LowQuotes Team
John K
John K
I have had a very rewarding experience dealing with Low Quotes. Rebecca Sharpe was my point of contact, and she was always prompt, professional and helpful. Vast knowledge of the business and the options to me to get me the best life cover policy, as well as answer my never ending questions and concerns. The process was effortless. Thanks JK
Response from the owner: Hey John,We’re thrilled to hear about your rewarding experience with Rebecca! It’s fantastic to know she was prompt, professional, and able to guide you through the process with such expertise. Life Insurance can raise lots of questions, and we’re so glad she made it effortless for you.If you need anything else down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sandra W.
Sandra W.
Shaun was very informative and helpful
Response from the owner: Hey Sandra,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was informative and helpful throughout the process. We aim to make everything as clear and straightforward as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Gráinne M.
Gráinne M.
I would like highly recommend Bernadine and Low Quotes for anyone seeking professional mortgage assistance. From start to finish, our experience working with Bernadine was exceptional. We recently secured our mortgage through her, and I can confidently say that her advice, skills, and expertise were outstanding and made a significant difference in the entire process. Bernadine demonstrated an in-depth understanding of the mortgage market, guiding us through complex options with clarity and patience.Her professionalism and attention to detail ensured that everything was handled efficiently and smoothly, which made what can often be a stressful process much more manageable and even enjoyable. Bernadine’s efficiency was second to none; she was always prompt, organized, and proactive in communicating updates and answering our questions. Thanks to her, we were able to secure a mortgage that we are really happy with, and she worked tirelessly to find us the best possible deal.We are genuinely grateful for the time and effort she invested in helping us. Her friendly yet professional approach made us feel valued and supported throughout the entire process. I would highly recommend Bernadine and Low Quotes to anyone looking for expert mortgage advice and exceptional service. Her dedication and expertise truly set her apart, and we are so appreciative of all she did for us.
Response from the owner: Hey Gráinne,Thank you so much for your incredibly kind and detailed review! We’re absolutely delighted to hear about your positive experience with Bernadine. Her expertise, dedication, and genuine care truly make a difference, and we’re so glad she helped make your mortgage journey smooth and even enjoyable.Securing the right mortgage can be a stressful process, so it’s fantastic to know Bernadine guided you through it with such clarity and professionalism. We’ll be sure to pass along your lovely feedback to her, she’ll be thrilled!If you need any further support down the line, we’re always here for you.Best Regards,LowQuotes Team
G S (.
G S (.
Quick, easy, straightforward, concise and helpful. If you are considering life insurance, give Colin a call.
Response from the owner: Hey G S,We’re delighted to hear about your positive experience with Colin. It’s great to know you found the process quick, easy, and helpful. We aim to make life insurance as straightforward and stress-free as possible, so your feedback means a lot! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Shane C.
Shane C.
Would just like to say a massive thanks to Bernadine who helped me and my fiancé get our mortgage protection, the whole process was quick and easy. Will definitely recommend to friends and family.A true professionalThanks again Bernadine
Response from the owner: Hey Shane,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she made the process of getting mortgage protection quick and easy for you and your fiancé. We aim to make everything as smooth and straightforward as possible, so your kind words mean a lot! If you or your friends and family need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
yasmine B.
yasmine B.
The biggest thanks to Bernadine. She made the process of getting our mortgage protection so easy and stress free. Will definitely be recommending to others.
Response from the owner: Hey Yasmine,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she made the process of getting your mortgage protection easy and stress-free. We aim to make everything as smooth and understandable as possible, so your recommendation means a lot! If you or anyone you know needs assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Malcolm C.
Malcolm C.
I was dealing with Rebecca today and she was a star. It was like talking to a friend over the phone, very clear with instructions and no hesitation when I needed something explained. Exceptional service!
Response from the owner: Hey Malcolm,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she made the process feel so comfortable and explained everything clearly. We aim to provide exceptional service and ensure everything is easy to understand, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
maureen A.
maureen A.
Colin was a great advisor. Clear and easy to understand. Cheaper and better cover than I expected
Response from the owner: Hey Maureen,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to explain everything clearly and secure a better cover than you expected. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Breda C.
Breda C.
Shaun Young provided an excellent service and guided me through picking a suitable health insurance plan for my needs.Highly RecommendedBreda Crowley
Response from the owner: Hey Breda,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to guide you through choosing the right health insurance plan for your needs. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Marzena C
Marzena C
I had a pleasure to deal with Rebecca ,she was very professional, kind and helpful. She answered all the questions I had and offered me a good deal. I was very happy with everything.
Response from the owner: Hey Marzena,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was professional, kind, and helpful throughout the process and was able to offer you a great deal. We aim to make everything as clear and smooth as possible, so we’re thrilled to hear you were happy with the service.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
dee F.
dee F.
Thanks so much to Dylan Cadwell who was a fantastic help to me today. He hand held me through the process of picking a new policy, he explained everything I needed to know and then when I was happy with the policy he had all my documents ready to sign within the hour. I would definitely recommend Dylan .
Response from the owner: Hey Dee,We’re delighted to hear about your positive experience with Dylan. It’s great to know he was able to explain everything clearly, guide you through the process, and get your documents ready so efficiently. We aim to make the journey as smooth and supportive as possible, so your feedback really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
js_loader

Meet our Team of Expert Advisors

Income Protection Benefits

Income Protection is crucial as it ensures financial stability by replacing up to 75% of your salary if you are unable to work due to illness or injury. This allows you maintain your current lifestyle and meet financial obligations until you are able to return to work, allowing you to better focus on your recovery. 

