Income Protection, Accident and Sickness Cover

Ask yourself: what would happen to you and your family if you fell ill or had to take time off work? What if through no fault of your own, you were made redundant or you became unemployed as a result of your business failing? Not a nice thought but it does happen*:

• In 2005 there were over 141,000 people claiming Disability Benefit or Allowance.
• Heart disease is Ireland's No 1 killer & approximately 10,000 people die from it each year.
• Each year there are over 19,000 new cancer cases.

Who would pay the mortgage, and the household bills? You can forget holidays, the children's treats and any new things around the house. Money may become very scarce and life would become very tough indeed.

Of course, there are state benefits, but do you qualify and can you survive on such hand-outs? You may have a nest egg, some hard earned savings to fall back on but how long will they last? And, how long will it take to replace them when you are back on your feet?

the solution?

Our Sovereign Plan offers a range of benefits:

Paying you a monthly income& This policy will pay you an income of between €300 and €3,000 per month if you are unable to work due to any of the following:

• Accident
• Sickness
• Hospitalisation

You choose the monthly income benefit (max. 60% of your current salary) when you apply so it is tailor made to your requirements. The income is paid until you return to work or for a maximum period of up to 2 years for Accident cover.

In addition, if you suffer a serious injury, become hospitalised or die as a result of an accident a cash lump sum of up to €150,000 is also paid out. See what is covered for exact amounts and conditions covered.



It's easy to apply for this policy. Simply click one of the icons below and we will provide you with a no-obligation quote straight away.

*Source: Irish Heart Foundation, National Cancer Registry (Ireland) 2006, Central Statistics Office 2005