Specified Illness/Income Protection

Protecting You in The Case of Illness.

Are you and your family protected, should anything happen you and prevent you from working?

With Medical advances, people are more likely to survive serious illnesses. But this means that more people are likely to take prolonged periods off work for treatment and recovery. This has a huge impact on their income and as a result can hinder recovery.

It’s estimated that €50,000 would last 17 months, based on monthly outgoings of €3,000. There are two distinctly different protection plans to safeguard against financial loss as a result of illness or injury!

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Specified Illness

  • Pays a pre-selected amount, 14 days after the diagnosis of one of a number of specific illnesses
  • Will allow you to replace income, pay bills or make necessary home alterations
  • Cancer and Heart related illnesses add up to 80% of claims
  • Irish Life paid out Specified Illness claims valued €192,000, every working day in 2015
  • Would allow you the time and space to recover, without financial distractions.

Specified Illness - Indicative Rates

AgeSum AssuredPremium
30€50,00015.06
35€50,00020.59
40€50,00030.01
45€50,00045.9
50€50,00072.53

Assumes non smoker for 20 year convertible term

Income Protection

  • You are entitled to have a plan which would replace 75% of your income
  • Premium is based on age, occupation, salary and deferred period before claim paid
  • Premium is allowed against Income Tax
  • Claim would pay income until recovery or retirement, i.e. protecting your income for the rest of your working life
  • Partial payments allowed to encourage return to part time or alternative employment

Income Protection - Indicative Rates


AgeMonthlyPremiumPremium
Benefit €Gross €Net €
302,5015030
351,8885030
401,4525030
451,0535030

Assumes Class 1 occupation, 26 weeks deferred period, ceasing at age 65,

Also, premium is guaranteed and indexed and benefit is escalating

Our Life & Pensions Team

Dave Dillane

Dave Dillane

Managing Director Call: 01 802 2304 Email: dd@dibl.ie

As the Managing Director, my role is to ensure that the company can fulfil its goals. This is achieved by ensuring that every section of the company has adequate resources, training and focus. I am here to assist our teams in every way possible. I am also responsible for the company’s adherence to all the regulation and rules within which we must operate. I am also very focused on customers, making sure their needs are fully met by our service levels.I make sure that I get involved in any claim where there are any difficulties to smooth the path to a successful outcome.

I also actively take part in looking after Commercial customers, farm business and our apartment block facility.

Paul Clements

Paul Clements

Executive Director Call: 087 121 3798 Email: dd@dibl.ie

Hi, my name is Paul Clements. I have worked in the financial services industry for the last 12 years, focusing mostly on investments and portfolio management.

I now serve on the Board of Directors of Dolmen Insurance Brokers Ltd., where my focus is on the company’s non-general business including life assurance, pensions and investments.You can contact me at any time at the number or email address below. I look forward to hearing from you soon.

Áine Derham

Áine Derham

Life and Pensions account manager Call: 086 245 3407 Email: aine@dolmen-insurance.ie

Hello I have been working in in the insurance industry for over 30 years

As a qualified financial advisor I can advise you on all types of Protection Products such as Life Cover, Income Protection, Inheritance Tax,
Mortgage Protection, Co- Directors Insurance & Keyman Cover.

I can also assist in reviewing your Pensions be they, Personal, Company or Paid Up Pension in doing so we can work together to
ensure they meet your retirement expectations .

Please feel free to contact me and I can provide you, your family and your business security through a complete financial review.

Shauna Forrester

Shauna Forrester

Life and Pensions Call: 01 8022335 Email: info@dolmen-insurance.ie

Hi my name is Shauna Forrester and I am part of the Life & Pensions Team. I have worked as a Life & Pensions Administrator for 4 years.

My role as Administrator is dealing with new clients at the proposal stage of their protection & pension plans, helping existing clients with any queries in regards to their plans.

Liaising with life companies & underwriters on behalf of the client on a daily basis along with general admin duties. 

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