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Income Protection Quote

We compare income protection policies from all major providers in Ireland.
We make sure you get the best price guaranteed.
We take care of income protection for you
Apply Online or Call Us for Massive Discounts.

Google Reviews

The team was very responsive and answered all the questions I had. It helped me build the trust I need to buy a pension plan with them.
Rick M
Rick M
14:45 21 Jan 22
Richard was very helpful from the minute we enquired about our mortgage. He responded to my queries hugely effectively and wasted no time in updating information and the progress of the mortgage application. He spoke to me personally over the phone on numerous occasions to explain the process involved at every stage. He also explained the repayments and rates very simply, so I knew the financial involvement straight away. He was friendly, approachable, reassuring and always optimistic...
Jacinta Moran
Jacinta Moran
13:59 19 Jan 22
Damian really took the time to explain everything thing to me. He was patient and had no problem answering any of my questions. He went through everything on the policy thoroughly. He rang me back very quickly after I left a message. Overall experience was very positive. Mary O Shea
Mary O'Shea
Mary O'Shea
18:20 13 Jan 22
Damien replied almost instantly. I was looking for mortgage protection, but he managed to add a range of other cover for half the price I am currently paying another company for just mortgage protection. Delighted to be saving money!
Caroline Duffy
Caroline Duffy
11:35 13 Jan 22
Claire was amazing. I had my mortgage protection policy complete and ready to go in less than an hour. Very professional, empathetic and so kind. 10000% would recommend
Jane Gobbett
Jane Gobbett
12:36 12 Jan 22
Spoke with Damien. He was very helpful.
Alan Murphy
Alan Murphy
13:49 11 Jan 22
Very easy and fast to deal with, Damien got me a very decent price. I had one 10 minute phone call with him to do a health questionnaire and then I had my life assurance policy emailed to me within 2 working days. It was extremely handy to be able to sign the forms electronically via LowQuotes to cut out any delays of posting back and forth forms.
Niall Crowley
Niall Crowley
12:13 11 Jan 22
Made setting up a mortgage protection policy the easiest part of applying for the mortgage!! Damien was exceptionally helpful and knowledgeable, and was able to talk us through from start to finish, and we had the documents on the same day. There was one small issue with the paperwork which once identified was corrected within the same day. Would highly recommend lowquotes.ie.
Emma Flynn
Emma Flynn
17:19 10 Jan 22
I did an online estimate and got a phone call from Damien literally a minute after. Damien was absolutely fantastic and couldn'd have been more helpful! very professional advisor, his communication skills and friendly style made my experience with LowQuotes very pleasant. The process was quick and exactly what I needed. I can't recommend LowQuotes enough, a big thanks to Damien!
Joelma Contin
Joelma Contin
12:44 23 Dec 21
Very quick and low friction process. Easy to understand products and helpful sales interaction.
Ben Hill
Ben Hill
06:29 23 Dec 21
I was dealing with John today for about my new policy. Best service ever and good price! Thanks John!
Marius Jocius
Marius Jocius
16:35 22 Dec 21
Richard Westman has been my mortage advisor and he has been extremely helpful from day one. No question has been too silly and he has kept in contact with me regularly regarding my mortgage. He has made the whole process very simple and taken the stress out of the application process. I would highly recommend him.
Belle walsh
Belle walsh
16:03 22 Dec 21
I spoke with Alan and he was very helpful and professional. Alan made our journey with LowQuotes easy and effortless. Outstanding service provided and would highly recommend to family and friends.
Shannon Pender
Shannon Pender
14:55 22 Dec 21
Nicola from LowQuotes was very prompt and efficient with all paper work required. Very pleasant and approachable.Highly recommend
Liam W Carroll
Liam W Carroll
14:08 22 Dec 21
Highly recommend lowquotes. Dealt with Richard Westman who is very efficient and communicated everything clearly to me.
Deborah Broomfield
Deborah Broomfield
17:02 21 Dec 21
My mortgage advisor Richard was very helpful and answered all of my questions very quickly. He was responsive to all emails and always friendly on the phone. Buying my first home has been a new challenge for my but Richard made all the steps very clear so I knew what to expect. If anyone is considering using low quotes I would definitely recommend.
Sophie B
Sophie B
11:08 21 Dec 21
I had a good talk with my advisor, Damien, who steered me in the right direction for the cover I wanted. It was easy and everything was explained. The price was affordable and I was very satisfied by the end of the conversation.
Ronnie Murphy
Ronnie Murphy
10:58 21 Dec 21
They were surprisingly fast and helpful. The entire process was quick and easy. Highly recommended service.
Gergo Farkas
Gergo Farkas
15:19 16 Dec 21
Good Customer Service, well explained and really easy to get the cover wanted.
Kerrie O Dea
Kerrie O Dea
15:44 14 Dec 21
Ciaran is top notch. Highly professional and great advice. Very patience and professional
colm goonan
colm goonan
15:44 13 Dec 21
