Would You Insure Your Income Like You Insure Your Car?
Most people have car insurance. But few protect the income that pays for it.
If you’re a working professional in Dublin, there’s a good chance you’ve ticked every financial box:
✅ Car insurance
✅ Mortgage or rent
✅ Health insurance
❌ Income protection?
Here’s the uncomfortable truth: your car, your home, even your health insurance—all rely on one thing.
Your ability to earn.
But what happens if you’re too ill or injured to work for 3 months… 6 months… or longer?
Think it won’t happen to you?
You’re healthy, right now. That’s great. But over 1 in 4 people will be out of work for more than 6 months at some point in their working lives due to illness or injury. And income protection doesn’t wait until you’re in crisis to work—it has to be set up before something happens.
Income protection is car insurance for your pay cheque.
- It pays you up to 75% of your income if you can’t work due to illness or injury.
- It’s tax-deductible.
- It continues to pay out for as long as you’re out of work—right up to retirement age.
- It gives you breathing space instead of burnout.
Most people assume it’s expensive. It’s not.
A 35-year-old professional might pay less than the cost of a mobile phone plan.
See example below…
I’m Brian. I’ve been advising professionals for over 25 years.
You’re not getting a sales pitch. You’re getting straight answers, regulated advice, and clarity—so you can decide if this is right for you.
Want to see what cover you’d qualify for?
👇 Book a free 20-minute consultation now 👇
📅 book your free consultation online
No pressure. No cost. No jargon. Just useful advice you can act on.
Still unsure? Here’s what one client said:
“I put it off for years. Brian explained it in plain English and now I don’t know why I waited. It was easier and cheaper than I thought.”
— Sarah, Dublin-based tech professional
EXAMPLE:
A 35 year old, non-smoker, employed as an I.T. professional earning €75,000 a year.
If they are unable to do their own job as a result of some form of illness or injury, they would receive State disability benefit of €12,688 p.a. That’s quite a drop in earnings and most likely no where near enough to pay all of their bills. If you are self-employed, you will get nothing.
If this I.T. professional were to take out an income protection plan to make sure they were still able to pay their bills and cover any other costs, the figures are as follows:
They can cover up to 75% of their gross annual income (€75,000), less their State disability benefit (€12,688), so €75,000 * 75% = €56,250 – €12,688 = Maximum income protection benefit of €43,582.
An income protection plan covering this person for €43,582 would cost:
Gross monthly premium: 86.95
Less tax relief at 40%: 34.78
Net monthly premium: 52.17
Premiums for this policy vary from €52.17 per month to €66.71 per month. Is the more expensive one better? How do you know which one to pick? We know which one – And we’d welcome the opportunity to discuss this with you during a free, no-obligation chat about income protection cover.
With this policy, even if they were unable to work for a very long period of time, they would continue to have an income of €56,250 a year. That’s enough to keep their show on the road (another car comparison / pun).
You insure your car. You insure your phone. Isn’t your income worth it?
Click below to claim your free consultation before the week fills up.
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