Income Protection
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Income Protection Insurance
Income Protection (also known as Permanent Health Insurance or PHI) provides you with a replacement income in the event that you are unable to work due to any accident, illness or disability.
When will the payment start?
The payment will commence once you have been disabled for a set period of time (known as the ‘deferred period’). These payments will continue until you have recovered and are fit to return to work, or until your chosen retirement age if you are unable to go back to work.
Protect A Lot More Than Your Income!
Statistics show that a 30 year old person is more likely to be off work due to an illness or injury for a long period, than to die before the age of 65.
We're here to guide your whole process
How much of your income can you replace?
What are the relevant deferred periods?
What is the difference between guaranteed and a reviewable plan?
What if my salary increases or decreases?
Is there tax relief on premiums?
Income Protection or Serious Illness cover?
You keep building the life you want. We'll protect it.
Received great service from the team at low. This is my 4th year with Low and my 3rd policy. I have been doing mortgage swap. All my requests and changes were catered for with efficiently and effectively. They got me the best price and handled all the administration. The gift voucher was a super touch. Thanks Laura and Andrea.
Muiris
Absolutely Brilliant -professional compassionate and a joy to work with. Look no further - use low.ie
Greg Hayes
Excellent customer care. Long lasting insurance application process (case not over yet) with many delays due to various reasons. Would it not be for Laura's knowledge on next best steps to take and diligent follow-ups all way through (with all parties involved), this case would be lasting much much longer. I recommend higher management to review this case as an example of true excellent customer care.
Tuulia