Services

Protection

Get peace of mind by protecting you and your family with Life Assurance.

You can’t predict what is going to happen from one day to the next but you can prepare for it. Having a life insurance plan is an effective way of protecting you and your family from life’s uncertainties.

It provides peace of mind knowing that should the worst happen, your loved ones will have the financial security they need at such a difficult time.

Mortgage Protection

This plan is designed to pay a lump sum to help pay your outstanding mortgage balance or loan if you die during the term of your plan. Your cover decreases as the amount left on your mortgage / loan decreases.

Term Life Assurance

Term Life Insurance covers you for a specific length of time and pays a lump sum if you die during that term. The level of cover remains the same over the duration of the term or can increase with indexation.

Income Protection

Income Protection is designed to provide payment of a regular income to you or your company should you be unable to work for a period of time due to an accident or illness. A successful claim will be paid until you return to work and is tax as income.

Specified Illness Cover

Specified Illness cover pays a lump sum amount if you suffer from one of the specified illnesses covered on the plan. You can spend the lump sum however you like to maintain your standard of living or to help you and your family cope financially during a difficult time.

Pension Term Assurance

Pension Term Assurance is a form of life cover which can be taken out before retirement age and pays a lump sum if you die during the term of the plan. Tax relief is available at the marginal rate of tax on the premiums you pay.

Estate Planning

This comes in the form of establishing what Capital Acquisition Tax (CAT) might be due in the future and trying to mitigate the cost of this by utilising the various reliefs available. Individuals can use the small gift allowance or effect a Section 72 policy. This is a revenue approved life assurance policy, set up under trust for beneficiaries to pay future inheritance tax.

The cost of each product will depend on your age, your health, smoking status, chosen term, selected product type and agreed level of cover. You must keep paying the premium to remain on cover.

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