Family Protection

 Life Insurance

A life insurance policy is designed to protect you and your family from the financial hardships caused by an untimely and early death.  This is particularly important if you have a young family.

Whether you have just started a family and want to ensure your dependants are financially secure, or if you have a mortgage and want to make sure it can be repaid, let us take you through your options.  We can give you access to all the main insurers and arrange cover appropriate and specific to your needs.

Even if you have existing life assurance and wonder if it sufficient for your needs or if your circumstances have changed in recent times, we will be more than happy to review this on your behalf.

Income Protection & Replacement

For most of us, our income is our most important asset. Without it, how can you expect to pay for everything else?  Ask yourself the following questions:  

• Have you ever considered the consequences of being unable to work for a period and loosing your income? 

• How long do you think your employer will continue to pay your salary if you are unable to work?

• If you are Self Employed or a Company Director, did you know you are not entitled to State benefits if you are unable to work?

Income protection is designed to replace your salary in the event of you being unable to work.  In addition to protecting up to 75% of your salary, you can reduce the cost by claiming tax relief on your premium. 

It is your most important asset and should never be taken for granted.

Serious Illness Cover

Serious Illnesses by their very nature have a financially crippling effect. Although your income may be protected, the expense of medical care not covered by health insurances, short-term debt and mortgages can create unnecessary financial pressures.

Serious illness cover provides a tax-free lump sum on diagnosis of a serious illness. This provides you with the ability to dispose of any outstanding debts and therefore reduces the financial pressure created during such a situation.