❓ Is income protection worth it?

If losing your income would make it hard to pay your bills, income protection is worth serious thought. It’s especially valuable if you’re self-employed or don’t have long-term sick pay.

❓ How much income protection can I get in Ireland?

You can cover up to 75% of your income (minus any State Illness Benefit). For most people, that works out at around 50–60% of their gross salary.

❓ Can I get income protection with a pre-existing condition?

Yes, but your cover might have exclusions or a higher premium depending on your medical history. Each insurer underwrites differently — which is where a broker can help you find the most flexible option.

Nick McGowan | Chief Life Insurance Broker

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

How to Choose Income Protection in Ireland (2025 Guide)

A step-by-step guide to picking the right income protection policy in Ireland.

Learn the 5 key decisions that matter, avoid common mistakes, and see how to compare insurers like a pro.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

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New Ireland Mortgage Protection Review 2025

Is New Ireland the best choice for your mortgage protection?

Here’s our review of their cover, pricing, and exclusive benefits like Better Health.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

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Life Insurance with Arthritis in Ireland | Get the Right Cover

Got arthritis and hit with a savage life insurance quote?

Don’t panic — it depends on your condition, your meds, and (crucially) the insurer.

Here’s how to get a fair deal.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 6 2025 4 min read Medical Issues & Life Insurance

Mortgage Exemptions Ireland Explained | LTI & LTV Exceptions

Struggling with mortgage limits?

Find out how mortgage exemptions (LTI & LTV) can help you borrow more or reduce your deposit.

Read our no-nonsense guide.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

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5 Warning Signs You’re Underinsured | Life Insurance Ireland

Only have mortgage protection? Haven’t reviewed your cover in years? You may be underinsured. Here are 5 warning signs and how to fix them.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 4 2025 3 min read Life Insurance

Skin Disorders and Life Insurance

Worried a skin disorder will affect life insurance?

From psoriasis to melanoma, we explain what insurers look for and how to get the best cover.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 1 2025 3 min read Blog Medical Issues & Life Insurance

Life Insurance with Addison’s Disease

Diagnosed with Addison’s and worried about life cover?

You’ve got options.

We’ll check every insurer and find the best one — before you even apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

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Income Protection for Accountants in Ireland

Self-employed or PAYE accountant?

Protect your income with tax-deductible cover that pays you monthly if you can’t work.

No BS advice.

No pressure.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 30 2025 4 min read Income Protection Insurance

First-Time Buyer Glossary Ireland (2025) | Jargon Buster

Buying your first home?

This plain-English glossary breaks down all the confusing bank speak — from AIP and LTV to mortgage protection and structural surveys — so you can buy with confidence (and without needing a translator).

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 29 2025 6 min read Mortgage Protection Insurance

Life Insurance Exclusions Ireland 2025 | What’s Covered & What’s Not

Think life insurance always pays out?

Not quite.

Learn about the only real exclusion in Ireland — and what to watch out for on serious illness and income protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 25 2025 3 min read Life Insurance

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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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