What is Wage Protector?

Wage Protector is Aviva’s lower-cost income protection option for manual and higher-risk jobs. It pays if you cannot do your own job for up to two years.

What happens after two years on Wage Protector?

After two years, it only continues if you cannot work in any job and meet Aviva’s disability test.

Is Wage Protector the same as Income Protection?

No. Full Income Protection can continue paying if you cannot return to your own occupation. Wage Protector cannot after two years.

Who should choose Wage Protector?

It is designed for Class 3 and 4 occupations, where full Income Protection costs more

Can Wage Protector premiums increase?

Yes. Wage Protector premiums are reviewable, which means Aviva can increase the cost in future.

Income Protection Insurance Archives

Wage Protector Insurance in Ireland

Wage Protector is Aviva’s cheaper version of income protection for Class 3 and 4 occupations.

It pays your own occupation for two years, then switches to an any occupation definition.

Here’s when it makes sense and when it doesn’t.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 14 2026 5 min read Income Protection Insurance

Income Protection for Dentists in Ireland

Income protection for dentists in Ireland.

Why own occupation wording, insurer choice and sequencing matter before you apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 13 2026 8 min read Income Protection Insurance

Income Protection if You’re Dismissed While Sick

Can income protection still pay if your employer lets you go while you’re out sick?

In most cases, yes. This page explains how claims actually work in Ireland and why policy wording matters more than people realise.

Unfortunately, the answer is trickier than a quick yes or no.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 9 2026 4 min read Income Protection Insurance

Income Protection for the Self Employed & Freelancers

If you’re self-employed and can’t work due to illness or injury, your income stops immediately.

This guide explains how income protection works for sole traders and contractors, what insurers actually assess, and how to avoid costly mistakes when applying.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 6 2026 8 min read Income Protection Insurance

Income Protection for Nurses: When the Union Scheme Isn’t an Option

Union income protection schemes work well for many nurses.

This page explains when personal income protection may be worth considering instead, particularly for private sector nurses or those affected by health exclusions.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 5 2026 6 min read Income Protection Insurance

Income Protection for Construction Workers

Income protection for builders in Ireland isn’t restricted by the job itself, but outcomes vary by occupation class and insurer approach.

This guide explains what really affects cost, exclusions, and how to apply properly.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

7 min read Income Protection Insurance

Can Bonuses and Commission Be Included in Income Protection in Ireland?

Some bonuses and commission can be included in income protection, but only in specific circumstances.

What matters is how regular the income is, how it’s taxed, and how it can be proven.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 4 2026 5 min read Income Protection Insurance

Can I get Income Protection Before Starting a New Job?

Changing jobs is one of the easiest ways to accidentally lose income protection.

This guide explains what happens to your cover when you move roles, go between jobs, or change occupation, and how to avoid costly mistakes.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 2 2026 5 min read Income Protection Insurance

Personal Accident Cover v Income Protection

Personal accident cover and income protection are often confused, but they solve very different problems.

Personal accident cover pays out for accidents only and usually for a short time.

Income protection pays out if you can’t work due to illness or injury and can replace your income for years.

This guide explains the real differences and which one actually protects your income.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 23 2026 Income Protection Insurance

Income Protection for Engineers Working in Ireland

As an engineer in Ireland, your income is usually your biggest financial asset.

If illness or injury stops you working, income protection replaces part of that income until you can return to work.

This guide explains how income protection works for engineers, why small details in your role can affect cost, and how to choose the right policy without overpaying.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 16 2026 3 min read Income Protection Insurance