Income Protection

How will you pay the bills if your income stops

Your ability to earn an income is your most valuable asset. Without it, unfortunately, everything stops.

Your income pays for your mortgage, your car, your bills, and everything around you. That’s why it makes so much sense to protect it.

Income protection is an insurance policy that can cover up to 75% of your normal income should something happen to prevent you from working as usual. It covers any injury, illness or accident and the policy benefits can be tailored to work alongside your employer’s sick pay benefits, if any.

We believe that income protection is one of the most important kinds of insurance cover you can have, especially if you are self-employed. That’s because a self-employed person cannot claim social welfare payments should they become unable to work due to an illness or injury. It’s unfair, we know, but we have to work within those rules.

Gallivan Financial will find the right income protection plan for you and your circumstances. The policy will pay you a specific percentage of your income if you become unable to work due to accident or illness and continue to pay you until you return to work or you reach the agreed retirement age. You can cover up to a maximum of 75% of your salary, less the state disability benefit if you are entitled to it.

Your income protection premiums have full income tax relief which tells us that the government is encouraging people to take out these policies.

Why Gallivan Financial?

We take a personal approach to your financial security and ambitions. We discuss income protection in plain English while keeping everything relevant and easy to understand. The better we know you, the better understanding we will have in assisting you to achieve your financial need. Using our skills and expertise to get guide you to the most suitable income protection plan. Providing peace of mind and security along the way.

Testimonials

Michael and Fiona Brassil
Ballinasloe, Co Galway
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“Fiona and I are very happy to recommend Gallivan Financial. We find the service excellent. In particular you have personally guided us financially during many years of a busy work life. Your in-depth knowledge of personal fund thresholds and pensions has insured a smooth transition into retirement for us. The personal service you provide for us is first class.”

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