Financial Protection for the Family
A flexible plan which allows change, through the Life Cycle can be the answer. Every family’s needs are individual, so get a tailor made package to suit YOUR needs at all stages.
You can take out a short term plan with a large sum assured for when you need cover most, and convert it to a lifelong plan with a smaller sum assured at a later date. Both plans have specific cost and cover so you can have certainty and peace of mind.
Young Unmarried Couple with a home
- 1 in 10 Adults in Ireland are cohabiting
- You need to protect against TAX for surviving partner
- A partner is only entitled to a Tax free amount of €15,075.
- Remainder of inheritance is taxed at 33% (Including the value of the Family Home)
- Policy may be taken to pay tax on death, allowing home to transfer to your partner tax free.
- See Inheritance Tax
Young Married Couple with children
- 90% of parents in Ireland, say that they would do anything for their children*
- Almost 50% of parents in Ireland have NO life cover*
- Of the ones who have, 40% have only Mortgage Protection*
- You need to protect your family’s future
- If you have ever worried about not having enough, What if your family had nothing?
- Protect against money worries and sleepless nights
Single Parents
- Almost 1 in 4 children in Ireland live in single parent households
- You have the responsibility of being the sole provider for your children
- How would your financial support be replaced if you died
Stay at Home Parents
- It’s estimated that the economic value of a stay at home parent, is about €50,000 per annum*
- Think of the replacement childcare and housework costs
- Would the “Breadwinner” be able to continue working?
Empty Nest Couple
- Your Life Policy may have become very expensive
- You may not require such a large amount
- There are options, and the sooner you act the better
- You may need to safeguard your assets against the Tax man
Talk to our specialist
Life Cover
Team Today
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