At O’Sheas Insurance, we understand that your income is one of your most important assets. Income protection insurance is designed to provide financial support if you are unable to work due to illness or injury, helping you maintain financial stability while you focus on recovery.

If sickness or injury prevents you from working for an extended period, income protection can provide a regular monthly income, typically up to a percentage of your earnings. This payment helps cover everyday living costs such as mortgage or rent payments, household bills, loan repayments, and other essential expenses, offering reassurance at a time when income may otherwise be reduced or stopped altogether.

Income protection is particularly important for self-employed individuals, business owners, contractors, and professionals who may not have access to long-term sick pay. It can also be valuable for employees, especially once employer sick pay ends. Policies can be tailored to suit your occupation, income level, and personal circumstances, ensuring the cover is relevant and affordable.

At O’Sheas Insurance, we help you choose key elements of your income protection policy, including the level of benefit, how long payments should continue, and the waiting period before payments begin. These options allow you to balance cost with meaningful protection, ensuring your cover works alongside any savings, employer benefits, or other supports you may already have in place.

Our experienced advisors take the time to explain income protection in plain English, helping you understand how the policy works, what is covered, and how claims are handled. We’ll guide you through the process from start to finish and remain available to review your cover as your income, career, or personal circumstances change.

Income protection is about more than replacing income — it’s about protecting your lifestyle, independence, and peace of mind. With the right policy in place, you can face the unexpected with confidence, knowing your finances are supported while you get back on your feet.