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Sunday May 20 2012




BUY SELL RENT MORTGAGES LIFE, PENSIONS & INVESTMENTS My OBG CONTACT US ABOUT US


FREE Financial Review
Contact us today to avail of a free financial review

Call OBG Life, Pension & Investment Services on +353 719194194 or email us


Are you paying too much?
Paying too much for your mortgage protection, if yes read more

Call OBG Life, Pension & Investment Services on +353 71 9194194 or email us

Income Protection

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PROTECTION - Your Income is your greatest asset

We don't usually think of our current income and future earnings as an asset. However, this is what pays for everything else - mortgage, bills, car loan, children’s' education, insurances and so on.

Now think about if you no longer had this income, how would you pay for everything? Now think about Income Protection.

Why Protect your Income Do you realise that 1 in 6 of Irish workers will be out of work due to sickness or disability for more than 6 months over the course of their working life.

There is no obligation on your employer to provide sick pay. In the private sector, 85% of employees would be fully dependant on the state benefit after 6 months of absence. The State Disability benefit pays just € 10,286 per year to an individual. A typical family with one adult working, one adult dependant and 2 children would qualify for just € 19,610

If you are self employed then you are not entitled to any benefit

It is a very simple plan and offers the following key features:
  • Protect up to 75% of your income
  • Premiums are guaranteed not to increase in the event of a claim
  • Cover is guaranteed to continue until retirement, even if you have multiple claims
  • You can claim tax relief at your marginal rate on premiums paid
Remember it covers any illness, any injury, any disability or any accident!!!!


The following are examples of serious illness claims paid out by one insurance company in 2006.

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