Income Protection · Self-employed & PAYE
See what you'd actually receive if you couldn't work for a year.
The 52-week scenario is the only number that matters. We show salary, State Illness Benefit and an indicative policy payout week-by-week — then you decide whether to ask us to introduce you to an advisor.
Indicative monthly cost
Drives the recommended deferred period.
Cap = (75% × €60,000) − €12,064 State Illness Benefit, ceilinged at €262,500.
Indicative dual premium
Gross monthly cost
€42.82
Your marginal tax rate
Net cost after 40% marginal tax relief
€25.69
Income protection premiums attract income-tax relief at your marginal rate (20% standard, 40% higher). You claim the relief from Revenue (myAccount → tax credits → "income continuance"); the insurer does not deduct it from your direct debit.
Indicative only. Final premium subject to medical underwriting and your insurer's terms of business.
Information only — not financial advice or a regulated quote. Read how we work.
Download an income protection summary
What you'd actually receive if you couldn't work, with the net-of-tax cost laid out. Yours instantly — no email required.
Email is optional. We don't send automated marketing emails. If you leave one, we'll introduce you to an independent advisor within 2 business days.
Information only — not financial advice or a regulated quote. Read how we work.
Real clients
Self-employed and PAYE clients
First-name + initial · published with written consent
I'm self-employed — my accountant kept saying I needed income protection, but no one explained the deferred period. FarrFin walked me through it in twenty minutes.
Aoife D. · Castlebar
26-week deferred · €38/month net of 40% relief
Bert priced four deferred periods side by side and told me which one actually fit my employer sick pay. Felt like advice, not a sales call.
Peter W. · Roscommon
13-week deferred · matched to employer cover
Testimonials describe individual outcomes. Premiums, savings and underwriting decisions vary case-by-case. A Trustpilot / Google Reviews feed is on the roadmap.