Personal Income Protection

Personal Income Protection Insurance is for the self-employed or those (in employment) who are setting 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 is available at your marginal rate of tax on premiums paid. In the event of a claim, the insurance company will pay your benefit directly to you, net of tax, USC etc.

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
Select 'Smoker' if you have smoked tobacco products in the last 12 months.
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