Income Protection – Why it matters more than ever!

“Having worked in Sunrise over 20 years, I’ve witnessed a remarkable shift in how people view income protection. The scepticism that once clouded this conversation has given way to genuine understanding—people now recognise it for what it truly is: a vital financial lifeline.

In this article, I’m focusing on Aviva—one of Ireland’s leading income protection providers and the insurer with the longest claims track record in this space. The numbers they’ve published tell a compelling story.

2025 Snapshot: The Numbers That Matter

* €51 million paid out in claims by Aviva in 2025

* 93% of claims approved

* 7 years — the average length of an income protection claim

* 34 years — the longest single claim in Aviva’s history

Top Reasons People Claim:

• Mental health conditions

• Musculoskeletal issues (e.g. back and joint pain)

• Cancer and serious illnesses

Who is Claiming?

In 2025, women accounted for 54% of income protection claims, with men making up 46%. This difference is notable—and a reminder that income protection is equally relevant regardless of gender, profession, or age.

Why Income Protection Matters?

If illness, injury, or accident stops you from working, income protection steps in—replacing up to 75% of your income. Unlike state benefits, it offers genuinely comprehensive support, including rehabilitation services designed to help you return to work sooner.

And here’s the good news: the Government makes it more accessible than many people realise. You can claim up to 40% tax relief on your premiums—making it a far more affordable safeguard than most expect””

With more providers entering the Irish market, competition has never been greater—which means now is one of the most cost-effective times to put cover in place.

Get in touch with us today to find out more—we’d love to help you find the right cover.