Protect Your Income
Who pays the mortgage if you can’t work?
Income protection ensures you can keep living life, even if illness or injury puts your work on pause.
Why It Matters
The Risk You Might Be Overlooking
Think about it: your home, car, savings, holidays, they all depend on your ability to earn. But what happens if you get sick or injured and can’t work?
We insure our phones. Our pets. Our travel. But most people forget to insure the one thing that pays for everything else.
Without income protection, many people face:
Missed mortgage or rent payments
Struggles covering childcare or school fees
Reliance on savings that run out fast
Stress and uncertainty during recovery
Income Protection gives you breathing room, so you can focus on getting better, not worrying about bills.
How It Works
Simple, powerful protection tailored to your life.
Cover Up to 75% of Your Income
If you can’t work due to illness or injury, your policy can replace up to 75% of your pre-tax income, giving you the financial breathing room to recover without panic.
Protection for Physical & Mental Health
From broken bones to burnout, income protection covers a wide range of medical conditions, including both physical and mental health challenges.
You Choose the Waiting Period
Payments don’t start instantly, and that’s a good thing. You can choose a deferred period (e.g. 4, 8, 13 or 26 weeks) based on your savings or sick pay, to lower your premium.
Tax-Relief Friendly
Most people qualify for up to 40% tax relief on premiums, making this one of the most cost-effective protections you can put in place, especially if you're self-employed.
Support That Lasts
Income protection continues until you’re well enough to return to work, reach retirement age, or hit the benefit limit, whichever comes first. It’s long-term cover, not a quick fix.
Who It’s For
Self-employed professionals with no sick pay safety net
Company directors with dependents or high fixed expenses
Families relying on a single income
Employees whose workplace only covers short-term illness
Anyone who wants peace of mind that their lifestyle is protected
Why Choose Blue Chair
We're not just ticking boxes. At Blue Chair, we:
Take time to understand your life and obligations
Compare top providers to find the most suitable policy
Explain everything clearly, no jargon, no pressure
Help you set realistic benefit levels and deferment periods
Ensure it aligns with your tax setup and long-term plans
We’re fully regulated by the Central Bank of Ireland and committed to advice that puts your goals first.
Whatever your financial need, take the first step by arranging a quick chat with one of our experienced advisors.
Arrange a quick call at a time that suits below, email us at info@bluechairbroker.ie or call us anytime on +35315581969