{"id":22,"date":"2017-03-10T20:45:18","date_gmt":"2017-03-10T20:45:18","guid":{"rendered":"http:\/\/pageoneseodomination.com\/test-fundemental\/?page_id=22"},"modified":"2023-06-05T11:52:52","modified_gmt":"2023-06-05T11:52:52","slug":"income-protection","status":"publish","type":"page","link":"https:\/\/fundamental.ie\/income-protection\/","title":{"rendered":"Income Protection"},"content":{"rendered":"<div><\/div>\n<h1>Income Protection Insurance Are You Covered?<\/h1>\n<div class=\"arve alignleft\" data-mode=\"normal\" data-provider=\"youtube\" id=\"arve-youtube-vvtohykcdaa\" style=\"max-width:400px;\">\n<div class=\"arve-inner\">\n<div class=\"arve-embed arve-embed--has-aspect-ratio\">\n<span class=\"arve-ar\" style=\"padding-top:56.250000%\"><\/span><iframe credentialless referrerpolicy=\"strict-origin-when-cross-origin\" allow=\"accelerometer &#039;none&#039;;ambient-light-sensor &#039;none&#039;;autoplay &#039;none&#039;;battery &#039;none&#039;;bluetooth &#039;none&#039;;browsing-topics &#039;none&#039;;camera &#039;none&#039;;ch-ua &#039;none&#039;;clipboard-read &#039;none&#039;;clipboard-write;display-capture &#039;none&#039;;document-domain &#039;none&#039;;domain-agent &#039;none&#039;;encrypted-media &#039;none&#039;;execution-while-not-rendered &#039;none&#039;;execution-while-out-of-viewport &#039;none&#039;;gamepad &#039;none&#039;;geolocation &#039;none&#039;;gyroscope &#039;none&#039;;hid &#039;none&#039;;identity-credentials-get &#039;none&#039;;idle-detection &#039;none&#039;;keyboard-map &#039;none&#039;;local-fonts &#039;none&#039;;magnetometer &#039;none&#039;;microphone &#039;none&#039;;midi &#039;none&#039;;navigation-override &#039;none&#039;;otp-credentials &#039;none&#039;;payment &#039;none&#039;;picture-in-picture;publickey-credentials-create &#039;none&#039;;publickey-credentials-get &#039;none&#039;;screen-wake-lock &#039;none&#039;;serial &#039;none&#039;;speaker-selection;sync-xhr &#039;none&#039;;usb &#039;none&#039;;web-share;window-management &#039;none&#039;;xr-spatial-tracking &#039;none&#039;;\" allowfullscreen class=\"arve-iframe fitvidsignore\" data-arve=\"arve-youtube-vvtohykcdaa\" data-src-no-ap=\"https:\/\/www.youtube-nocookie.com\/embed\/vVTOHYkcdAA?iv_load_policy=3&amp;modestbranding=1&amp;rel=0&amp;autohide=1&amp;playsinline=0&amp;autoplay=0&amp;controls=0\" frameborder=\"0\" height=\"225\" name sandbox=\"allow-scripts allow-same-origin allow-presentation allow-popups allow-popups-to-escape-sandbox\" scrolling=\"no\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/vVTOHYkcdAA?iv_load_policy=3&#038;modestbranding=1&#038;rel=0&#038;autohide=1&#038;playsinline=0&#038;autoplay=0&#038;controls=0\" width=\"400\" title loading=\"lazy\"><\/iframe>\n\n<\/div>\n\n<\/div>\n<script type=\"application\/ld+json\">{\"@context\":\"http:\\\/\\\/schema.org\\\/\",\"@id\":\"https:\\\/\\\/fundamental.ie\\\/income-protection\\\/#arve-youtube-vvtohykcdaa\",\"type\":\"VideoObject\",\"embedURL\":\"https:\\\/\\\/www.youtube-nocookie.com\\\/embed\\\/vVTOHYkcdAA?iv_load_policy=3&modestbranding=1&rel=0&autohide=1&playsinline=0&autoplay=0&controls=0\",\"thumbnailUrl\":\"https:\\\/\\\/fundamental.ie\\\/wp-content\\\/uploads\\\/2018\\\/01\\\/Income-Protection-Insurance-Dublin-Income-Proection-Explained.jpg\"}<\/script>\n<\/div>\n\n<p><span style=\"font-size: 14pt;\"><strong>Question :- What is 46 for Women and 49 for Men?<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\"><strong>Answer:- The average age of an Income Protection Claimant in 2017 in Ireland (Source Irish Life Assurance Claims Statistics for 2017 Claims year). <\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\"><strong>Yes &#8230; 46 years of age for Women and 49 years of age for Men.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">If you cannot work due to illness or injury, will you still have an income coming in? If not, or if it is reduced, then you need to look at some element of Income Protection cover.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">The \u2018it will never happen to me\u2019 approach is cold comfort when you are ill, probably have medical bills on top of the normal day to day bills and are not in a position to earn any income to clear these debts, as well as keep the household going.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">For most people their single biggest asset over their working life is their income. Their home, pension fund, savings and day to day family expenses are paid for by their working income. This is too valuable an asset not to protect.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Employers are not obliged to pay an employee when out on sick leave and the State Disability Benefit is minimal.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Does your Employer operate a sick pay scheme? If so, for how long does this scheme continue &#8230;for the full duration of an illness or for a set amount of time?<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">In the private sector over 80% of employees will automatically be fully dependent on the state disability benefit after an absence of less than 6 months.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">In the public sector the norm is full pay for 3 months and half pay for 3 months. After this public sector employees are fully dependent on the state disability benefit.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">If you are self employed you are not entitled to the State Disability Benefit.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">We can help you put something in place that suits your needs and your pocket. We cannot help you once the illness or injury has happened so don\u2019t put it off any longer.<\/span><\/p>\n<h2><span style=\"font-size: 16pt;\"><strong>Remember &#8230;.. The premiums for Income Protection cover attract income tax relief.<\/strong><\/span><\/h2>\n<h3><span style=\"font-size: 16pt;\">If you have your own business then self employed income protection is a must for you.<\/span><\/h3>\n<p><span style=\"font-size: 14pt;\"><strong>Let\u2019s get started with Income Insurance&#8230;&#8230;.