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Income Protection Plan

Providing you with a replacement income if you cannot work as a result of an illness or injury after a certain period of time. It does not cover you if you become unemployed.

Choose which income protection suits your needs

Flexible - Tailor-made by you.

You decide how much cover you need, the deferred period you want (either 13, 26 or 52 weeks), and how long you want the cover for.

Our Income protection helps you if an injury or illness stops you from working

Set income schedule.

Let us know when an illness or injury stops you working and subject to approval we will begin paying you a monthly income at the end of your chosen deferred period.

AIB Income Cover might suit you if you:

  • Are 18 to 54 years of age and in full-time employment or are self employed
  • Want to protect some of your income until you are age 65 if you are unable to work because of an illness or injury. Please see brochure for full details (PDF)
  • Want a product that pays you a regular income if you cannot work because of an illness or injury, after a certain amount of time (deferred period)
  • Want the option to top-up your cover at a later date
  • Want your cover to continue, no matter how many claims you make
  • Want your money back if the plan is not right for you within 30 days
  • Want to take advantage of potential income tax relief


AIB Income Cover might not suit you if you:

  • Are unemployed
  • Want protection against being made unemployed
  • Want cover that continues after you are age 65
  • Want a lump-sum payment for certain illnesses
  • Need a life-cover protection plan, with added family benefits
  • Need a product with a cash-in value; and need more cover than is available with AIB Income Insurance


This product is provided by Irish Life Assurance plc. Allied Irish Banks, p.l.c. is tied to Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. and Irish Life Assurance plc are regulated by the Central Bank of Ireland.