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If illness or injury stops you working, income protection pays a monthly income until you go back or the policy ends. Compare the main Irish insurers in two minutes, with tax relief on what you pay.
A senior advisor checks the benefit, the deferred period and the end age with you before anything is set up.
Income protection replaces part of your earnings while illness or injury keeps you out of work. The maximum benefit is usually 75% of your earnings before the illness, less other income you get while off, such as sick pay and the State Illness Benefit, whether you claim it or not.
Benefit is paid monthly after a waiting period, and continues until you return to work or the policy ends, often at 60 or 65. If you go back on reduced hours or lower pay, many plans pay a proportionate benefit to make up part of the difference.
Premiums on a Revenue approved income protection policy get income tax relief at your marginal rate, on premiums up to 10% of your total income. For a higher-rate taxpayer, a €100 monthly premium costs €60.
Your employer can give the relief through payroll, or Revenue adjusts your tax credits once you claim it in myAccount. There is no relief from PRSI or USC. Benefits are taxed as income when paid, under PAYE and USC.
The deferred period is how long you are off work before benefit starts. Insurers offer periods from 4 weeks to 52 weeks, and the longer the wait, the lower the premium. Match it to your sick pay: if your employer pays you for 13 weeks, a 13 week deferred period avoids paying for cover you do not need.
Your job sets your occupation class. Insurers group occupations into classes, and riskier work costs more. The definition of incapacity matters too. Royal London Ireland, for example, pays where you cannot perform the essential duties of your normal occupation. We compare both across insurers.
Options as published by each insurer, checked 7 October 2026. Your advisor confirms what is available for your occupation.
| Insurer | Deferred periods offered |
|---|---|
| Irish Life | 13, 26 or 52 weeks |
| New Ireland | 8, 13, 26 or 52 weeks |
| Royal London Ireland | 4, 8, 13, 26 or 52 weeks |
| Zurich | 1, 2, 3, 6 or 12 months |
Live prices from the main Irish insurers in two minutes.
Benefit, deferred period and end age agreed with your advisor.
Health and occupation questions gone through with you before you submit.
Your policy issues and we show you how to claim the tax relief.
Your advisor helps you through a claim if you need to make one.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Usually up to 75% of your earnings before the illness, less other income while you are off, including the State Illness Benefit. Each insurer also sets a maximum in euro.
Sick pay usually runs for a set time. Income protection starts when it stops. Set the deferred period to match and you pay only for the gap.
Many plans offer indexation. At Royal London Ireland, for example, cover rises by 3% a year and the premium by 3.5%.
Yes. Benefit from an approved policy is taxed as income under PAYE, with USC.
With no sick pay to fall back on, income protection matters more. Self-employed people can claim the tax relief on premiums too.
Executive income protection lets the company pay the premium for you. See our executive income protection page.
Checked 7 October 2026.
Two minutes online for live prices, then a senior advisor helps you set the cover.