Personal Accident Cover and Income Protection will both provide replacement income if you can't work but what are the similarities and differences?

Which should you choose?

That's what we look at in this article.

tl/dr - choose income protection!

Picture this:

You're sitting at your desk, bored out of your mind, daydreaming about that stunning beach getaway you just booked.

The sun-kissed shores, the warm breeze, the cold drinks —it all feels so close, yet so far away.

But, what if there's a cruel twist to this daydream?

Imagine life throws you a curveball, and suddenly, you find yourself unable to work due to an unexpected illness or injury.

The thought of putting your dreams on hold and settling for the mundane can be disheartening, to say the least.

But fear not, because there's a hero ready to save the day: income protection!

As an engineer in Ireland, your income is an essential part of your financial stability.

But what happens if you become unable to work due to an illness or injury?

That's where income protection insurance comes in.

Our latest blog covers everything you need to know about choosing the right policy, applying for coverage, and answering common questions about income protection insurance for engineers in Ireland.

Don't let unexpected setbacks derail your finances - read on to learn more.

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?

As a solicitor, your income is your livelihood.

But what happens if you cannot work due to illness or injury?

Income protection can provide the financial security you need to get through tough times and ensure that you and your family are taken care of.

This article will explore the importance of income protection for solicitors and how to get the best policy.

Sick days are inevitable, the flu, a pulled muscle, a heavy night - don’t look at me like that!

But did you know that legally, you are entitled to exactly ZERO sick days?

Shocking isn’t it?

And if you work as a chemist or can call yourself a pharmacist, you're in the same boat as everyone else.

Any employer worth their salt knows that without their employees, they have nothing.

So, a smart employer will always put Executive Income Protection in place to keep their staff safe and happy.

And if you are a Director of your own Limited Company, you'll want to ensure you're ok if the worst happens.

Now, I know some employers pride themselves on being the tightest in their industry, so we're talking to those who value their employees and want to look after them.

Because let's be honest, by looking after your employees, you're looking after your business too.

It's a magical trade-off that keeps everyone happy.

Ah, accountants, the sort you wouldn’t want to corner you at a party because, well, yawn.

All those debits and credit swimming around your brain have replaced the chit-chat leaving only tax rebates and allowable income small talk, right?

You know I’m only messin.

After all, I peddle life insurance for a living, so accountancy is a relative blast. I make you look like a veritable rock star at a party.

Accountants, I tip my hat to you, you wonderful bunch of money savers.

Without you, I’d be slogging away come tax season, holed up in my cave, throwing papers around like a loon.

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

So, you’re looking for the best income protection policy the world can offer, you’ve done all the research, you know income protection is the BEE’S KNEES, but you’re still not sold on which insurer to choose, and if you should go with the lads from Switzerland ??

I know; it’s like sending your toddler into the sweet shop. They know they want sweets, but which one will best serve their toddler-sized sweet tooth is an almost impossible decision. It’s the same for us and insurance, sort of.

A child would never choose Swiss Chocolate, far too rich and not enough sugar but should you go to Zurich for your income protection?

Let’s see,

I’ve rounded up the top 3 policy benefits on income protection from Zurich Life that might tip the scales in their favour.

First up….