Monthly Archives: January 2018

Income Protection Insurance – Compare Quotes – Ireland, income protection insurance quote.#Income #protection #insurance #quote

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Income Protection

Income Protection is designed to help replace your income due to any illness, accident, or injury preventing you from being able to work, for a prolonged period. Our on-line quote calculators provide the cheapest instant market comparison quotes in Ireland.

Income protection insurance quote Income protection insurance quote

Income protection insurance quote

Income protection insurance quote

Income protection insurance quote

  1. Claim payments only start after a waiting period. For best value, opt for a 13 week deferred period and ensure that you have sufficient savings to cover the waiting (deferred) period.
  2. If self-employed or an owner director, you will not get state benefits if you fall ill and can’t work.
  3. Remember the premium payments are eligible for full income tax relief, so consider covering your pension contributions, as well as your salary.

Compare Income Protection Insurance

We Make it Simple

At OneQuote.ie, we make arranging your Income Protection Insurance simple and more affordable.

We instantly compare policies from all of Ireland s leading income protection providers including; Friends First, Irish Life, New Ireland, Aviva and Royal London and then apply discount, to guarantee you the best coverage and lowest priced income protection policy available.

Our unique quotation system, will automatically calculate your maximum cover level, based on your occupation and annual salary and you can choose between fixed, or reviewable premiums.

Income Protection Features, Facts and Figures

Features of Income Protection

  • Pays up to 75% of your usual income, allowing you to continue to take care of your loved ones;
  • Has a guaranteed level premium option which means the cost will never go up, even if you make a claim;
  • Premiums qualify for Tax Relief;
  • Pays a daily replacement income, if you are in hospital for more than seven days during your deferred period;
  • If can maintain cover even if you move job, anywhere within the EU;
  • Cover can be increased every 3 years, by up to 20% of your original cover level, without further medical medical information.

Income Protection Facts Figures

  • One in three people in Ireland will develop cancer during their lifetime (Irish Cancer Society, 2013).
  • An estimated 30,000 people are living in the community with disabilities as a result of a stroke (Irish Heart Foundation, 2013).
  • Friends First, Ireland s largest inocme protection provider, paid out over €36 million in Income Protection claims in 2016.

With medical advances, people are more likely to survive serious illnesses but, this means that more people are likely to take prolonged periods off work for treatment and recovery. This could have a huge impact on their ability to earn. Could you continue to pay these bills if, you lost your regular income? If the answer is no, you need income protection insurance.

Different Types of Income Protection

Two kinds of income protection exist Personal Income Protection and Executive Income Protection, the only real differences are that with Executive Income Protection, the company rather than the individual pays the premium and receives the benefits to pass on to the insured employee.

Also, under the Personal Income Protection category, there are are 2 further options known as: Wage Protector and Mortgage Income Protection, these are outlined in more detail further on.

Other benefits include rehabilitation assistance, relapse benefit, partial benefit, home-visits with independent qualified nurses or professionals, return to work support, and career change guidance.

Your occupation is very important as not all occupations are covered; particularly occupations that have a degree of occupational risk, e.g. working with hazardous materials, at certain heights, or working in confined spaces.

Below is a basic guide, that will give you a good idea of what class your occupation falls into. If your occupation does not feature on our website, please contact us so we can confirm if you are eligible to apply for Income Protection.

White collar occupations: no appreciable accident or health risk. These occupations will usually be office based. Examples include: Accountants, GP’s, IT Consultant, Solicitors, Administrators etc.

Mainly white collar and predominantly administrative. Driving may be involved. Examples include: Childcare Worker, Dentist, Sales Rep etc.

Skilled occupations, which may involve light manual duties but heavy lifting is rare. Examples include: Interior Decorators, Foremen, Electrical Engineers and Nurses etc.

Skilled tradespersons, working on construction sites using light power tools. Examples include Carpenters and Plumbers.

Income Protection Wage Protector for higher risk occupations

Wage Protector

When it comes to occupations that involve manual work, the risk of making an income protection claim is higher, so as a result the premiums are higher. So, if you are a tradesperson, or your job involves manual duties, a cheaper version of income protection exists known as wage protector.

With wage protector your cover kicks in after your chosen deferred period and pays you a replacement income for up to 2 years, if you are unable to do your own job. This gives you an opportunity to get back on your feet, or prepare for an alternative job.