Here are some of the benefits you can avail of with Income Protection:

Income Protection Guide - Everything You Need To Know

Have you ever wondered “What is my most valuable asset?” The answer isn’t your home, car or savings/investments. Your most valuable asset is your ability to earn an income. This simple and jargon-free guide has everything you need to know about income protection and why it’s a crucial part of any financial plan.

Your journey towards financial protection starts here!

After you download your guide, one of our expert Financial Advisors will be in touch to provide guidance regarding any queries you may have and to provide further information.

Would you like to speak to an advisor?

Our award winning team is always here to help.

Related Products

Life Insurance

Tax free payout to your family if you pass away.

Get your quote

Serious Illness Protection

Tax free payout on diagnosis of up to 40 critical illnesses.

Get your quote

Mortgage Protection

Pay off your Mortgage if you pass away.

Get your quote

Your Questions Answered

Income protection is a form of insurance that provides financial support to individuals who are unable to work due to illness or injury. In Ireland, income protection policies typically pay out a percentage of the policyholder’s income, usually up to 75%, if they are unable to work due to specified medical conditions. These policies offer peace of mind by ensuring a regular income stream to cover essential living expenses during periods of incapacity. Income protection works by paying out a monthly benefit after a specified waiting period, known as the deferred period, which can range from 4 weeks to 1 year. The benefit continues to be paid until the policyholder either returns to work, reaches the policy’s cessation age, or the end of the policy term. It’s important to note that income protection premiums are tax-deductible in Ireland, providing additional financial relief to policyholders. Overall, income protection serves as a vital safety net, safeguarding individuals and their families against the financial implications of unexpected illness or injury.

Income Protection is designed for individuals who rely on their income to cover daily living expenses, maintain their lifestyle, and meet financial commitments. This includes a wide range of people such as employees, self-employed individuals, and business owners. Essentially, anyone who would face financial hardship if they were unable to work due to illness or injury can benefit from Income Protection. For instance, if you are the primary breadwinner of your family, this insurance can provide you with peace of mind, knowing that a significant portion of your salary would still be available to cover essential expenses like mortgage payments, utility bills, and daily necessities during a period of incapacity.

Moreover, Income Protection is particularly beneficial for those in professions with a higher risk of injury or illness, such as manual laborers or those in high-stress jobs. Additionally, freelancers and gig economy workers, who may not have the safety net of employer-provided sick pay, find Income Protection crucial for maintaining financial stability. By replacing a portion of your income when you are unable to work, this insurance ensures that you can focus on recovery without the added stress of financial worries. It helps maintain your quality of life and prevents the need to deplete savings or accumulate debt during challenging times.

Your type of work can affect your ability to obtain income protection insurance due to the level of risk associated with your occupation. Insurance providers typically assess the risk of potential claims when underwriting income protection policies.

Certain occupations with higher risks of injury or illness may face higher premiums or exclusions from coverage. For example, individuals working in hazardous professions such as construction or firefighting may encounter challenges in securing income protection coverage or may have limitations on the benefits provided.

On the other hand, individuals in low-risk occupations, such as office-based jobs, may find it easier to obtain income protection coverage at more affordable rates.

Additionally, factors such as your health status, lifestyle habits, and past medical history also play a significant role in the underwriting process and can impact your eligibility for income protection insurance.

It’s essential to disclose accurate information about your occupation and health when applying for income protection to ensure that you receive appropriate coverage tailored to your needs. Working with an experienced insurance advisor can help navigate the underwriting process and find the right income protection policy for your specific circumstances.

Income protection is considered an essential protection insurance for several reasons:

  1. Financial Security: Income protection provides a crucial safety net by replacing a portion of your income if you are unable to work due to illness or injury. This ensures that you can continue to meet your financial obligations, such as mortgage or rent payments, utility bills, and daily living expenses, even when you are unable to earn an income.

  2. Peace of Mind: Knowing that you have income protection in place can offer peace of mind, knowing that you and your family are financially protected in the event of unexpected illness or injury. It alleviates concerns about how you will support yourself and your loved ones during periods of incapacity.

  3. Long-Term Support: Income protection policies typically provide benefits for an extended period, ranging from a few years to retirement age, depending on the policy terms. This long-term support ensures that you have ongoing financial assistance until you are able to return to work or reach retirement age.

  4. Tax Benefits: Income protection premiums are tax-deductible in many countries, including Ireland, making it a tax-efficient way to protect your income. This can result in additional financial savings for policyholders.

  5. Flexibility: Income protection policies offer flexibility in terms of coverage options and benefit levels, allowing you to tailor the policy to meet your specific needs and budget. You can choose the waiting period, benefit period, and level of coverage that best suits your circumstances.

Overall, income protection is essential because it provides financial stability, peace of mind, and long-term support during times of illness or injury, ensuring that you can maintain your standard of living and focus on your recovery without worrying about financial hardship.

You may also be interested in...

Follow us on Social Media

Follow us on social media to stay in the loop with exclusive content that will help you achieve your financial goals.

Career opportunities at LowQuotes.

Here at LowQuotes, we want to ensure that our clients receive the highest standards of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

No Fields Found.
insurance advisor

Quick Call Back

Enter your details below and a Financial Advisor will call you back promptly.

Contact Info

Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.