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 1481 reviews
Harsh S.
Harsh S.
Great support provided by Aoife during the whole process!
Karen P.
Karen P.
Rebecca was very helpful and informative and easy to deal with, she explained the whole process in detail and followed up regularly, thanks for making it easy Rebecca
SarahJane M.
SarahJane M.
We worked with Aoife, who helped us navigate setting up our Life Insurance for our new home. Aoife was amazing! Throughout the whole process she was really informative, worked around our schedules and always followed up promptly with any questions we had. She found us the right policy for us and got everything set up in record time.
Clodagh L.
Clodagh L.
Shaun was very pleasant and informative on the phone discussing healthcare plans and offering advice on the most suitable form of cover!
Response from the owner: Hey Clodagh,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to explain everything clearly and offer helpful advice on the most suitable healthcare cover for you. 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
Seamus L.
Seamus L.
Ross Kerwin was a great help to us. He laid out everything is easily relatable terms and answered all our questions . He went above and beyond to get us the best deal which we greatly appreciated. We wouldn’t hesitate for a second to recommend him and Low Quotes.
Response from the owner: Hey Seamus,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything in clear, relatable terms and go above and beyond to secure the best deal for you. 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
Adam R.
Adam R.
Rebecca was great from start to finish!
Response from the owner: Hey Adam,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to support you from start to finish and make the process smooth. 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
Stephen D.
Stephen D.
Spoke to a very friendly and helpful guy, Ross Kirwan was a real gentleman and helped me with the process which was quick and pain free.
Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to guide you through the process and make it quick and stress-free. We aim to keep things as smooth and simple 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
Mohamed N.
Mohamed N.
Ross has been absolutely brilliant from day one. He’s super easy to chat with, explained everything in a way that made sense, and was always quick to reply to our emails. Having him guide us through the mortgage protection side of things from July to mid-August really took a lot of the stress out of the process. We felt really looked after. Thanks again, Ross!
Response from the owner: Hey Mohamed,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 mortgage protection process smooth and stress-free. We always aim to take the pressure off and make things 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
Philson T.
Philson T.
I delt with Ross. He was very helpful and supportive and easily reachable. I very much recommend him.
Response from the owner: Hey Philson,We’re delighted to hear about your positive experience with Ross. It’s great to know he was helpful, supportive, and easily reachable throughout the process. We aim to make everything as smooth and straightforward as possible, so your recommendation 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
nicole M.
nicole M.
Aoife Morgan was spectacular, such a great help and made the whole process stress free.
Response from the owner: Hey Nicole,We’re delighted to hear about your positive experience with Aoife. It’s fantastic to know she was able to make the whole process stress-free and provide such great support. We always strive to keep things simple and smooth for our clients, so your feedback means a lot to us! If you need any further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Andrea G.
Andrea G.
We had a great experience with Rebecca. She was very kind and patient with us, always available when we contacted her and very helpful if we had any doubts
Response from the owner: Hey Andrea,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was kind, patient, and always available to help whenever you had questions. We aim to make the process as smooth and supportive as possible, so your feedback means a lot to us! If you ever need further assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Cathy M.
Cathy M.
Rebecca was an absolute pleasure to deal with. She took the time to clearly explain every detail of our policy, making sure we understood and got the coverage we truly needed. On top of that, she secured us a fantastic deal on our life insurance, significantly better than what we had with our previous provider. Knowledgeable, patient, and genuinely helpful,Rebecca made the whole process stress free.
Response from the owner: Hey Cathy,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she took the time to explain everything clearly and helped you secure such a fantastic deal on your life insurance. We always aim to make the process stress free and ensure our clients feel confident with their coverage, so your feedback means a lot to us! If you need anything further down the road, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Chloe M.
Chloe M.
Dylan was an absolute pleasure to deal with. Every step was explained perfectly and Dylan was patient in allowing me to ask questions on anything I was unsure of. I would highly recommend, and I already have, several times! Thank you so much again.
Response from the owner: Hey Chloe,We’re delighted to hear about your positive experience with Dylan. It’s great to know he explained everything clearly and took the time to answer all your questions with patience. We really appreciate your recommendations – word of mouth is so valuable to us! If you need any further support in the future, we’re always here to help.Best Regards,LowQuotes Team
Niamh M.
Niamh M.
Ross Kirwan was extremely helpful guiding me in the right direction with life insurance. He was very knowledgeable with the information he provided and also very patient with explanations. He made the whole process swift and stress free. Thank you
Response from the owner: Hey Niamh,We’re delighted to hear about your positive experience with Ross. It’s great to know he guided you so well through the life insurance process and made everything clear, smooth, and stress free. Your feedback means a lot to us, and we’re so glad Ross could support you in finding the right cover. If you need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Samuel I.
Samuel I.
Cormac Logue has been immensely helpful for us in securing a policy. He is professional and knowledgeable. Thank you Cormac.
Response from the owner: Hey Samuel,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to guide you with professionalism and knowledge while securing your policy. We aim to make the process as smooth and supportive as possible, so your kind words mean a lot. If you have any questions in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Ashley F.
Ashley F.
I had the pleasure of speaking with Rebecca,what a gorgeous person she was.She went above and beyond of explaining everything to me about my life insurance policy and I was very happy with her.she is an asset to you company.Thank you Rebecca 😊
Response from the owner: Hey Ashley,We’re delighted to hear about your positive experience with Rebecca. It’s wonderful to know she went above and beyond in explaining everything about your life insurance policy and made the process so reassuring for you. She’s indeed a valued member of our team, and we’ll be sure to pass on your kind words. If you ever need anything in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Conor M.
Conor M.
Rebecca was excellent to deal with. She gave really good advice, was very kind and patient with us, responded quickly and clearly to all of our queries, and made the process as smooth as I could have hoped.
Response from the owner: Hey Conor,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she provided clear advice, was patient, and made the whole process smooth and straightforward for you. We’re proud to have her on our team, and we’ll be sure to share your kind words with her. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Andreea G.
Andreea G.
From the first call Bernadine has been an absolute please to talk to. Such a warm and knowledgeable person.I've started doing the mortgage process by myself and i got a bit lost in the process but Bernadine has put me back on the right path and even though she hasn't been my broker she has been my angel. Her words and information have put my mind at ease and gave me the confidence to keep going and stay calm and wait for the bank to come through.I am and i will always recommend Bernadine to everyone that plans to buy a house. She will definitely go beyond to help you and she will be there for you every step of the way.
Response from the owner: Hey Andreea,We’re so delighted to read your kind words about Bernadine. It’s wonderful to hear how she was able to guide you, ease your worries, and give you the confidence to continue through the mortgage process. Even when the journey feels overwhelming, our goal is always to make it clearer and more reassuring, and Bernadine truly shines at that. Thank you for your recommendation, it really means a lot!Best Regards,LowQuotes Team
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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.

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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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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.