After this initial period, depending on your circumstances, full long term payment may apply, if you are unable to return to any work due, to your significant illness, or injury and continue to suffer a loss of earnings as a result. Once 2 years payments have elapsed, you must pass a Functional Assessment Test to qualify for this cover. This is a straightforward set of physical and mental ability tests.

If you need more information on wage protector, enquire here, or call us on: 1890 727 111.

Income Protection Mortgage Protector to protect your mortgage repayments

Mortgage Protector

Mortgage Protector is a form of income protection, designed to specifically cover your regular mortgage loan repayments, if you were out of work due to an illness, or disability. It differs from regular income protection, in that the cover amount relates to your mortgage repayments, rather than your regular income and it is set up for the term of your mortgage, rather than to your normal retirement age.

If you need more information on Mortgage Protection, enquire here, or call us on: 1890 727 111.


Isa fund tips: best UK income funds, fixed income funds.#Fixed #income #funds

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Isa fund tips: best UK income funds

I ncome remains the priority for many investors, whether they need dividends to help fund their living expenses or because these regular cash payments are reinvested to bolster returns.

This helps to explain the enduring popularity of UK equity income funds, which are regularly the bestselling fund sector among small investors.

The most popular equity income funds and investment trusts hold many billions of investors’ money and are run by the some of the most famous fund managers.

They have rewarded investors’ faith over the years with performance that beats the wider range of funds. The average equity income fund has returned 8pc a year over the past five years, against 6.5pc for the average UK fund, according to Morningstar, the fund analyst.

The picture is not entirely rosy, however. Some of Britain’s largest companies, which have provided the bulk of dividends over the years, particularly banks, miners and oil companies, have been buffeted by headwinds in the global economy.

Some have cut their dividends and others are fighting rumours that they will soon have to follow suit.

This has made the job of equity income fund managers harder. They have had to look further afield for dividends and, in some cases, have started to fall short of the industry definition of an equity income fund – one that produces a yield 10pc higher than that of the FTSE All Share index.

T he Investment Association, which oversees fund sectors, may even change the definition to take into account the new reality for dividends.

There may be a brighter side to the uncertainty that equity income investors face.

Many investment trusts, which are structured differently from ordinary funds, have begun to trade at a discount, meaning that the price of their shares, which investors buy to invest in a trust, has fallen below the value of the assets they hold.

Some have increased the income they pay to investors every year for several decades. City of London, which boasts the longest record, has said it will increase its dividend for the 50th year in a row in 2016.

Here we update readers on our pick of the best equity income funds, selected with the help of experts on the basis of their performance and record for producing reliable income, rain or shine.

The five-year return of the average UK income fund is 54pc, turning £10,000 into £15,400. The FTSE All Share has risen by 39pc over the same period.

Five-year return of average UK income fund (chart below): 54pc (red line in chart below) turning £10,000 into £15,400. The FTSE All Share (blue line) is up 39pc over the same period.

Woodford UK Equity Income

M anaged by one of Britain’s best performing stock pickers Neil Woodford, who during his 26 years as a fund manager at Invesco Perpetual consistently beat peers and the stock market. Mr Woodford only launched his new fund in 2014 but has quickly become the most popular fund with the majority of brokers.

Annual charge: 0.75pc, via C share class

Return since launch: 20pc

Historic yield (based on previous 12 months): 3.6pc

Threadneedle UK Equity Alpha Income

Described as safe and steady by experts, this fund buys reliable UK blue-chip shares, such as drug firms GlaxoSmithKline and AstraZeneca, that consistently increase payouts to shareholders year after year.

Charge: 0.88pc, via Z share class

Five-year return: 61pc.

Rathbone Income

A fund that fell like a stone during the financial crisis, but is now back on form. Performance has improved after manager Carl Stick turned more conservative. He buys shares in firms that have a lot of cash on their balance sheets.

Charge: 0.81pc, via I share class

Five-year return: 63pc.

Ardevora UK Income

The funds invests in shares of companies that pay high levels of income and is run by Jeremy Lang and William Pattisson, very experienced managers who have evolved their own distinctive approach based on behavioural psycology.

That the fund is relatively small is also a bonus, as it can hold significant stakes in companies of all sizes.

This could prove a valuable benefit if the dividends from the giant payers in the FTSE 100 dry up.

Charge: 0.92pc, via C share class

Five-year return: 77pc.

