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Income Protection/Permanent Heath Insurance


Provides policyholders with replacement income up to the age of retirement in the event of accident, sickness or disability which prevents them being able to work.

Not to be confused with MPPI (mortgage payment protection insurance) or ASU (Accident, Sickness and Unemployment) Insurance provides replacement income usually between 12 and 24 months, and its focus is to cover the short-term effects of a sickness and accident unemployment.

Many employers provide some sort of short-term benefit in the event of sickness, and the State provides Incapacity Benefit, but neither option will offer much compensation if you are off sick beyond 4 weeks.

Income Protection will pay out a guaranteed level of income every month for the full term of the policy (potentially up to retirement age) provided your incapacity continues. The maximum monthly benefit payable is usually 65% of a person's annual income, less any benefits that they are entitled to from their employer or the state.

These types of policies can never be cancelled by the insurer .

Depending on the premium that you're prepared to pay, the monthly payments can be index-linked to that they keep pace with inflation and the rising cost of living.

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Income Protection is one of the most important insurances for families, and yet it remains one of the most over-looked.