Greay experience rep was amazing talked through all best options and got me amazing coverage at a great rate
Kim Wilson
Kim Wilson
12:03 13 Dec 21
Brilliant couldn’t have been more helpful definitely 5 stars
Ellen O'Sullivan
Ellen O'Sullivan
14:05 10 Dec 21
Ciaran was great in getting everything sorted for us over the phone.He was very professional and lovely to chat to
Ann Gilligan
Ann Gilligan
13:06 09 Dec 21
Richard Westman was my first point of contact with lowquotes.ie, and as my advisor, I found Richard to be very professional and tremendously helpful. His attention to detail and personable manner helped solidify my decision to avail of lowquotes.ie to assist me with my personal finances.
David Grace
David Grace
23:33 25 Nov 21
I needed Life insurance for a mortgage and had no clue about how to go about it. Damien got in touch when I did an online estimate. He was the most helpful person I have ever dealt it! He is very professional with great communicative skills. He was so responsive, by both phone and email. I can't recommend dealing with Damien enough! Such a relaxed and friendly manner. I would use Low Quotes again because of my positive experience with him. We definitely need more Damiens in these positions!
Siobhan McKenna
Siobhan McKenna
18:43 23 Nov 21
Excellent service and advice provided by the team at LowQuotes.ie
Jonathan Carter
Jonathan Carter
15:49 22 Nov 21
Absolutely fantastic service form Bernadine and the team at LowQuotes. My wife and myself couldn't be happier with how things went. 5 stars!
Floyd Jackson
Floyd Jackson
11:20 18 Nov 21
Brilliant service. Damien who I dealt with couldn't have been more helpful.
Keith Gavin
Keith Gavin
20:35 17 Nov 21
Damien was amazing, helped to find the best insurance options for us. Was extremely helpful and friendly.
Alona Babahina
Alona Babahina
01:31 17 Nov 21
Just got my insurance sorted by Alan found him very helpful and very pleasant to deal thank so much highly recommend him .
Sharon Mc grath
Sharon Mc grath
13:16 15 Nov 21
Excellent service, always very helpful and responsive. I purchased mortgage protection from them and I have to say that they are fully deserving of their 5 star rating.
Vincent O Brien
Vincent O Brien
13:02 15 Nov 21
Fantastic experience from start to finish. So very helpful on every aspect of the process. If you are purchasing for the first time like us, it's very reassuring to have some guidance. Our broker Bernadine was absolutely great.
Paul Walsh
Paul Walsh
22:21 05 Nov 21
Great to deal with. Got exactly what we needed at a very competitive price. Damien was great to work with!
Katie Glacken
Katie Glacken
16:14 04 Nov 21
I ran into Low quotes via daft.ie beginning the journey of home ownership in Ireland. The fun that is at this moment in time. I was dealing with Richard Westman. First thing that I liked, the time I was called. Like many I am working from home and the 9 to 5 period can be difficult to get. I was called in the afternoon I said I was interested, while also reaching out to several banks. Being first did irk me and the speed, suspicious. But speaking with Richard, and maybe being a bit more traditional I wanted more time.I heard from 1 Bank. Not even the bank I currently bank with have gotten back to me as of writing.Richard however, had been forward, attentive, understanding and a pleasure to speak with on the phone. No pressure, and giving me the lay of the land before allowing me to make decisions. I prefer an upfront and to the point chat.So I want to thank Richard, and his team, and Low Quotes for all the help and guidance so far. I am truly impressed.
David Mc Grath
David Mc Grath
20:02 03 Nov 21
Jason was really good
Gbade Rosiji
Gbade Rosiji
11:46 02 Nov 21
Very professional advisor, great life insurance package for your needs.
Zsazsa Gál
Zsazsa Gál
17:54 01 Nov 21
I spoke with Jason Greene and he was more than helpful and informative and just a really n weice guy to deal with. Very friendly and explained everything in detail. I would definitely recommend.
Karen Curley
Karen Curley
10:24 31 Oct 21
Cant not compliment enough! From online to the call with Damien, the process was quick and easy but met my needs perfectly. Would highly recommend
Sorca
Sorca
11:53 29 Oct 21
John H was an absolute pleasure to deal with. We had an admittantly less than straight forward mortgage insurance application with a few unforeseen hurdles that we needed to navigate and John was patient helpful and reassuring throughout. He even dropped a line on the day of our closing to see if everything went OK. Great customer care. Highly recommended. Thanks John.
Denis Fahey
Denis Fahey
09:34 29 Oct 21
Great team and great customer service. Very fast and gives you the best basis your requirements.
Sagar Kurpe
Sagar Kurpe
09:17 28 Oct 21
Alan from low quotes was fantastic, found the perfect policy for me , an make it quick an easy to sign up so professionalThank you 😊
Donna Geoghegan
Donna Geoghegan
14:11 27 Oct 21
Had the pleasure of speaking to Jason Greene today such a lovely lad, he went through everything today made sure I understood everything any questions I asked he had the answer. Made sure to find something in my price range for life insurance and I feel great now knowing I’m covered. Jason is a credit to this company such a lovely professional advisor.
Charlene Condon
Charlene Condon
14:29 26 Oct 21
John the agent was so quick , explained the policy in detail , most important quick dealing with my policy looked for quotes from other companies and am still waiting to hear .
