Your responsibilities are growing

Life moves fast and your financial commitments keep growing

Call us on 091 784 440 for a quote today!

Maintain your quality of life

Income protection from Aviva helps you maintain your lifestyle by giving you a monthly income if illness or injury prevents you from working for a period of time, so you can concentrate on getting better.

Security

Protection of up to 75% of your total earnings.

Peace of mind

A guaranteed premium that cannot rise.1

Tax Savings

Tax relief on all premiums at 20% or 40%.

When life is going well, it’s easy to take money for granted. But just think about how you’d cope if your income suddenly dried up due to ill health or injury? The things you care about – your family’s lifestyle, your home, your children’s education – could be in jeopardy.

Practical protection designed for you

If you suddenly lose your ability to earn a living, you want a back-up plan that works when you need it most. That’s where we come in – with income protection cover that’s flexible, competitive and built to suit your lifestyle.

How to tailor your income protection cover

  • Choose the amount you get if you make a claim – you can go from €5,200 to €262,500 a year.
  • Select the length of your policy – cover can end between 55 - 70.
  • Pick your deferred period – that’s the time you wait before your policy pays a benefit. It can be 4, 8, 12, 26 or 52 weeks.
  • Decide if the money paid out should keep up with inflation.

Features of your Aviva income protection policy

Price

  • A guaranteed premium – once accepted, your premium won’t rise
  • A discount if you’re a non-smoker
  • A waiver on your premium while you’re getting your benefit
  • Tax relief on your premiums

Flexibility

  • Wide choice of deferred payment periods
  • Freedom to top up your policy to get additional cover
  • We provide a comprehensive claims service to help you get back to work

Security

  • Aviva covers all occupations on an “own occupation basis”
  • Cover is continued even if you change jobs

See all policy features

Aviva Care

With your protection policy you have access to the following services through our Aviva Care benefit:

  • Digital GP
  • Best Doctors Second Medical Opinion
  • Family Care Mental Health Support
  • Bereavement Support
Learn more about Aviva Care "Read more about Aviva Care"

Considering Income Protection

Your responsibilities are growing and so are your financial commitments, make sure you can keep up with them.

It may not matter what cover you have in place if you don't protect the one thing that pays for it all: your income.

Learn more about income protection "Read more about Have you got your protection the right way around?"

Manage your policies online

Avail of 24/7 access to view and manage your protection policy information.

Aviva Online Service Centre

  • View your policies
  • Update your details
  • Change bank details
  • Submit a query

Helping you get back to working life…

We know you’d rather be working. That’s why we do whatever we can to help you get back to a normal working life as soon as you can. After your claim has been approved, you can access these benefits:

Rehabilitation benefit

Proportionate benefit

Linked benefits

How our claims process works

We know this is a difficult time so we’ll deal with your claim as quickly and smoothly as possible.

Let us know what’s happened Step 1 of 0

Call us on 1800 159 159 or from mobile/abroad on 01 618 6621. Or you can email riskclaims@aviva.com.

We’re open Monday to Friday, 9am to 5pm.

Give us some details Step 2 of 0

We’ll need medical and financial evidence to assess your claim, along with the policy number and your contact details.

We get things sorted Step 3 of 0

Once we’ve processed your information and accepted your claim, we pay you a monthly benefit in arrears.

Policy details

Important information about your life insurance.

Income Protection Brochure

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Life insurance

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About life insurance "Read more about Life insurance"

Mortgage protection

Bringing you peace of mind that your family home is secure, no matter what happens.

Explore mortgage protection insurance "Read more about Mortgage protection"

Specified Illness Cover

A helping hand for you and your family when you need it the most.

About specified illness cover "Read more about Specified Illness Cover"

News articles

Take a look at our library of helpful articles and news.

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In a position to pay some extra money off your mortgage? Here’s everything you need to know about how to pay off your mortgage early.

Investing for your child’s education can start now

Third-level education can be expensive, Aviva discusses how parents could find better ways to save for their children’s college education.

Inflation – the hidden cost of money in the bank

As the inflation rate increases, the purchasing power of your money decreases, and you may not be able to buy as much with it as you used to.

4 reasons to invest

We look at the top 4 reasons to invest for your financial plan. Investing is more suitable to meet longer-term financial goals and can offer several benefits.

Am I financially ready to invest?

Are you considering investing but are still determining if you're financially ready? Ask yourself three questions to determine your investment readiness.

Importance of a Financial Broker

In this article we will discuss five ways a Financial Broker can help improve your financial well-being.

Saving for Children

Want to give your child a head start in life when they turn 18? Aviva's Children's Savings Investment Trust could be what you're looking for.

Aviva pays out over €118.6 million in protection claims in 2022

Aviva Life & Pensions Ireland (Aviva), reported that the company paid out €118.6 million in claims to customers with protection policies in 2022.

How can you protect your family finances from illness and injury?

How you can protect your family finances from illness and injury, we have some valuable insights on what you need to do.

How a Financial Broker can help protect you and your family

Financial Brokers can help you prioritise your financial needs, such as saving for retirement, investing for your children or planning your estate.

Aviva Research | Benefits of Employment

35% of employees unaware there may be benefits available to them as part of their employment contract over and above their financial remuneration and annual leave.

Aviva pays out €46 million to income protection claimants in 2021

Aviva Life & Pensions Ireland (Aviva), reported that the company paid out €46 million to 2,000 new and existing income protection claimants during 2021.

What do I need to apply for a mortgage?

Whether you’re a first-time buyer, purchasing your second home or re-mortgaging, find the list of documents you need to apply.

Reasons to buy life insurance in your 20s and 30s

Getting financially stable as a young adult may be the last thing on your mind. Did you know life insurance could be less expensive in your 20s / 30s?

What to do after a death checklist

The loss of a loved one can be a very difficult time. With this handy checklist find out the steps to take immediately following a death and the weeks subsequent.

Do I need life insurance if I’m retired or an empty nester?

Even after you retire or your children are now financially independent, keeping your life insurance is still a good idea and here are the reasons why.

Contact Us

Existing customers

1800 159 159

Monday: 9:00a.m. - 5:00p.m.

Tuesday: 9:00a.m. - 5:00p.m.

Wednesday: 10:00a.m. - 5:00p.m.

Thursday: 9:00a.m. - 5:00p.m.

Friday: 9:00a.m. - 5:00p.m.

Saturday - Sunday: Closed

Email: csc@aviva.com

For a new quote

091 784440

Monday to Friday: 9:00a.m. - 5:00p.m.

Saturday - Sunday Closed

Bank Holidays Closed

1. Guaranteed premium: The amount you pay does not change over the life of the policy as long as the benefits remain the same. You can choose to index-link your premium and the benefits to ensure that, over time, they remain linked to inflation.

Aviva Life & Pensions Ireland DAC does not guarantee the on-going availability of any or all of the Aviva Care Ireland services to its policyholders and may, at its sole discretion, withdraw access to the service at a month’s notice. If we withdraw it, we’ll write to notify policyholders at least 30 days in advance of its removal.

Teladoc Health, who provide the Aviva Care services, is not a regulated entity. Aviva Care is not a regulated service

Acceptance criteria, terms and conditions apply. These monthly premiums are based on single life cover of €170,000 for a person aged 31 next birthday and a non-smoker, over a 25 year term, total monthly premium amount €10.03. Source: Aviva Life & Pensions Ireland DAC as at December 2024.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5.

Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950 www.aviva.ie

Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.

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