Have you got your protection the right way around?

Real protection starts with income protection

What if you were unable to work

What if you were to have an accident or long-term illness that prevents you from earning a living? Your employer may continue to pay you for a period of time but for how long?

That’s where income protection comes in. It gives you an alternative income while you’re unable to work due to illness or injury. It means you can keep on top of the bills that matter; mortgage payments, car loans, food bills, rent and more – allowing you to focus on your recovery when money worries should be the last thing on your mind.

Customer testimonial

Listen to why Income protection claimant Marc thinks everyone should have it.

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How does Income Protection work?

You can cover up to 75% of your salary to a maximum benefit amount of €262,500 when you’re off work due to illness or injury – (less any social welfare payments) either until you return to work or your chosen retirement date if you’re not fit to return to work before then.

  • You pay a monthly premium based on your occupation and health status
  • If you are unable to work due to illness or injury, we will provide you with a replacement income until you return to work, or until your chosen end date
  • When taking out your policy, you choose the expiry age that best suits you
  • You can select any age between 55 and 70, this is when your cover will end
  • Many people will choose an expiry age to coincide with their retirement age

There is no restriction on what you use the income protection benefit for. It’s there to support you financially, however you need it.

The premiums you pay are eligible for Tax Relief. This can reduce the cost of your cover by up to 40%, if you pay income tax at the higher rate.  You must claim the tax relief from the revenue.

You choose when you want the payments to start.

On our Personal and Executive Income Protection plans, you can choose from 4, 8, 13, 26 or 52 weeks and 4, 8, 13, 26 weeks on our Wage Protector plan.

For many people, their employer will pay them for a period of time. It's after that, you need the cover most. For example: if your employer will pay you for a six month period while you are unable to work then you should choose your start date (also known as deferred period) as 26 weeks.

You can

Choose between Guaranteed Premiums, which means the cost will never go up, even if you make a claim and Reviewable Premiums which guarantee that your premiums will remain constant for the first five years of your plan and will be reviewed every 5 years and your premiums may be increased.


An Aviva Income Protection Plan will continue to cover you if you change jobs, regardless of what your new job entails. 

You can claim as many times as you need to

  • We will immediately restart your benefit if you have a relapse within six months of returning to work
  • Whether you are a company or an individual we have a plan to suit you
  • You just need to be working more than 16 hours a week in paid employment to qualify

Our range of plans

Executive Income Protection

For Employers & Company Directors who wish to provide income security for key employees.

Personal Income Protection

For the self-employed or those (in employment) who are setting up a policy independently of their employer.

Wage Protector

Designed specifically for workers in riskier jobs who are generally more expensive to insure. It will pay out for a maximum of 24 months per claim.

Why Aviva

At Aviva, we believe Income Protection means more than just helping you with financial protection.  That’s why our plans are designed to offer additional help and services to aid you with your recovery.

  • Claims paid in 2020

    Aviva paid out over €45 million in Income Protection claims in 2020, with average claims lasting 5 years.


    In 2020, we invested over €200,000 towards rehabilitation and retraining programmes which benefited approximately 100 claimants. We have partnered with many companies to help you in the event you need to claim including: Rehabilitation, Career Transition Consultancy, Physiotherapy.


    (Source: Aviva  Claims Department, March 2021)

Additional benefits exclusive to Aviva

Best Doctors ® Second Medical Opinion

Best Doctors ® Second Medical Opinion service: an exclusive benefit available from the first day of your protection cover, at no additional cost. An added benefit of a protection policy from Aviva, is access to Best Doctors Second Medical Opinion®’.  Best Doctors provides you with access to over 50,000 of the world’s top physicians.

Aviva Family Care

Everyone is facing new challenges and as our customer you get access to Aviva Family Care which is a counselling & psychotherapy service provided by Teladoc Health. Aviva Family Care gives you access to a wide variety of specialised forms of therapy, including counselling and Cognitive Behavioural Therapy.

Expert advice

We can help to relieve the financial burden while you get your life back on track. Get cover today - contact your financial broker for a quote.

Terms and Conditions apply. Please refer to https://www.aviva.ie/protection/income-protection/

Aviva Life & Pensions Ireland does not guarantee the on-going availability of the Best Doctors - Second Medical Opinion benefit to its policyholders or the Aviva Family Care Benefit (Mental Health Support) 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 31 days in advance of its removal. Teladoc Health (who provide the Best Doctors and Aviva Family Care Benefit) is not a regulated financial service.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at One Park Place, Hatch Street, Dublin 2, D02 E651. 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.