Julie Vaughan
Julie Vaughan
14:46 22 Oct 21
Dealt with Alan while researching my insurance and found him very helpful and informative.
Eamonn mordaunt
Eamonn mordaunt
12:18 18 Oct 21
Jason Greene was very helpful and found a good deal for us.it was very easy to get life cover which we though would be difficult process to go through.Thanks again low cost team and Jason GreeneThanks again
Baqar Alam
Baqar Alam
17:22 15 Oct 21
Your employee Jason Greene was Very very helpful and everything was explained very well..thanks..
mark stapleton
mark stapleton
14:36 15 Oct 21
I found Jason Greene to be friendly, helpful and professional. I'm very happy with the service provided. I would highly recommend low quotes to my colleagues!
Carol Carmody
Carol Carmody
10:19 15 Oct 21
Top class service from Jason Greene.Jason made the whole process of getting mortgage protection simple, stress-free and incredibly convenient by agreeing to speak to me at a later time of 7pm so that I could work it into my busy working schedule. Not to mention he saved me €180 compared to other quotes I recieved from different providers. Highly recommended!
Bren Garvey
Bren Garvey
18:40 14 Oct 21
Very good ..
sherry rajan
sherry rajan
18:00 06 Oct 21
Quality Professional service provided by Jason Greene
Ita Kavanagh
Ita Kavanagh
15:47 30 Sep 21
Dealt with a lovely guy Jason greene he was so helpful and explained any questions I had really took time to consider my situation and got me sorted with the right policy for my needs. Super customer service and very professional 👏 👌
carrie mclawrence
carrie mclawrence
20:47 28 Sep 21
I have had the best experience with Low Quotes. Bernadine Day based in Portlaoise guided me through the entire process. Always available to take my calls and explain, what can be a stressful and confusing process, to me in a calm manner that allowed to trust in the process & her as my broker. If everyone of Low Quotes financial advisor are as good as Bernadine, you'll have a fantastic team. Highly recommend.
Tom Proctor
Tom Proctor
15:48 28 Sep 21
I dealt with Ciaran, so helpful and an effortless transaction. He was very helpful. Couldn’t recommend him enough.
Zena Barrett
Zena Barrett
14:01 27 Sep 21
Alan was very good in explaining the procedure step by step and was very helpful and convincing. Keep up the good work
Bijo Varghese
Bijo Varghese
14:25 24 Sep 21
We had a bit of a special case and it was handled by Ciaran really well, especially as we could compare to the other supplier, who is still tied in a knot. Many thanks!
Vladan Milosevic
Vladan Milosevic
10:57 20 Sep 21
John was really helpful and went over and above to help. We now have the cover we need in place so we can proceed with our move. Would highly recommend the team and would deal with them again.
Margaret Greene
Margaret Greene
14:16 17 Sep 21
Had to get life cover sorted quickly for mortgage. Dealt with ciaran from low quotes, who was brilliant to deal with. Fast, knowledgeable and efficiently processed the policy within 24hours. Very helpful and informative about products and choices. Has been a joy to deal with and would highly recommend.
Kennedy 087
Kennedy 087
22:28 16 Sep 21
Ciaran made our mortgage protection process straightforward and stress free, he gave us a competitive price available and got the policy in 3 days after signing the online declaration. Definitely recommend.
Brenda JB
Brenda JB
16:21 08 Sep 21
I dealt with John and not only was he very professional, informative and helpful, he also made the process very easy. I highly recommend not only John but Low Quotes Insurance themselves.
Fiona Mulhall
Fiona Mulhall
14:39 08 Sep 21
I initially took out my mortgage protection with low quotes and they were extremely helpful,I have since returned and taken out a life insurance policy and again absolutely brilliant friendly helpful professional service
Alan Earls
Alan Earls
13:12 08 Sep 21
We worked with Bernadine and we will happily recommend her and her team to everyone. She sought out the best deals for us, was very patient and efficient throughout the process.
Lekan Agunbiade
Lekan Agunbiade
01:34 06 Sep 21
Alan was a pleasure to deal with. Very friendly, professional and helpful. I would recommend their service
Richard Garry
Richard Garry
15:09 03 Sep 21
Thank you to Alan Broderick who made process of finding new life insurance policy simple. Alan is very professional, patient, friendly and clear in explaining the details.
Bernie Brady Gormley
Bernie Brady Gormley
17:22 01 Sep 21
Would highly recommend. We dealt with Bernadine who made the mortgage journey smooth at all stages. She really made the work load as minimum as possible for us. She helped in all sectors with insurance and connecting us to the solicitors aswell as dealing with the bank. The hours of time Bernadine saved us is priceless and it took so much stress of the journey or purchasing a house. Thanks for everything again.
Daniel-James McCormack
Daniel-James McCormack
19:32 30 Aug 21
I found Ciaran from LowQuotes.ie extremely helpful through the whole process of getting our Mortgage Protection. He was happy to answer any queries we had and was so efficient in organising our Mortgage Protection as quickly as possible for us. We would highly recommend.
Tara McNally
Tara McNally
16:20 30 Aug 21
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Speak to an Advisor about Income Protection