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">We always follow a <span style=\"text-decoration: underline;\"><strong>4 Step Process<\/strong><\/span> to gather your information on your current financial arrangements, assess their suitability for your current circumstances and fill in the gaps:<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Step 1 \u2013 Initial Meeting (Investigation)<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">We will sit down with you (and whomever you wish) to ask all the relevant questions which will\u00a0enable us to determine we are the right fit for you.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Step 2 \u2013 Needs Analysis (Fact Finding)<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">We will gather all of your up to date financial information and then conduct a \u2018fair market analysis\u2019\u00a0to find solutions to your specific need.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Step 3 \u2013 Recommendations<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">We will present you with your options and discuss the merits of each.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Step 4 \u2013 Implementation<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">We will help you to put your chosen option(s) for best income protection in place and guide you at every step of the way.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">This will be done in a clear, concise, fuss free manner.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">For many businesses and families the initial 1 hour Investigation Meeting shows them the stark reality of what their lack of planning is putting at risk.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>The benefit to you is complete clarity:<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u2022 For your family<\/span><br \/>\n<span style=\"font-size: 14pt;\"> \u2022 For your business partners<\/span><br \/>\n<span style=\"font-size: 14pt;\"> \u2022 For your peace of mind<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><strong>We ensure there are:<\/strong><\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u2022 No surprises<\/span><br \/>\n<span style=\"font-size: 14pt;\"> \u2022 Every recommendation is designed to match your specific circumstances<\/span><br \/>\n<span style=\"font-size: 14pt;\"> \u2022 Complete transparency and understanding of each recommendation<\/span><br \/>\n<span style=\"font-size: 14pt;\"> \u2022 We will simplify and consolidate your current financial needs<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Our mission is to ensure, as appropriate, you, your family or your business partners know exactly what financial product you own and why you own it.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">In addition we will complete an overview of your financial arrangements so that you will have a Roadmap for future financial planning.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">There is absolutely no charge for this and this is our guarantee to you, your family and business partners.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Don\u2019t forget this is a 1 hour meeting \u2013 Step 1 of a 4 Step Process that will simplify and consolidate your current financial needs and provide an Independent and tailored solution (s) for the future. This is too important to put on the long finger again.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Call <span style=\"color: #000000;\"><strong>Jacinta Lawlor<\/strong><\/span> on<span style=\"color: #000000;\">\u00a0<strong>01 906 0398 <\/strong><\/span>and organise your complimentary 1 hour Investigation Meeting today \u2013 \u2018you have everything to gain and nothing to lose\u2019.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">We are happy to meet you (together with your accountant\/ solicitor\/ tax advisor if appropriate) at a location and time convenient for you.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">We can quickly assess your needs and produce the best income protection quote for you.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Fundamental Life and Pensions Income Protection Cover Unit 11, Keypoint, Rosemount Business Park, Rosemount Park Drive, Ballycoolin, D11 W2YC, Ireland.<\/span><\/p>\n<p>We find the best income protection quote for your specific needs, income protection insurance provides you with an income if you cannot work as a result of an illness or injury. We believe that we provide the best tailored income protection quote and cover for our clients needs.<\/p>\n<p><div class='content-column one_third'><img decoding=\"async\" src=\"http:\/\/fundamental.ie\/wp-content\/uploads\/2017\/12\/Financial-Broker-Dublin-Ireland.jpg\" alt=\"financial broker dublin\" \/><\/div><div class='content-column one_third'><img decoding=\"async\" src=\"http:\/\/fundamental.ie\/wp-content\/uploads\/2017\/12\/Financial-Advisors-Ireland.jpg\" alt=\"financial advisors ireland\" \/><\/div><div class='content-column one_third last_column'><img decoding=\"async\" src=\"http:\/\/fundamental.ie\/wp-content\/uploads\/2017\/12\/pension-advice-dublin.jpg\" alt=\"pension advice dublin\" \/><\/div><div class='clear_column'><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Income Protection Insurance Are You Covered? Question :- What is 46 for Women and 49 for Men? Answer:- The average age of an Income Protection Claimant in 2017 in Ireland (Source Irish Life Assurance Claims Statistics for 2017 Claims year). Yes &#8230; 46 years of age for Women and 49 years of age for Men. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"class_list":["post-22","page","type-page","status-publish","hentry","post"],"_links":{"self":[{"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/pages\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":23,"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":1027,"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/pages\/22\/revisions\/1027"}],"wp:attachment":[{"href":"https:\/\/fundamental.ie\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}