Life can be unpredictable
It is human nature to think it won’t happen to me.
It is our role to make sure you are aware of the risks and have more information about the potential solutions to protect you and your loved ones financially.
It will give you peace of mind and security for your financial dependants, knowing your liabilities and living standards are taken care of should life take an unexpected turn.
Protect yourself and your family with life and specified serious illness cover
With life insurance, specified serious illness cover, income protection/disability cover and mortgage protection - we have access to the widest range of options.
What types of personal insurance are available?
Guaranteed term insurance.
This is life insurance cover for a specific period of time. It is designed to protect your family financially if you die or become seriously ill. There are different types of term protection.
Cancer over.
There are few families in Ireland that have been unaffected by cancer. Cancer Cover pays a lump sum if you are diagnosed with specific types of cancer during the policy term.
Guaranteed mortgage term insurance.
Is used to secure the ownership of your home and protect your family if you die within a specified term. The cover decreases during the term of your plan, as your mortgage balance reduces. There are different options available.
Pension guaranteed life cover .
There is tax relief available on contributions made into a pension plan. Pension Guaranteed Term Protection is life cover with similar tax relief - up to 40% - on the regular premiums you pay. There are different options available.
Income protection.
Income protection covers a proportion of your income if you cannot work because you are ill or injured (as defined in the policy terms), so you can worry less about finances and focus on your recovery. There are different options available.
Inheritance tax guaranteed whole of life cover.
Whole of Life Cover is different to regular life cover in that it lasts for a lifetime and not a specific term.
Your beneficiaries may be liable to Inheritance Tax when you die. Whole of Life cover - known as a section 72 policy - can be used to reduce this liability ad protect your loved ones from a tax bill.
Specified serious illness cover.
People are living longer than ever before. As a result, the chance of being diagnosed with a serious illness at some point in your life is greater. Serious Illness Cover pays a lump sum if you are diagnosed as suffering from one of a number of specified serious illnesses (including cancer, heart attack and stroke – the principal reasons for claims) or need to undergo specific surgery
Life-long insurance
Life Long Insurance also known as Whole of Life Insurance, covers you for the amount that you choose for the entire length of your life. This plan pays a lump sum when you die.
*What is not covered.
Unfortunately, not all circumstances, including:
Not paying your premiums. If your payments stop, so does your cover. There are some providers with exceptions to this, so always check your policy conditions and discuss options available with us.
No cash-in value; these policies usually have no cash-in value at any time. There are some providers with exceptions to this, so always check your policy conditions and discuss options available with us.
Death outside the policy term; you choose how long your policy lasts. Once it's finished, then your cover will stop and the Life Assurance Company will not pay out if you die. There are some providers with exceptions to this, so always check your policy conditions and discuss options available with us.
Suicide and self-inflicted injuries in the first year; you won't be covered if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury.
Always check your policy conditions - limits, exclusions and limitations.