Standard Life Equity Income Trust

This portfolio is managed by Thomas Moore. There is a unit trust version but the investment trust offers the possibility of a discount, currently 1.4pc. It invests in firms of all sizes and only a third of its money is in FTSE 100 companies, which creates the chance of stronger growth.

Five-year return: 64pc.

City of London investment trust

Given its track record of increasing dividend payments for the past 49 consecutive years, this investment trust is arguably the best long-term option on our list. Viewed as suitable for conservative savers. It is cheap, costing 0.44pc and has traded at rare discounts in recent months, although currently the shares at a 1.4pc premium.

Charge: 0.44pc (no share classes for investment trusts)

Five-year return: 58pc

Lowland Investment Trust

The highly regarded manager, James Henderson, has been in charge since 1990, growing dividends most years. The fund takes brave punts, shopping for shares outside the FTSE 100 index. Lowlands is currently available at a 4pc discount.

Five-year return: 76pc

Finsbury Growth Income Investment Trust

This trust is run by one of Britain’s shrewdest share pickers, Nick Train. Mr Train holds 20 shares, a far smaller number than most funds, and favours big brands or owners of intellectual property. The top holdings include the iconic luxury brand Burberry and the London Stock Exchange. Shares are currently at par with the value of assets.

Five-year return: 100pc.

‘Intelligent’ income index trackers

A lower-cost option is one of the new breed of “smart” tracker funds. These apply a sophisticated screen to pick a basket of companies. Some aim to find companies with reliable dividends. These are exchange-traded funds, which you buy and sell like shares.

One option is the SPDR S P UK Dividend Aristocrats ETF, which aims to track the performance of the 30 highest-yielding UK shares that also increased or maintained their dividends for at least 10 consecutive years. It yields 3.9pc and costs 0.3pc.


Income Tax Filling Online, E-filling Taxes Online for Fast Tax Refund, income tax filling.#Income #tax

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Income Tax Filling Online, E-filling Taxes Online for Fast Tax Refund.

Income tax filling

Income tax filling

Do Your Taxes the Easy Way H R Block Online is the fast, safe, and secure way to prepare and e-file taxes online!The average return is completed and filed in 30 minutes and our USA-based customer support is standing by to help you along the way.

  • Free Federal Return
  • Answer Simple Questions
  • Guaranteed 100% Accuracy
  • Maximum Refund Guaranteed

Get Tax ID Number and Tax Return Copy

Income tax filling

Need a Copy of Past Tax Return?

Income tax filling

Make Tax Filing Easier

When tax time comes around, do you dig frantically through piles of papers looking for the documentation you need to prepare your tax returns? Are you unsure about which records you should keep and which ones you can safely throw away?

Not only does having organized records make it easier and less frustrating for you to file your tax return, it also enables you to explain an item on your return that the IRS might question, and could prevent you from having to pay additional taxes and penalties for unsubstantiated items.

Your checkbook can help you remember income and expenses that should be reported on your Tax Returns, but the checkbook and cancelled checks alone aren’t sufficient documentation to prove the deductibility of an expense.

  • Form W-2 and 1099
  • Bank statements
  • Brokerage and mutual fund statements
  • Form K-1 (for partnerships)
  • Sales slips
  • Invoices
  • Credit card receipts
  • Canceled checks or other proof of payment
  • Home purchase and sales agreements, closing statements, and insurance records

Source: taxtime.about.com

Filing Your Tax Return

According to federal and most state laws, if you made some sort of an income last year, than you must file an income tax return. Income tax returns are required regardless if you had income tax withheld or not; while all businesses except partnerships must file an annual tax return. For the individual, when determining whether you must file or not, the IRS takes into account your income, filing status, and age.

Keep in mind that one of the most important things when filing your federal or Statetax return, if filing by mail, is remembering to sign it. In some cases you may need to get a hold of your previously filed tax return. You can obtain this information in a written request to the IRS.

It is extremely important to file an income tax return. There are several non-profit organizations with trained volunteers who provide basic income tax return preparation and free tax counseling for senior citizens. If you need help, contact the IRS or a tax service. Tax returns leave no room for mistake.

Who benefits from Efilling?

* Taxpayers filed more than 9,100,000 returns from their home computers. This is a 34% increase over the total for all of 2001.

* The IRS has processed over 77,000,000 refunds worth $150,000,000,000. That’s a record average of $1,937.

