Income Protection

Income Insurance, also known as income protection provides you with a replacement income if you cannot work as a result of an illness or injury after a certain period of time. You can take out income insurance if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed.


Cost depends on your Age, Income, health, occupation and the benefits you choose. Payments on your plan are eligible for tax relief at your marginal rate of tax.



It pays you a regular monthly income, replacing some of your earned income. Cover continues until the plan ends or you return to work.

Cover is limited to:
  • The maximum benefit payable is now €250,000, previously this was €150,000. Benefits paid are less any State benefits or other income protection plans.
  • The maximum benefits payable is 75% of total yearly earnings, less any State benefits or other income protection plans.

Customer Testimonials

See how income protection has helped our customers.

Life Care

New to our Life Insurance plans, LifeCare gives you and your family valuable access at no extra cost to expert assistance and services, many of which are available 24/7, 365 days a year. The services are as follows;

  • MedCare: a Medical Second Opinion service from MediGuide.
  • NurseCare: two confidential helpline services provided by Aria Assistance
  • And, ClaimsCare: care and counselling through dedicated claims experts and the Clanwilliam Institute.

Income Insurance Booklet

This booklet will give you details of the benefits available on the Income Insurance plan. It is designed as a guide that allows us to explain the product to you in short and simple terms.

Download Booklet

Contact Us
Irish Life Call: +353 (0)1 704 1010
Canada Life Call: 1850 203 203
Outside Ireland Call: 01 704 1740


Mon - Thurs: 8am to 8pm, Fri: 10am to 6pm, Sat: 9am to 1pm
Call In
Irish Life Visitor Centre
Lwr Abbey St
Dublin 1

Mon - Fri: 9am to 5pm

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Irish Life Financial Services ltd. is regulated by the Central Bank of Ireland. Irish Life Assurance plc. is regulated by the Central Bank of Ireland.
Irish Life Financial Services ltd and Irish Life Assurance plc Registered Office - Lower Abbey Street, PO Box 129, Freepost, Dublin 1. Phone: 01 704 2000, E-mail:
Irish Life Financial Services Registered Number 489221. Irish Life Assurance plc Registered Number 152576.
In the interest of customer service, we will record and monitor calls.