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 1345 reviews
Lisa M.
Lisa M.
Ross really took his time to accommodated my busy schedule while getting me the best deal possible. It was really appreciated.
Mohmmed D.
Mohmmed D.
Excellent service specially Cormac has been amazing, highly recommended.
Laura W.
Laura W.
I cannot recommend Low Quotes highly enough. In particular Niamh. Niamh was with me from start to finish on my mortgage/insurance journey and the service I received from Niamh was simply exceptional. Her dedication, support and professionalism shown to me throughout my journey was just amazing. Niamh took the time to understand my needs and getting me the best deals on the market and for that I will be forever grateful. Her knowledge and expertise of the industry is fantastic. Niamh is an amazing asset to Low Quotes.
Response from the owner: Hey Laura,We’re absolutely delighted to hear about your experience with Niamh! It’s fantastic to know she was able to support you throughout your mortgage and insurance journey and provide such a high level of care and professionalism.Niamh is indeed a huge asset to our team, and we’ll make sure your kind words are passed on to her. We’re so glad she could help you secure the best deals and make the process smooth and stress-free.If you ever need anything else or have questions down the line, we’re only a message away. Thanks again for the glowing recommendation!Best regards,LowQuotes Team
Vignesh C.
Vignesh C.
Friendly customer service and would recommend for sure.
Response from the owner: Hey Vignesh,Thanks a million for the great review! We’re delighted to hear you had a positive experience with our customer service. We always aim to make things as smooth and friendly as possible, so your recommendation means a lot to us. If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrew L.
Andrew L.
I dealt with a very professional and informative person Shaneen any questions that needed answering were answered and explained in a very detailed and also simple way ! Between the first phone call I felt that Shaneen was there to help me out with ever need and the best policy availableThank you once again ShaneenHighly recommended 10/10
Response from the owner: Hey Andrew,We’re delighted to hear about your positive experience with Shaneen! It’s great to know she was able to answer all your questions clearly and guide you toward the best policy. We’re all about making things as straightforward and helpful as possible, so your kind words mean a lot.If you ever need anything else, don’t hesitate to reach out.Best Regards,LowQuotes Team
Brendan D.
Brendan D.
Amazing service from Tiernan at LowQuotes. He made the process of getting a mortgage so much easier and was helpful the entire way.The LowQuotes portal is easy to use and user friendly, which made document organisation much easier.
Response from the owner: Hey Brendan,We’re delighted to hear about your positive experience with Tiernan! It’s great to know he was able to make the mortgage process easier for you and provide helpful support throughout.We’re also glad you found the LowQuotes portal user-friendly—it’s designed to keep things simple and stress-free, so your feedback means a lot to us! If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Craig D.
Craig D.
Ross Kirwan was great help. Flexible for my hectic schedule. Thank you.
Response from the owner: Hey Craig,We’re delighted to hear about your positive experience with Ross Kirwan! It’s great to know he was able to work around your hectic schedule and provide the support you needed.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jacques P.
Jacques P.
Fast speedy review online and a few good options provided a good all round service
Response from the owner: Hey Jacques,We’re delighted to hear you had a great experience with our online process! Providing fast and efficient service with a range of good options is exactly what we aim for.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Paul O.
Paul O.
Colin made the process so easy. Highly recommend.
Response from the owner: Hey Paul,We’re delighted to hear about your positive experience with Colin. It’s great to know he made the process so easy for you! We always aim to keep things simple and stress-free, so your recommendation means a lot to us.If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sharon G.
Sharon G.
My experience was lovely dealt with a lovely patient man called cormac I had to get him to repeat himself twice on some details and was very understanding his tone never changed with me .cormac logue your a credit to this company.
Response from the owner: Hey Sharon,We’re delighted to hear about your positive experience with Cormac! It’s great to know he was patient, understanding, and took the time to ensure everything was clear for you. We always strive to provide a smooth and supportive experience, so your feedback means a lot to us.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Keith H
Keith H
Excellent,,,My agent Aideen was very helpful, answered all my questions,and explained everything clearly,,,well worth a call ,,, 😁😁
Response from the owner: Hey Keith,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to answer all your questions and explain everything clearly. 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
Tomas O.
Tomas O.