* About 36,500,000 taxpayers used direct deposit for their Tax Refund. Only 34% used it in all of 2001.You can calculate your refund with Tax Refund Estimator.

E-Filling Federal Income Tax Return Online.

Income Tax Return Filling Online

Does this sound too good to be true? Actually, it’s a very real, economical, and secure way of getting your taxes done without most of the hassles you’ve dealt with in the past. Your biggest part in the process is gathering the tax documents you need in order to enter the information into the program as required. That doesn’t mean that you have no responsibility; it just means that you don’t have to do the math or pore over the 1040EZ tax tables or wonder if you’ve missed any deductions.

Paying Late is Better than Filling Late

Failure to Pay Penalty

IRS Tax Help – Federal Income Tax Preparation.

Tax Return , but filing taxes online can be very complicated process. When you are looking for website which is providing IRS information with Tax help, there are many to choose from. But your goal should be to find out a web site which provides clear information regarding how to Prepare your Free Income Tax Online, and to maximize your income tax deductions for which you may be entitle to.

Online Tax Return Preparation and Tax Filling to IRS.

Conventional Way for Tax Filing.

The process of filing taxes online is simple and trouble free. The customer first prepares his tax papers personally or approaches professional tax consultants to do so on his behalf. After the tax papers have been prepared they can be effortlessly filed through an IRS e-file provider. Filing can be done online as well, but if an individual is not sure about the mechanics, it is better to seek professional guidance. Usually most tax experts will be licensed IRS e-file providers. The relevant documents are signed and retained by the customer for future reference. The IRS e-file provider then files the returns electronically on the behalf of the customers. Next, the IRS e-file provider sends the customer an acknowledgement mentioning the current status of the filing process.

Online filing eliminates the need for going through tiring steps of rushing to the local IRS offices and post offices and waiting in never ending queues to post the papers before the due date. Office hopping has been completely eliminated. The only thing required is a reliable computer and Internet connection. Mistakes and errors can be corrected online in comparatively less time. Online tax filing has reduced the time gap prior to receiving tax refunds and papers can be printed to maintain precise records for future reference. Online tax filing also facilitates tax payments using credit cards. It has reduced back office processing time considerably.

Join the millions of people who have discovered how easy, online tax filing can be. The cost will be much less, your tax forms will get to the IRS with no hand-written errors, and you’ll get your Tax Refund

in as little as 10 days .

Disclosure Policy

This blog is a sponsored blog created or supported by a company, organization or group of organizations. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post may not always be identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

The owner(s) of this blog would like to disclose the following existing relationships. We are working as an Affiliate with TaxBrain. And in return they give us a Commission.


Free Tax Return Preparation for You by Volunteers, Internal Revenue Service, free income tax preparation.#Free

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Free Tax Return Preparation for Qualifying Taxpayers

The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $54,000 or less, persons with disabilities and limited English speaking taxpayers who need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals.

In addition to VITA, the Tax Counseling for the Elderly (TCE) program offers free tax help for all taxpayers, particularly those who are 60 years of age and older, specializing in questions about pensions and retirement-related issues unique to seniors. The IRS-certified volunteers who provide tax counseling are often retired individuals associated with non-profit organizations that receive grants from the IRS.

Before going to a VITA or TCE site, see Publication 3676-B for services provided and check out the What to Bring page to ensure you have all the required documents and information our volunteers will need to help you. *Note: available services can vary at each site due to the availability of volunteers certified with the tax law expertise required for your return.

Some VITA sites offer CAA service to taxpayers along with their VITA program.

Find a VITA or TCE Site Near You

VITA and TCE sites are generally located at community and neighborhood centers, libraries, schools, shopping malls and other convenient locations across the country. To locate the nearest VITA or TCE site near you, use the VITA Locator Tool or call 800-906-9887.

When looking for a TCE site keep in mind that a majority of the TCE sites are operated by the AARP Foundation’s Tax Aide program. To locate the nearest AARP TCE Tax-Aide site between January and April use the AARP Site Locator Tool or call 888-227-7669.

At select tax sites, taxpayers also have an option to prepare their own basic federal and state tax return for free using Web-based tax preparation software with an IRS-certified volunteer to help guide you through the process. This option is only available at locations that list “Self-Prep” in the site listing.


