What is the main difference between income and salary protection insurance?

Salary protection insurance often provides coverage only for your basic salary, whereas income protection may cover additional bonuses and benefits.

What factors affect the cost of my income protection policy?

Factors such as age, health, occupation, and the level of coverage chosen can affect the cost of income protection Ireland insurance.

Can I customize my income protection insurance?

Yes, you can offer flexible options in terms of coverage amount, waiting periods, and payout options, at Clever Money, making it easier for you to tailor the insurance to your needs.

Life and Illness Cover

Home » Life and Illness Cover

This is what we call personal and Family Protection – Insurance that will pay out to protect you or your family if someone dies or becomes seriously ill.

We are not going to provide a load of bland information – you can find terms and conditions anywhere. We are just interested in putting the right money in the right hands at the right time – If something happened, that you get a quick pay-out and it is enough for you to manage.
There are so many different versions of cover, but we will short-list the most important parts when we get to speak with you:

Do you want a Lump sum to go to your family if you die?
Do you want a monthly income to go to your family if you die?
Do you want to build in an option to change or extend your cover in case circumstances change?
Do you want a Lump Sum payment if you suffer a selected Serious Illness?
Do you want a Lump Sum payment of you suffer a specific illness
If the cover you need is too expensive, do you want us to find a cheaper short-term alternative, knowing your payments will increase in the long-term?
I have a medical condition – will I get cover?
I have given up smoking – will this make a difference?
Do you want cover for the Whole of your Life, or just until the kids are grown up?
Can I add inside benefits such as Accident Payment or Second Opinion Doctors Service?
Do you know which of the Insurance companies have the best claims ethos and customer service?

As you can see, there are a lot of questions to answer. We can guide you through your options, and give you a recommendation to suit your personal circumstances, within your budget. Don’t worry, if we think your budget is not enough to cover what you need, we will tell you, but we work for you, which means we will do our best to maximise your cover based on what you can afford, and review on an ongoing basis. Life is always a balance – you have to be able to live for today while also providing for tomorrow.There are so many different versions of cover, but we will short-list the most important parts when we get to speak with you:

Life and Illness Cover

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