Unsure about any options on the form? Don’t know how much cover you need?
Call our expert advisors for your free no obligation advice & quote.

Benefits of using LowQuotes
to help you find Income Protection

  • €50 Cash back on policies over €30p/m*

  • Free 'Will Kit' worth €120*

  • Compare every provider in 30 seconds

  • Up to 30% discount online

  • We beat any competitors quote

  • Quote, Apply, Sign, Online

  • Cover available in 10 minutes

  • Cover up to 75% of your annual salary

  • Covered until the day you retire

  • Eligible for income tax relief (20/40%)

  • Increase your cover without underwriting

  • Apply online, by phone or by post

  • Can be index linked (keep up with inflation)

  • Deferred periods of 4, 8, 13, 26 & 52 weeks

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 Income Protection Team

life insurance shane tobin

Shane Tobin

Qualified Financial Advisor

claire clohessy life insurance

Claire Clohessy

APA Life Insurance Advisor

Ciaran

Ciaran Dooley

Qualified Financial advisor

John Hourigan

John Hourigan

APA Life Insurance Advisor

Alan Broderick

Alan Broderick

APA Life Insurance Advisor

sinead fogarty life insurance

Sinead Fogarty

Qualified Financial advisor

Income Protection Information

Income Protection is an insurance policy. It works to provide you with a replacement source of income if you can’t work due to an illness or injury after a certain period of time. It typically helps supplement income for a set period, which is defined in the policy LowQuotes help you find.