Fixed income funds – Fund centre, fixed income fund.#Fixed #income #fund

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Fixed income funds

Aberdeen’s fixed income process has been in place for more than 20 years. It is based on four key beliefs:

  • We believe team-based decisions have distinct advantages over decisions made by individuals, by drawing on the diverse, complementary skills of the members.
  • We strongly believe in our independent, fundamental research, which is essential for active managers to exploit market inefficiencies.
  • We focus on longer-term cyclical and structural investment themes to uncover outperformance opportunities; we are investors and not traders.
  • Our risk management ethos is entrenched in our investment process, our team structure, our diversified strategies and our investment horizon.
  • Prices from fund inception date
  • Unit Pricing Policy

Please click on the Fund names below for more information.

Price as at 13-Nov-2017

Footnotes – Fixed

* Prior to 1 April 2017 the Fund was known as the Aberdeen Income-Focused Bond Fund

© Aberdeen Asset Management

Privacy and Cookies Policy

The attention of users is drawn to Aberdeen’s Privacy and Cookies Policy which includes details on the use of performance, identification and targeting cookies (both our own and third parties) to enhance the functionality of the website, to enable the Group to monitor usage and to assist with future communications. By continuing to use this site users will be deemed to have accepted this policy and the use of cookies for these limited purposes only.

This website contains information about Aberdeen Asset Management Limited ABN 59 002 123 364 and the registered managed investment schemes which it operates/manages. Aberdeen Asset Management Limited holds Australian Financial Services Licence number 240263. The information and products contained within this website are restricted to investors within Australia and New Zealand (for certain funds). There are important legal and regulatory restrictions which you are advised to read. Please see the Disclaimer.

The information contained in this website does not constitute an offer of, or an invitation to apply for securities in any jurisdiction where such an offer or invitation is unlawful, or in which the person making such an offer is not qualified to do so. We accept no responsibility for the content of any external website.


DOR: File Your Taxes for FREE, free e filing.#Free #e #filing

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File Your Taxes for FREE!

March 8, 2013 – TaxTalk Blog

Looking for a simple way to do your taxes? Trying to save time and money? The answer is INfreefile, and it’s available at www.freefile.dor.in.gov/.

Indiana continues to offer a free tax filing service through INfreefile, a cooperative effort with the national Free File Alliance and the IRS. Eligible Indiana taxpayers can file both the federal and Indiana individual tax returns using highly interactive and easy-to-use web-based applications that speed both returns and refunds.

If your adjusted gross income (AGI) was $57,000 or less during 2012, INfreefile can offer you free federal and state tax filing online. All you have to do is click the vendor of their choice and complete your tax returns online. It’s that simple!

This year, there are seven vendors that create an easy and more secure way to file taxes online. The vendors participating in INfreefile include 1040 Now, H R Block, OLT OnLine Taxes, Tax Act, Tax Hawk, Taxslayer and Turbo Tax.

Why file electronically you may ask? Because there are so many advantages to electronically filing:

  • Faster refunds—e-filed returns are processed in less than 2 weeks, while a paper return can take up to 10 weeks
  • Better security—fewer people see your information
  • Get more or pay less—e-filing software may suggest credits and deductions you might not have known about
  • Better accuracy—electronic returns have a 2% error rate versus 20% for paper returns

Still not sure about INfreefile? Then check the department’s latest video about INfreefile at www.in.gov/dor/4811.htm.

If you have any questions specific to your return, please contact the department at (317) 232-2240 or contact us online at www.in.gov/dor/3392.htm.

If you would like to submit a question or topic suggestions, please send them to [email protected]

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E-File: Electronic Filing for Income Tax Returns, free e filing.#Free #e #filing

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E-File Income Tax Return

Free e filing

E-File is the term for electronic filing or sending your income tax return from tax software via the Internet to the IRS or state tax authority. It s simple and efficient and has become increasingly popular since it was introduced nationally in 1990. In 2016, nearly 90 percent of federal taxes were filed electronically.

E-filing is safe! Filing your taxes electronically is actually more secure than snail-mailing your filing to the IRS.

There is less chance that the data contained within your tax documents will be compromised, as it s encrypted when sent electronically.

The Many Benefits of E-Filing Your Taxes

The benefits of filing taxes electronically over mailing in your return are numerous. From convenience to speed to accuracy, e-filing has become the most popular way to file for American taxpayers, and with good reason.

