Personal Income Protection


Personal Income Protection is for the self employed or those who are in a job that doesn’t provide an income protection plan and want to set up a policy independently of their employer.

This will pay out a regular cash payment that replaces part of your lost income if you cannot work due to a medium to long-term illness or disability.


Tax Relief:

With Personal Income Protection you can get tax relief at your marginal rate on the premiums you pay. 

Claiming tax relief is really important as it reduces the cost to you by the rate you pay tax at – so either 20% or 40%. For example, if you are a higher rate tax payer, a monthly premium of €50 would effectively only cost you €30 as you would claim tax relief at 40%.

Income Protection

Understand your policy

As there are many options to this policy, it is important that you speak with a Smart financial adviser to make sure that you fully understand the policy and that you avail of the right type of cover that suits your requirements.


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e.g. €40,000
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