We all think our most expensive possession such as our house or car is our biggest asset but what is bigger than these is your INCOME. Our income is worth more than we value it. It is our income that pays for our house, our car and all the extra bills that come with having these possessions and the lifestyle we thrive to have. So why not consider insuring your income.
 
Income protection provides you with a replacement income should you be unable to work due to a wide range of illnesses including time off due to stress, depression, back pain, cancer diagnosis, heart attack and many more.
 
Income Protection can be arranged in the best way to suit you. You can cover a maximum of 75% of your gross income or you can cover a lower percentage ensuring your most important expenses are protected. 

Did you know too that on the premiums you pay for an Income Protection Policy that you can claim tax relief on these, This can reduce the cost of you cover by 40% depending on the tax rate you pay. 

Income Protection is a financial need for all who are in receipt of an income and if having this protection is something you are interested in, contact us to receive your quotation.  

​Providing Group Pension and Protection Benefits for your employees is a great way to Entice, Maintain and Reward your employees and convey how you value their commitment to your company.
 
There are several choices of the types of plans which are suitable to your employees and so it is important to receive professional advice to aid in selecting the best scheme to provide these benefits.
 
Cummins Financial is an impartial provider of Pension, Income protection and Life policy plans to medium and Large Irish Based companies for over 35 years.
 
If you want to find out more about employee benefits, and how they can make a huge impact on employee wellbeing, speak to us today if you have any questions.

Royal London have recently done a press release which details the difference in the protection being effected for men and women. 

This article also outlines the average level of cover which is taken out and gives an indication of how long this cover would last you and/or your dependants.