  • Easy: With e-filing, you can file your taxes from anywhere, including the comfort of your own couch. Tax data can be sent any time before the deadline, day or night, according to your own schedule. All popular tax software programs have e-file options, and there are even apps, such as TurboTax SnapTax, that allow you to file directly from your smartphone. The IRS also has an official app, IRS2GO, which allows you to track your tax filings once they ve been submitted.
  • Faster: When you file electronically, you don t have to bother with making copies, purchasing stamps or heading to the post office. Once the documents are ready, you simply click a button on your computer to send them directly to the IRS. Also, the IRS processes electronically submitted taxes more quickly, usually within three weeks. Any refunds can be deposited directly into your preferred bank account, meaning you get your money back more quickly.
  • More Accurate: Because the tax software programs do the math for you, the chance of a mathematical error on your returns is greatly reduced.
  • Higher Refunds: Many online filers report that it s easier to take advantage of tax credits and tax deductions when they e-file. This may lead to higher refunds or lower tax bills.
  • Cheaper: Because e-filling simplifies the tax preparation process, you may be able to forego hiring an accountant or tax service to prepare your taxes for you. This could save you $100 or more. Invest in a good tax software program and you ll be on your way to savings. Additionally, e-filed returns cost 20 times less to process compared to a paper return, which saves taxpayers a lot of money.
  • Maintain Your Tax History: E-filing allows you to keep an ongoing record of all your returns. No more digging through files to locate your tax returns from three years ago. Having your tax history at your fingertips can also make forward financial planning easier.

Given the ease and accuracy of electronic filing, it s no surprise that it s become so popular. E-filing can be done from a number of desktop or online tax software titles, and there is free tax software that includes federal e-File.


Compare Income Protection Insurance With MoneySuperMarket, income protection insurance uk.#Income #protection #insurance #uk

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Income Protection Insurance

From over 70 products

Keeping your mortgage, loan or monthly income safe is important – could you manage to keep up payments

if you are off sick or lose your job? Get a free Income Protection quote with no obligation – today!

An introduction to income protection

What are the different types of Income Protection?

At it’s highest level, there are two types of Income protection policy: 1) Short-term Income Protection policies, which are otherwise known as Accident, Sickness and Unemployment (ASU) products, will generally only pay out for one or two years; 2) Long term Income Protection, these will usually provide a regular income if you are unable to work due to illness or disability until you are well enough to return to work, or until the end of the policy term.

Short Term Income Protection

There are many different Accident Sickness and Unemployment policies available, including Payment Protection Insurance (aka PPI) and Mortgage Payment Protection Insurance (aka MPPI). Payment Protection Insurance for example, usually meets the cost of a specific debt, preventing you from defaulting. Mortgage Payment Protection Insurance will cover the cost of mortgage payments for a specified time. Many Short Term Income Protection policies do not need to cover a specific debt; they can simply be used to fund your lifestyle in the event that you lose your income. You can compare policies on our Payment Protection and Mortgage Payment Protection Insurance services or if you’d like more information see our Accident Sickness and Unemployment guide.

Long Term Income Protection

Long term Income Protection, however, will usually provide a regular income if you are unable to work due to illness or disability until you are well enough to return to work, or until the end of the policy term. Unlike most Short Term Income Protection policies it will generally not cover you if you are made unemployed or redundant. When choosing Long Term Income Protection cover, make sure you know exactly which kind of plan you are buying as there are commonly two types, ‘own occupation’ and ‘working tasks’.

For more information on Short Term and Long Term Income Protection, see our income protection insurance guide.

When you’re looking for income protection insurance, we want to show you as many insurers as possible, so you can choose what suits you best. We can’t promise to show you every single insurer, because some don’t want to be included on comparison websites. We list your quotes from cheapest monthly payment to the most expensive. You can find out more about how we work here.


Income Protection Insurance – Compare Quotes – Ireland, income protection insurance quote.#Income #protection #insurance #quote

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Income Protection

Income Protection is designed to help replace your income due to any illness, accident, or injury preventing you from being able to work, for a prolonged period. Our on-line quote calculators provide the cheapest instant market comparison quotes in Ireland.

Income protection insurance quote Income protection insurance quote

Income protection insurance quote

Income protection insurance quote

Income protection insurance quote

  1. Claim payments only start after a waiting period. For best value, opt for a 13 week deferred period and ensure that you have sufficient savings to cover the waiting (deferred) period.
  2. If self-employed or an owner director, you will not get state benefits if you fall ill and can’t work.
  3. Remember the premium payments are eligible for full income tax relief, so consider covering your pension contributions, as well as your salary.

