• Personal Income Protection Policy
  
  This provides the perfect buffer if you’re employed or self-employed full-time. It will give you financial and practical support if illness or injury prevents you from working for a specified period of time. You can insure up to half your gross annual earnings and may also be able to receive State Incapacity Benefit on top.
  
  You will receive a monthly benefit as well as access to specialist medical advice and rehabilitation services. The cover will last until you can return to work, the chosen term ends or you die. And if your illness recurs within a year of returning to work, your cover will restart immediately.

• Essential Abilities Policy
  
  This is for people who don’t have a full time paid occupation or who perform a job or activity that can’t normally be covered by a standard income protection policy. It doesn’t look at your earnings or your ability to carry on working, instead it provides a regular monthly benefit (tax-free) if you suffer an illness or injury that means you are unable to perform a number of specified basic daily tasks.

For both types of policy you should review your level of cover regularly to keep it in line with your earnings or your needs, otherwise when you come to claim, your cover may be less than you need. You should also be aware that the tax-free treatment of these policies could change in the future.

The food that’s on your table,
that feeds your family,
that you share with your friends,
was bought with your most important asset.
Your income.