Protection solutions for independent workers

When you run your own show, one setback can ripple through work, home, and those who rely on you. Protection planning helps manage life’s financial shocks and reduce the impact on your income and family. We work with you to structure suitable cover: income protection if you’re ill, life and serious illness cover for your family, mortgage protection for your home, and business protection to support ownership continuity. Combined with inheritance planning, this helps build long-term financial resilience so unexpected setbacks are easier to manage.

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Protection
Income Protection
Serious Illness
Life Protection
Mortgage Protection
Business Protection
Income Protection:

What is income protection?

Income protection is designed to provide a regular replacement income if illness or injury prevents you from working, after an agreed waiting period. Depending on the policy selected, benefits may continue until recovery, a defined end date, or retirement age.

It protects your ability to earn, which is often your most valuable asset.

Why it matters for independent professionals

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    When you don’t work, you usually don’t get paid
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    Mortgages, rent and bills still need to be paid
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    Cover can be structured for short- or long-term protection
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    Premiums may qualify for tax relief, subject to Revenue limits
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    Benefits are generally taxable
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Pro Tip: Your ability to earn is often your biggest asset. Protect it accordingly.

What is serious illness protection?

Serious illness protection provides a lump sum if you are diagnosed with a specified serious condition covered by the policy. It can help cover everyday living costs, family commitments and business expenses while you focus on recovery.

In many cases, benefits are paid tax-efficiently, but tax treatment depends on individual circumstances.

Why it matters for independent professionals

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    A serious diagnosis can disrupt both income and confidence
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    Medical, household and business costs often rise at the same time
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    A lump sum can provide breathing space during treatment and recovery
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    Cover can be reviewed as your work and family life change
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Pro Tip: Calculate your essential monthly costs, then multiply by 12. That’s a realistic starting point for serious illness cover.

Serious Illness Protection
Life Protection

What is life insurance?

Life insurance is designed to provide a lump sum to your family if you die during the policy term. It can help cover everyday living costs, outstanding loans and future expenses.

Tax treatment depends on individual circumstances.

Why it matters for independent professionals

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    Most independent workers do not have employer life cover
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    Family bills and commitments do not stop
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    Mortgages and loans still need to be repaid
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    Cover can be adjusted as your work and family life change
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Pro Tip: If someone depends on your income, life cover should be reviewed whenever your circumstances change.

What is mortgage protection?

Mortgage protection is life insurance designed to clear your mortgage if you die during the policy term. Some policies can include optional serious illness cover. Terms, conditions and exclusions apply.

Why it matters for independent professionals

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    It is usually required by Irish lenders for home loans
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    It helps protect your family home if the unexpected happens
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    Cover can be level or decreasing, depending on your mortgage
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    Policies can be set up for single or joint borrowers
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    Cover can be reviewed if you refinance or change your loan
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Pro Tip: Set your cover to match your mortgage term and balance, and never cancel an existing policy until the new one is fully in place.

Mortgage Protection:
Business Protection:

What is business protection?

Business protection helps safeguard the value of the business you’ve built if a founder, director, or key earner dies or becomes seriously ill. It can provide funding to help manage lost income, repay debts and deal with ownership changes in a planned way. It is commonly arranged through Key Person and/or Shareholder Protection, alongside legal agreements prepared with your solicitor.

Why it matters for independent professionals

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    Protects the value you’ve built if a founder, director, or key earner is lost
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    Helps keep control of the business within the intended group
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    Supports cashflow so salaries, suppliers and running costs are easier to manage
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    Provides funds to manage ownership changes in a structured way
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    Reduces pressure on families at an already difficult time
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Pro Tip: Write down who would run the business, who would own it, and how they would be funded if you were suddenly unavailable. If you can’t answer all three, review your protection.

Important information: Subject to underwriting, terms, conditions, and exclusions. Legal agreements are prepared with your solicitor.