Compare Income Protection Insurance

We Make it Simple

At OneQuote.ie, we make arranging your Income Protection Insurance simple and more affordable.

We instantly compare policies from all of Ireland s leading income protection providers including; Friends First, Irish Life, New Ireland, Aviva and Royal London and then apply discount, to guarantee you the best coverage and lowest priced income protection policy available.

Our unique quotation system, will automatically calculate your maximum cover level, based on your occupation and annual salary and you can choose between fixed, or reviewable premiums.

Income Protection Features, Facts and Figures

Features of Income Protection

  • Pays up to 75% of your usual income, allowing you to continue to take care of your loved ones;
  • Has a guaranteed level premium option which means the cost will never go up, even if you make a claim;
  • Premiums qualify for Tax Relief;
  • Pays a daily replacement income, if you are in hospital for more than seven days during your deferred period;
  • If can maintain cover even if you move job, anywhere within the EU;
  • Cover can be increased every 3 years, by up to 20% of your original cover level, without further medical medical information.

Income Protection Facts Figures

  • One in three people in Ireland will develop cancer during their lifetime (Irish Cancer Society, 2013).
  • An estimated 30,000 people are living in the community with disabilities as a result of a stroke (Irish Heart Foundation, 2013).
  • Friends First, Ireland s largest inocme protection provider, paid out over €36 million in Income Protection claims in 2016.

With medical advances, people are more likely to survive serious illnesses but, this means that more people are likely to take prolonged periods off work for treatment and recovery. This could have a huge impact on their ability to earn. Could you continue to pay these bills if, you lost your regular income? If the answer is no, you need income protection insurance.

Different Types of Income Protection

Two kinds of income protection exist Personal Income Protection and Executive Income Protection, the only real differences are that with Executive Income Protection, the company rather than the individual pays the premium and receives the benefits to pass on to the insured employee.

Also, under the Personal Income Protection category, there are are 2 further options known as: Wage Protector and Mortgage Income Protection, these are outlined in more detail further on.

Other benefits include rehabilitation assistance, relapse benefit, partial benefit, home-visits with independent qualified nurses or professionals, return to work support, and career change guidance.

Your occupation is very important as not all occupations are covered; particularly occupations that have a degree of occupational risk, e.g. working with hazardous materials, at certain heights, or working in confined spaces.

Below is a basic guide, that will give you a good idea of what class your occupation falls into. If your occupation does not feature on our website, please contact us so we can confirm if you are eligible to apply for Income Protection.

White collar occupations: no appreciable accident or health risk. These occupations will usually be office based. Examples include: Accountants, GP’s, IT Consultant, Solicitors, Administrators etc.

Mainly white collar and predominantly administrative. Driving may be involved. Examples include: Childcare Worker, Dentist, Sales Rep etc.

Skilled occupations, which may involve light manual duties but heavy lifting is rare. Examples include: Interior Decorators, Foremen, Electrical Engineers and Nurses etc.

Skilled tradespersons, working on construction sites using light power tools. Examples include Carpenters and Plumbers.

Income Protection Wage Protector for higher risk occupations

Wage Protector

When it comes to occupations that involve manual work, the risk of making an income protection claim is higher, so as a result the premiums are higher. So, if you are a tradesperson, or your job involves manual duties, a cheaper version of income protection exists known as wage protector.

With wage protector your cover kicks in after your chosen deferred period and pays you a replacement income for up to 2 years, if you are unable to do your own job. This gives you an opportunity to get back on your feet, or prepare for an alternative job.

After this initial period, depending on your circumstances, full long term payment may apply, if you are unable to return to any work due, to your significant illness, or injury and continue to suffer a loss of earnings as a result. Once 2 years payments have elapsed, you must pass a Functional Assessment Test to qualify for this cover. This is a straightforward set of physical and mental ability tests.

If you need more information on wage protector, enquire here, or call us on: 1890 727 111.

Income Protection Mortgage Protector to protect your mortgage repayments

Mortgage Protector

Mortgage Protector is a form of income protection, designed to specifically cover your regular mortgage loan repayments, if you were out of work due to an illness, or disability. It differs from regular income protection, in that the cover amount relates to your mortgage repayments, rather than your regular income and it is set up for the term of your mortgage, rather than to your normal retirement age.

If you need more information on Mortgage Protection, enquire here, or call us on: 1890 727 111.