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My life cover protection was so easy the way Fiona took me through the process and I thanks her now I am fully cover for my family.I will highly recommend anyone to LowQoutes and for any assistance.Thank you Fiona Robinson
kelvin A.
kelvin A.
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Highly recommend speaking to Richie if you are looking for mortgage protection. Myself and my wife were delighted with the service from Richie, so efficient and easy to deal with! 10/10
Gary W.
Gary W.
1708435883
Richie was so professional but friendly and helped me through my application and was super helpful. I would have no hesitation in recommending lowquotes to friends and family
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Easy to choseEasy to navigateQuote very fast
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Cherry Berry B.
1707945755
Amazing Service!!! Colin was knowledgeable, helpful and an absolute pleasure to deal with. He explained the polices available and listened to what i needed. Highly recommend.
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The process of setting up an insurance policy in this website is very easy to understand and user friendly. I will definitely recommend this to my friends and family.
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John Paulo E.
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Very friendly and professional agent. Covered all my questions and gave all answers with best quote for my needs
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Manuel B.
1707740737
Excellent service .. dealt with Joe who was so helpful & explained in detail everything we needed to know.. very professional. Would highly recommend. Thanks again Joe 😊 Karina & Damien
Mia S.
Mia S.
1707065309
We were dealing with Amanda Buckley. From the first moment Amanda has been extremely hepful, professional and efficient. Her kind and positive attitude just made the whole process easier and smooth. I would definitely work with her again and 100% recommend her everyone who's looking for a great financial advisor.
Edina N.
Edina N.
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Very good site for getting numerous quotes
Ronan G.
Ronan G.
1706633240
What a great team.. had a great time and much informative advise from Joe O Shaughnessy, who took me through the whole stages and gave me the best advise
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Gcinangaye G.
1706618145
I highly recommend LowQuotes.ie if you are thinking of switching mortgage. Amanda handled our request and was very helpful and patient with us throughout the whole process.She took the stress out of switching and was proactive in tracking of all the outstanding documents that were needed.Amanda's calm and friendly personality took the pressure and frustration out of the switching. Thank you for your excellent service!
Adrian R.
Adrian R.
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Great help and lovely helpful people
James B.
James B.
1706014839
Very good Web site. Quick and easy to navigate. Give you all options for your quote. And even they call you back to help what options are the best for you.
Elena M.
Elena M.
1705932023
Really efficient and quick switch process - Niall was super helpful and I saved money too!
Lianne C.
Lianne C.
1705679205
Thank you very much Collin for helping me out to find the right mortgage protection very quickly. I was very stressful about finding the right insurance as I already talked to few companies, but Collin made it super easy for me and my husband. Highly recommended. Outstanding customer service.
Aneena N.
Aneena N.
1705608066
Alan was extremely helpful, well recommend low quotes.
Mark
Mark
1705559720
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Benefits of choosing LowQuotes
for 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

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Mortgage Protection

Pay off your Mortgage if you pass away.

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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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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.