Take the worry out of protection with an income protection review

Peace of Mind

Knowing your policy will pay out in the event of a claim. Also ensure after a career or salary change that you are covered correctly.

New benefits

Since you've taken your policy out, new free benefits may be available, such as free second medical opinions, therapies, physiotherapy etc.

It's free

Our service is free, why wait longer to review?

Income Protection

Protect your income and save up to 20%

Join our thousands of customers and start your income protection review today.

Types of Insurance

Other Financial Products we review - Saving you even more money.

Mortgage Protection

If you were provided Mortgage Protection by your lender, you could save significant amounts of money over the term of your policy.

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Mortgages

Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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Life Insurance

Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

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Serious Illness Protection

These policies are commonly overpriced and outdated. Providers now cover more illnesses, making recent policies much more comprehensive.

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Whole of Life Insurance

These policies are often "Reviewable" which means the premiums raise to a level that's unsustainable to maintain.

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Pensions

If you haven’t reviewed your Pension recently, you could receive less than you’re expecting on a monthly basis at retirement. Increasing your allocation rate by reducing fees and charges.

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About income protection

An Income Protection policy provides you with a replacement income, in the event you are unable to work due to an accident, sickness or disability, paying you up to 75% of your monthly income.


Income Protection – Also known as income Insurance provides you with a replacement source of income if you can’t work due to an illness or injury after a certain period of time. You can take out an income protection policy if you are in full-time work or self-employed and earn a wage.

It protects you only in these circumstances – it will not be paid if you are unemployed. You must keep up your payments to stay covered. You cannot include rental income or dividends.

Our quick and simple Income Protection review will only take 10 minutes.

Why choose SafeNET Financial?

maximize savings

If you haven’t had a recent review on your policy, you could unknowingly be paying too much on your insurance policy. Speak with one of our agents for a free review, and we could save you money today.

quality cover you can trust

After reviewing your current policy and understanding your personal and financial requirements, we will propose multiple policies in an easy to understand review, with our highlighted recommendation clearly outlining the benefits of switching.

explaining your cover

If you are unsure about any part of either your own policy or a proposed policy, Our fully qualified Insurance advisors will address your queries and guide you clearly through every step of the way.

WHAT DOES INCOME PROTECTION INCLUDE?

  • Guaranteed premium option available meaning the cost will never go up, even if you make a claim.
  • Pays up to 75% of your income, allowing you to financially support your loved ones when you are out of work.
  • During your deferred period, Income Protection pays a replacement daily income if you are in a hospital for more than seven days.
  • You can still maintain your Income Protection even if you move job, anywhere in the EU.
  • The cover can be increased every 3 years, by up to 20% of your original cover level, without further medical questions.

INCOME PROTECTION WOULD SUIT YOU IF -

  • You are 18-54 years old and in full-time employment or are self-employed.
  • You want to protect some of your income until you are 65 in case you cannot work because of illness or injury.
  • Want a product that pays you a regular income if you cannot work because of an illness or injury, after a certain amount of time (deferred period).
  • Want the option to top up your cover at a later date.
  • Want your cover to continue, no matter how many claims you make.
  • Want to take advantage of potential income tax relief.

HOW MANY TIMES CAN I CLAIM ON MY INCOME PROTECTION?

You can submit a claim on your Income protection policy as many times as you require income because you are out of work due to illness or injury, right up to the very end of the policy term.

DEFERRED PERIODS

The deferred periods for Income Protection are 4, 8, 13, 26 and 52 weeks. If you choose a 4 week deferred period, your income protection policy will start to pay out once you have been unable to work for 4 weeks due to injury or illness.

HOW DOES MY JOB AFFECT MY INCOME PROTECTION?

In regards to an Income Protection quote, your job is a deciding factor, as some occupations will not be covered due to the type of work. See below a list of classes and which class you might fall in to.

  • Class 1 – Office type environment for 75% or more of your day.
  • Class 2 – Doctor/Retail/Catering/Waiting Staff/Chef/Medical Practitioner/Salesperson
  • Class 3 – Education/Nurse/Surgeon/Dentist/Carer/Social Worker/Teacher.

Please note that these are subject to change depending on the Income Protection provider. For example – Taxi drivers were previously unable to take out an Income Protection policy, but recently Royal London has accepted them.

WHY WOULD I NEED INCOME PROTECTION IF I’M YOUNG AND HEALTHY?

If you’re currently 35 years old, there’s a one in six chance you’ll be out of work for 6 months in your career. Would your bills be covered? Could you pay your mortgage or rent for those six months?

It isn’t just illness you need to keep in mind, accidents can happen – in the form of traffic accidents or slipping and putting your back out. You need to have something in place just in case your wages were to stop.

WHAT’S NEXT?

Request a review with us online by clicking the Income Protection button in the form below, or call us on 057-86-01248 for a full free independent review.

Request a Full financial review

    Request a Whole of Life Insurance review

      Request a Life Insurance review

        Request a Mortgage Protection review

          Request an Income Protection review

            Request a Serious Illness Protection review

              Request a Mortgage review

                Request a Pension, Savings & Investment review.

                  jacinta
                  Jacinta O'Keeffe Positive: Professionalism

                  "I would tick all of the above boxes when rating Safenet Financial. It was a pleasure doing business with Jason and we would highly recommend this company."

                  Debbie Westfall

                  "Any questions I had were either answered on the spot or checked for me and researched which put my mind at ease."

                    What happens if...

                    That's no problem. We can give you a template "Letter of authority" Which you sign and send to the provider, this will give us access to any details required to review.

                    Your policy will be deducted monthly from your bank account. alternatively, if you have your policy number (This will be on your policy documents); You can call your provider and quote your policy number. The provider will disclose any information you require.

                    Your employment contract will contain all policies that come with your employment. Alternatively, you could ask your administration/hr department.