Life insurance pays out a lump sum to a beneficiary such as a spouse or partner if you die during the term of the policy.
It can protect your dependents against financial hardship by replacing lost income and/or clearing financial debts.
You cannot predict what is going to happen from one day to the next but you can prepare for it. Having the facts to hand means you can make an informed decision on what life insurance you and your family need.
A quick phone call to us is all it takes to put your life policy in place.
Imagine the consequences of a serious illness like cancer, heart attack or a severe stroke. The repercussions could not only result in a very negative but also financial impact for you and your family.
Serious illness provides security for you and your family by paying a tax free lump sum in the event that you are diagnosed as suffering from one of up to 91 conditions covered.
A quick phone call to us is all it takes to put your serious illness policy in place.
Multi-Claim Protection Cover pays claims based on the impact caused by a medical condition or treatment, and how severe that impact is. Claims are paid for a range of medical conditions such as MS, medical treatments such as chemotherapy as well as for the inability to perform certain day-to-day tasks without help.
Multi-Claim Protection Cover is an easy to understand policy that protects you for a broad range of possible health setbacks that may impact you and your lifestyle. It is designed to pay out more often, and to cover treatments or illnesses you can easily understand. Some insurance policies only pay out once if you have been diagnosed with a specific serious illness. Multi-Claim Protection Cover is different.
Multi-Claim Protection Cover is designed to give you financial support, aligned with the impact an illness or condition can have on your life. This policy can pay out 5% to 100% of your cover depending on the illness or condition. This means for less serious illnesses or treatments, it will pay out potentially less than 100% of your cover, keeping the rest of your cover in place for any future, more severe illnesses. For illnesses or treatments that have a more serious impact, it pays out a higher amount. Even after a claim for a serious illness, as long as you haven’t claimed all (100%) of your sum assured, you will still have cover in place. You can continue to claim on the policy, as needed, until you have claimed the full amount of your cover.
Income protection provides you with an income if you are unable to work due to illness or injury.
Payments continue either until you are well enough to return to work or your policy ends.
Premiums under current law are eligible for tax relief and this can reduce the premiums by up to 40%
A quick phone call to us is all it takes to put your income protection policy in place.
Minimising the risk to you and your business is of the highest importance to you and your partners.
Business protection can provide the funds to enable the continuing Partners to buy out the shares of a Partner on his or her death.
While Partnership Insurance of course cannot lessen the emotional blow and trauma caused by the death of a colleague, it can help to minimise the financial impact.
A quick phone call to us is all it takes to put your partnership policy in place.
Group Protection plans are designed to provide Income Protection, Life Cover and Specified Illness Cover to employers and employees by offering financial protection in the event of a staff member dying in service or obtaining an injury or illness which prevents them from working.
Increasingly, employers are including protection as part of a remuneration package in order to attract and retain key employees.
A quick phone call to us is all it takes to us to arrange a quote for group protection.
The main purpose of financial protection is to make sure you or your family won't have financial problems of unforeseen circumstances of accidental death or disability.
For a very small proportion of your income, you can put a financial protection plan in place to ensure you and your family would have the money needed if these unfortunate events should happen to you.
A quick call to us is all it takes to arrange a family protection quotation
Inheritance tax is payable to the Revenue Commissioners when the value of assets inherited is higher than a certain threshold amount. With enough cover in place you can protect your loved ones from an inheritance tax bill. By setting up what is know as a Section 72 Life Insurance policy your assets can be passed on and enjoyed by your loved ones rather than being used to pay a tax bill
A quick phone call to us is all it takes to us to arrange a quote for an Inheritance Tax policy.