Dealt with Shaun Young in relation to Health Insurance quotes. Very happy with the service provided. Extremely friendly, proffesional and efficent. Had the policy in place in less than 24hrs highly recommend.
Response from the owner: Hey Tomas,We’re thrilled to hear you had a great experience with Shaun! It’s fantastic to know he provided friendly, professional, and efficient service, getting your policy sorted in less than 24 hours. We truly appreciate your recommendation!If you ever need any further assistance, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jade G.
Jade G.
Aideen Graham was so so helpful! I wasn’t familiar with any aspects of life insurance but she talked me through both policies. Will be recommending her 😊
Response from the owner: Hey Jade,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to guide you through your life insurance options and make everything clear. Helping our customers feel informed and confident in their choices is always our goal!Thank you for your recommendation—we truly appreciate it! If you ever have any more questions, feel free to reach out.Best Regards,LowQuotes Team
Krzysztof P.
Krzysztof P.
I recently had the pleasure of working with Alan. He made the insurance process a walk in the park. Friendly, knowledgeable and always willing to answer my questions. I highly recommend Alan to anyone looking for an insurance agency that puts their clients first. Alan’s professionalism is 5 stars!
Response from the owner: Hey Krzysztof,We’re delighted to hear about your positive experience with Alan! It’s fantastic to know he made the insurance process so easy and was there to answer all your questions. Providing friendly and knowledgeable service is what we strive for, so your kind words mean a lot to us!Thank you for your recommendation—we truly appreciate it! If you ever need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jessica B.
Jessica B.
Aideen was so helpful and informative in explaining exactly why Private health insurance is important but also being very honest about what shortfalls they are and how much you can get from the Public system.
Response from the owner: Hey Jessica,We’re delighted to hear about your positive experience with Aideen! It’s great to know she was able to explain everything clearly and provide honest insights into both Private Health Insurance and the Public system. 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
Satwik K.
Satwik K.
Low Quotes provided me with required clarity in choosing from one of the providers they work with. Alison Fitzpatrick, was very prompt in providing me with required assistance. Made it easy for me to get the best quote and get my policy documents.
Response from the owner: Hey Satwik,We’re delighted to hear that Alison was able to provide you with the clarity and assistance you needed in choosing the right provider! Making the process smooth and ensuring you get the best quote is exactly what we aim for.Thank you for your kind words and for choosing LowQuotes. If you ever need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team
jitesh S.
jitesh S.
Aoife Morgan is awesome. Quick on chasing things and very efficient with docs and questions. Thanks to lowQuotes for the quick job.Highly recommend.
Response from the owner: Hey Jitesh,We’re delighted to hear about your positive experience with Aoife Morgan. It’s great to know she was able to assist you efficiently and keep things moving quickly. We aim to make the process as smooth and straightforward as possible, so your feedback means a lot to us!If you ever have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,The LowQuotes Team
Emma C.
Emma C.
As someone who hasnt done much research into Health insurance I really appreciated Shane's phone call from lowquotes as he informed me about so much and made me more aware about services etc. Shane was helpful honest and very pleasant on the phone. I will definitely be in contact with him again.
Response from the owner: Hey Emma,We’re delighted to hear that Shane was able to provide you with clear and helpful information about health insurance. It’s great to know he made the process easier and more informative for you! Our goal is always to ensure our customers feel confident and well-informed about their options.If you ever need further assistance, don’t hesitate to reach out—we’d be happy to help!Best Regards,The LowQuotes Team
Dariia H.
Dariia H.
It was a great experience working with LowQuotes. Colin was dealing with our mortgage protection application and support us during this process, for which we are very grateful. Highly recommend!
Response from the owner: Hey Dariia,We’re so glad to hear you had a great experience with Colin and that he was able to support you throughout your mortgage protection application. We know how important this process is, and we’re delighted we could make it as smooth as possible for you.Thanks for your kind words and recommendation! If you ever need any further assistance, feel free to reach out.Best Regards,The LowQuotes Team
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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.

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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.

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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.

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