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.

Thinking about Zurich Life for your income protection?

We break down their top benefits — including early intervention, hospital cover, and salary top-ups — and compare them to Aviva, Royal London, and more so you can choose with confidence.

Illness — the sneaky bastard — has no manners.

It doesn’t text ahead or pencil itself into your Google Calendar.

One day you're grand, the next, at 3am you're googling “what does a heart attack feel like”

And it’s not just the big hitters — heart attacks, cancer, strokes — it’s the mental ones too: anxiety, burnout, depression.

The stuff your da used to call “being a bit soft” until he had that panic attack in SuperValu.

Here goes...

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?

When researching income protection, customers often ask us this question:

Will the insurance company help me to get back to work?

Here's the answer:

With so many different variations of insurance out there, I know it can get overwhelming.

Many of us think that we're good to go once we have health insurance.

But health insurance has a few sneaky limitations that might not seem like such a big deal until you're in the midst of a medical emergency.

Your No Bullshit Guide to Income Protection

Based on questions I have been asked over the years.

Enjoy!

It’s highly likely that when you were a smallie, your ma or your da told you that to be successful in life, you need to do well in school, get a good job, and work hard.

It’s not bad life advice, though it’s probably a little different now given that every eight-year-old wants to be a YouTuber.

Instead of working hard, all you gotta do to be a millionaire is make videos of you playing video games while screaming at your computer.

Keep it up, son, and someday you might be PewDiePie.

Income protection premiums can seem expensive especially compared to something like mortgage protection which is cheap as old chips.

Why does income protection cost more?

Well, simply because you're less likely to die during the term of your mortgage protection; the risk of you making a claim on income protection is much MUCH higher.

And if the insurer gets a whiff that they may have to pay out, they hike your premiums to cover their butt.

Fortunately, tax relief on your income protection can reduce your premiums by up to 40% making it a more attractive proposition.

If you're a small business owner, you want to know that if something horrific were to prevent you from working, that you and your family would be financially secure.

A long-term disability or income protection policy can help cover the costs of day to day living while you can focus on getting better without money worries.

But some business owners don't have income protection.

Why?