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QuoteLeader offers low cost Life, Illness & Income Protection Plans along with tailored advice.

We simplify the process of putting protection in place and avoid industry jargon.

02/02/2026

3 Mortgage Protection mistakes that quietly cost people money 👇

Most people only think about mortgage protection when the bank requests it… and then they just “get it done”.

But there are a few common mistakes that can cost you a fortune over the years:

✅ 1) Taking the first quote without comparing
Mortgage protection pricing can vary massively between providers — even for the same cover.

✅ 2) Not reviewing it when life changes
New job, better health, stopped smoking, paid down the mortgage… all can change what you should be paying.

✅ 3) Assuming it’s fixed / can’t be improved
Mortgage protection is one of the few insurances that has been getting cheaper — yet lots of people are still on old, expensive plans.

Worth asking yourself:
👉 When was the last time you reviewed yours?

Northstar Financial Planning Limited t/a QuoteLeader.ie is regualted by the Central Bank of Ireland no.190060

22/01/2026

One of the few insurances that’s actually been getting cheaper in recent years…

Mortgage Protection. ✅

And because it’s a long-term policy (often 20–35 years), even a small saving each month can add up to a significant saving over the lifetime of the policy.

In fact, we regularly save customers thousands of euro by comparing the market properly — not just sticking with the bank quote.

And right now there’s a big bonus:
💶 50% Cash-Back Offer in Year 1
You get 50% of the cost of your Year 1 premium back in cash after 12 months.

👉 Worth checking what your quote could be.

T’s & C’s here: https://quoteleader.ie/offer-landing-page

Northstar Financial Planning t/a QuoteLeader.ie is regulated by the Central Bank of Ireland No190060.

19/01/2026

Income Protection — 3 things most people misunderstand

Income protection is one of those things people mean to sort… but don’t, because it sounds complicated.

In plain English:
✅ If you can’t work due to illness or injury, it pays you a regular monthly income until you’re back working (or you reach the chosen retirement age on the policy).

If you ever look into it, here are 3 important things to check:

✅ 1) How long you wait before it pays out
(4, 8, 13, 26 weeks etc — shorter wait = higher cost)

✅ 2) How long it would pay you for
Some policies which appear to be Income Protection stop after 2 or 5 years — Income Protecton will pay to retirement age if still unable to work.

✅ 3) Whether it covers your specific occupation properly
This matters a lot for self-employed people, trades, consultants, and anyone with specialised work.

Question:
👉 If you couldn’t work for 6 months, a year, 5 years or longer, would you be OK financially?

17/01/2026

“Ah sure… I’ll be grand.” 😅

And 99% of the time you will be.

But if something did happen and you were out of work for a few months…
being “grand” quickly turns into stress.

Income protection is one of those things you hope you never need —
but you’ll be very glad it’s there if you do.

This New Year, it might be worth finally sorting the thing you’ve been meaning to do for ages.

If you couldn’t work for 3–6 months, would you be OK financially?

Northstar Financial Planning t/a QuoteLeader.ie is regulated bt the Central Bank of Ireland No190060.

14/01/2026

New Year’s resolutions usually mean:
✅ gym plans
✅ saving money
✅ eating better

But there’s one bit of life admin nearly everyone avoids…

Income protection. 😅

Not because it’s not important — but because it’s one of those “I’ll do it soon” jobs.

Quick question:
👉 If you couldn’t work for 3–6 months, would your wages still come in?

If the answer is “I’m not sure”, this might be the year to finally sort it.

Northstar Financial Planning t/a QuoteLeader.ie is regulated bt the Central Bank of Ireland No190060.

12/01/2026

Things we insure without thinking:

📱 phone
🚗 car
🏠 home
✈️ holiday

But the thing that pays for all of them…
💶 your income

Make it make sense 😂

10/01/2026

Most families don’t need a complicated financial plan.

They just need a simple protection checklist ✅

If the unexpected happened tomorrow, would your family still be OK for:

🏠 Mortgage / rent
👶 Childcare + day-to-day costs
💡 Bills + loans
💶 Income if you couldn’t work
❤️ A lump sum if the worst happened

This isn’t about being negative — it’s about removing uncertainty and knowing your family would be financially secure.

👉 If you were being honest, which one would worry you most?

Northstar Financial Planning t/a QuoteLeader.ie is regulated by the Central Bank of Ireland No190060.

09/06/2023

Can I Claim Tax Relief On My Income Protection Premium?

Payments on your income protection plan are eligible for income tax relief at your marginal rate of tax.

05/06/2023

Some benefits of Income Protection:
1. There is no restriction on what you use the Income Protection benefit for
2. If cost is an issue, you don’t have to cover your full normal income, even a little cover is better than none
3. Income protection premiums qualify for tax relief

29/05/2023

Serious illness cover, also known as critical illness insurance, is a type of insurance policy that provides financial protection in the event that you are diagnosed with a serious illness.

If you are diagnosed with a serious illness, the financial burden of treatment and recovery can be significant. Serious illness cover can provide a lump sum payment that can help cover medical expenses, pay bills, or even provide income replacement. Knowing that you have financial protection in the event of a serious illness can provide peace of mind for you and your loved ones.

Contact us to discuss your options and choose a policy that meets your specific needs and budget. Get in touch on 01 539 4550 or email us at [email protected].

19/05/2023

Income protection is a type of insurance that provides financial support to individuals who are unable to work due to an illness or injury. It pays a percentage of the insured person's income for a certain period of time or until they are able to return to work.

Taking out income protection insurance can provide peace of mind and financial security in case you are unable to work due to illness or injury. It can help cover your living expenses, medical bills, and other financial obligations while you focus on recovering.

Get in touch with us today. Phone us on 01 539 4550 or email us at [email protected].

09/05/2023

What Is The Difference Between Serious Illness Cover And Income Protection?

Serious Illness cover will not replace your income if you were out of work due to long-term illness. Serious illness insurance will only pay out if the illness is covered by the policy and pays a once-off lump sum, not an ongoing income. Income protection on the other hand will pay a monthly sum to help replace your salary income.

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Website

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