Income Protection

Secure replacement income in the event of illness or injury.

Income Protection cover provides you with a replacement income if you cannot work due to illness or injury and can help to provide financial security in very uncertain times.

Establised in 1993.

Over 100 years' experience.

10 dedicated team members.

Thousands of Irish customers served.

Income Protection Ireland

How would you pay the bills if you were sick or injured and couldn’t work?

Income protection insurance is a type of life insurance policy that pays you money each month to help you to maintain your lifestyle if you are ill or injured and cannot work, until you are fit to return to work again. The cost depends on your age, income and desired benefit amount.

At ERM, we believe that protecting your income is a high priority. It is our income that pays for everything we do – it pays the mortgage, rent, for cars, houses, bills, holidays. Without that income, you are unlikely to be able to afford your lifestyle.

Tax relief is available on income protection premiums at your marginal rate of tax.

To enquire about Income Protection simply fill out our contact form, call us now on 01 845 4361 or email us directly at

Make An Enquiry

    Protect your income and maintain your lifestyle in event of long term illness or injury.


    Your income is protected if you cannot work due to long term illness.

    Tax Relief

    You can claim tax relief on the premiums.

    Peace of Mind

    You have the peace of mind of knowing that you can afford your lifestyle and outgoings even if you were unable to work.


    The benefit is paid if you are medically unable to work and it is NOT dependent on diagnosis of certain types of illness.

    Income Protection - ERM Financial Services

    Why choose ERM Financial Services for Income Protection Insurance?

    Experience, expertise, advice and competitive quotes that you can rely on, since 1993.

    • A great deal of experience in dealing with income protection cover.
    • Our team have many years of experience assisting with claim situations.
    • Many years of knowledge of all income protection policies in the market.
    • We compare prices from all providers of this cover.
    • We also compare performance and claims history of the life companies.
    • We will assist through the application and the underwriting stages.

    Income Protection Cover

    Safeguard your financial security today with the appropriate income protection cover. 

    Elaine Byrne QFA FLIA RPA

    Elaine Byrne QFA FLIA RPA

    Operations Manager of Life and Pensions

    Over the past 30 years Elaine has worked in all areas of financial services including underwriting, pension planning, self-directed pensions, retirement planning, savings and investments, including property investment. 

    Elaine is passionate about each and every one of her clients and she prides herself on giving them the best advice suited to their particular needs. In addition to advising clients’ Elaine will also be responsible for the day to day management of the life and pensions division at ERM.

    01 845 8658

    Get Started

    Contact Elaine Byrne today and she will be more than happy to answer any questions you may have.