You can take out an income protection policy if:

  • you are in full-time work (more than 16 hours per week)
  • self-employed and earn a wage
  • over 18 (will vary based on plan)

What is included in your plan will depend on multiple criteria, which is worked out after you fill in the form above and our team finds the best quote possible.

A typical instance of income protection in Ireland would include:

  • Guaranteed premium option available meaning the cost will never go up, even if you make a claim.
  • Pays up to 75% of your income, allowing you to financially support your loved ones when you are out of work.
  • During your deferred period, Income Protection pays a replacement daily income if you are in a hospital for more than seven days.
  • You can still maintain your Income Protection even if you move job, anywhere in the EU.
  • The cover can be increased every 3 years, by up to 20% of your original cover level, without further medical questions.

Anyone eligible can avail of income protection insurance.

There are some standard requirements. Examples of this would be when:

  • You are 18-54 years old and in full-time employment or are self-employed.
  • You want to protect some of your income until you are 65 in case you cannot work because of illness or injury.
  • You want a product that pays you a regular income if you cannot work because of an illness or injury, after a certain amount of time (deferred period).
  • You want the option to top up your cover at a later date.
  • You want your cover to continue, no matter how many claims you make.
  • You want to take advantage of potential income tax relief.

If you are looking for an alternative to Income Protection, and something where your family would be protected if you were diagnosed with an illness, Serious Illness Protection may be the better option for you.

Contrary to popular belief, you can submit a claim on your income protection policy as many times as you require income due to being out of work (due to illness or injury), right up to the very end of the policy term.

The deferral period for income protection is the period in between when you are unable to work and the policy starting to pay out. Example: If you choose a 4 week deferred period, your income protection policy will start to pay out once you have been unable to work for 4 weeks due to injury or illness.

Typically, the deferral periods for Income Protection plans in Ireland are 4, 8, 13, 26 or 52 weeks.

Some occupations will not be covered due to the risk factor of the occupation. See below a list of classes and which class you might fall in to.

  • Class 1 – Office type environment for 75% or more of your day.
  • Class 2 – Doctor/Retail/Catering/Waiting Staff/Chef/Medical Practitioner/Salesperson.
  • Class 3 – Education/Nurse/Surgeon/Dentist/Carer/Social Worker/Teacher.
  • Class 4 – Manual Labour, Building, Trades, General Operatives

Please note that these are subject to change depending on the Income Protection provider.

If you’re currently 35 years old, there’s a one in six chance you’ll be out of work for 6 months in your career. Would your bills be covered? Could you pay your mortgage or rent for those six months?

It isn’t just illness you need to keep in mind, accidents can happen – in the form of traffic accidents or slipping and putting your back out. You need to have something in place just in case your wages were to stop.

The LowQuotes team will always help you find policies that work to your situation.

There are cases where we might suggest that income protection isn’t ideal. For example, if your health or other contributing factors (e.g. smoker status) lead to high premiums, we may take the time to find suitable alternatives that best match your needs.

You should never have to find yourself paying a premium for income protection, regardless of provider.

In Ireland, it is common to have an income protection plan in place until you are in your mid-50s.

It’s something of an industry standard to have plans run to five year increments, i.e. someone choosing to end their plan at age 55/60/65 etc.

No. Income Protection is there to help provide relief in instances where you can’t work due to illness or injury, essentially replicating monthly income.

Conversely, Serious Illness Protection/Cover pays out one lump sum when you have an illness listed in that policy. If that’s something to consider, we recommend clicking here to learn more about how LowQuotes can help you find a better deal on Serious Illness Protection.

There are a host of income protection providers in Ireland, including:

  • Aviva
  • New Ireland
  • Royal London
  • Zurich

Some will have their own terms for income protection, which can be confusing, and some may not make it clear if they offer a confirmed income option (this is where your plan stays based on your original income).

To avoid comparing site after site, and being tongue tied over various policy, just use the form on this page. Let LowQuotes take care of finding you the best income protection plan possible

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Quick Call Back

We are removing face-to-face interactions to keep in line with social distancing guidelines.

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.