Does my job really affect the cost of income protection?

Yes. Insurers put jobs into “occupation classes.” A low-risk office job (Class 1) usually gets cheaper premiums, while more physical or hazardous roles (Class 3–4) pay more. The catch? Different insurers can classify the same job differently. That’s why it pays to shop around — or let us do it for you (we’ll even get you a 15% discount).

What if my job doesn’t fit neatly into one category?

No problem. We’ll look at your exact duties, not just your job title. For example, some engineers are classed as Class 1 if office-based, but Class 3 if site-based. We make sure insurers understand what you actually do so you don’t get overcharged.

Can self-employed or freelance workers get income protection?

Yes — in fact it’s even more important, because you don’t have sick pay or company benefits to fall back on. You can cover up to 75% of your taxable profits (not just your drawings). We’ll help you structure it properly so you’re fully covered.

Nick McGowan | Life Insurance Specialist

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Income Protection by Job

Some insurers treat jobs differently — meaning the same role could cost far more with one insurer than another.

Your occupation class (1–4) affects price, benefits, and even whether you’ll be accepted.

This guide explains how income protection works by job, how to avoid overpaying, and why checking all insurers matters.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 18 2025 4 min read Income Protection Insurance

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

August 15 2025 3 min read Income Protection Insurance

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

August 7 2025 3 min read Mortgage Protection Insurance

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

August 5 2025 5 min read Mortgage Protection Insurance

Pension Term Assurance: A Guide for Business Owners

Pension Term Assurance is a valuable tool for ensuring your family's financial security while taking advantage of tax savings.

For business owners, it’s an effective way to provide peace of mind without a heavy financial burden.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 11 2024 4 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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