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Mortgage Protection

If you have a mortgage, you’re required to have mortgage protection insurance. This essential cover ensures that if you pass away or become seriously ill during the term of your mortgage, the outstanding balance will be paid off, protecting your lender.

Types of mortgage protection insurance

• Single Cover: The policy pays out if you die during the term of the policy.

• Joint Cover: The policy pays out  if either you or your partner dies within the term.

• Dual Cover: The policy pays out twice, once for you and once for your partner

Contact us today for a custom quote. Our process is simple: Provide some basic details, and we’ll help you find the right mortgage insurance to protect your future.

Term / Life Assurance

Provide financial security for your loved ones over a set period of your choosing (typically 2-40 years), usually during your key working years. If you pass away during this term, your family will receive a lump sum payment, offering vital support when they need it most.

Why Term Life Insurance is Important

Protecting your family during the years when they rely on your income is essential. With a Term Protection plan, your family is financially supported if you pass away within the chosen term. If a claim is made, a once-off lump sum is paid out. This money can be used to cover essential costs, such as living expenses, childcare, education, or medical bills. You can have peace of mind knowing that your loved ones are safeguarded from financial hardship if the unexpected happens.

Serious illness Cover

Serious Illness Cover is a type of insurance that provides a tax-free lump-sum payment if you're diagnosed with a serious, life-altering illness such as cancer, heart attack, or stroke. This financial support can be used however you need—whether it’s for specialist treatment, day-to-day living expenses, household bills, or even making necessary adjustments to your home.

You can take out Serious Illness Cover as a standalone policy or add it to your existing Term Assurance Plan. This flexibility allows you to create a tailored plan that suits your lifestyle, needs, and financial situation, ensuring that you're well-protected during critical moments.

Is Serious Illness Cover Worth It?

Facing a serious illness can bring a wave of physical, emotional, and financial stress. Being unable to work while dealing with the cost of medical treatments or everyday living expenses can quickly become overwhelming.

Having this cover in place means that if the unexpected happens, you won’t have to worry about how you’ll pay for necessary care or how your family will manage financially. It ensures that you can take the time you need to recover, pay for vital medical services, and keep life running as smoothly as possible for you and your loved ones.

Whether you’re single and covering your own needs or you have dependents relying on your income, Serious Illness Cover gives you peace of mind that you won’t be caught off guard financially during your toughest times. It's an essential safeguard to help you focus on your recovery without added financial strain.

Cancer Cover

Cancer Cover is a type of insurance designed specifically to provide financial protection if you're diagnosed with cancer of a specified severity. Unlike traditional Serious Illness Cover, Cancer Cover’s sole focus on cancer makes it a more affordable option.

If you're diagnosed with a qualifying type of cancer during the policy term, you'll receive a tax-free lump-sum payment, giving you financial flexibility during a challenging time. This cover can be purchased on its own or added to an existing life insurance policy, allowing you to tailor your coverage to your unique needs.

Why Cancer Cover Matters

Cancer is one of the most prevalent serious illnesses in Ireland, and nearly every family has been touched by it. The financial strain that comes with a cancer diagnosis can be overwhelming, with costs related to medical treatment, lost income, and other daily expenses piling up. Cancer Cover provides a vital financial safety net, helping to ease these burdens so you can focus on what matters most—your recovery.

Pension Term Protection

Pension Term Insurance provides life insurance cover specifically designed to protect your family financially in the event of your death before retirement. If the insured individual passes away during the policy term, a lump sum payment is made to their family.

Why Get Pension Term Insurance?

Unlike Term Life Insurance, Pension Term Insurance offers tax relief on premiums paid, as it is structured as a pension product. Unlike savings or investment products, Pension Term Insurance focuses solely on providing protection rather than accumulating cash value, making it a straightforward solution for those seeking peace of mind regarding their family's future.

Whole of Life Protection

Whole of life cover is a type of life insurance policy that provides a lump sum payout to your loved ones regardless of when you pass away. This contrasts with term life insurance, which only ensures a payout if death occurs within a specified term of the policy. Whole of life insurance provides long-term security and peace of mind.

Some providers include Life Events options for this policy, which may incur an additional cost of approximately 10%. Furthermore, if you stop paying premiums at any time after 15 years, you can choose between two types of whole life policy:

1. Protected Cover: The policy is paid-up, but a reduced benefit becomes payable.

2. Protected Cashback: You can take an immediate cash sum at which point the policy (and all cover) will end.

Advantages of Whole of Life Policy

One of the primary advantages of a whole of life policy is its lifelong coverage, ensuring that beneficiaries receive financial support no matter when the policyholder passes away. Additionally, whole of life cover can serve as a tax-efficient inheritance planning tool if set up as a Section 72 whole of life plan. This cover is approved to help pay inheritance tax. If the payout is used for this purpose, it is exempt from further taxation, making it a smart option for managing your estate.

Whole of Life Section 72

Whole life insurance can serve as tax-efficient inheritance planning if set up as a Section 72 whole of life plan.

You can use your Whole of Life policy to help offset inheritance tax liability. 

This is a special insurance policy approved by the Revenue Commissioners under Section 72 of the Capital Acquisitions Tax Consolidation Act 2003.

It is taken out specifically to help pay inheritance tax. The money paid out, when it is used to pay inheritance tax, will not be liable for tax.

Income Protection 

Income protection insurance provides you with a regular income if you're unable to work due to illness or injury for an extended period. This cover is designed to supplement your earnings during your recovery, helping you maintain financial stability while you focus on getting better. 

Available to both full-time employees and the self-employed, income protection typically requires you to work at least 16 hours per week to qualify. It’s important to note that this insurance does not cover redundancy; it is specifically intended for those unable to work due to health issues.

The amount you can insure is generally capped at 75% of your pre-illness earnings, minus any relevant social welfare benefits. The coverage kicks in after a predetermined “deferred period,” which can range from 8 to 52 weeks, and continues until you’re fit to work again or reach the policy’s benefit termination age, usually 60 or 65.

Why get income protection?

Income protection cover is crucial for ensuring financial security in the face of unexpected health challenges. Otherwise, a prolonged illness or injury can make it difficult to cover everyday expenses such as bills and mortgage payments. Additionally, the income protection tax relief on premiums at your marginal tax rate makes this insurance an affordable way to safeguard your income.

Business Insurance 

As a business owner, you juggle numerous financial risks daily. At Financial Planner, we understand that the unexpected can happen, and that's where our tailored business insurance solutions come in.

Why You Need Business Insurance

Losing a key person in your business, whether through death or serious illness, can really shake things up financially. That’s where our Business Insurance comes in—it’s here to help you bounce back and keep your business running smoothly, even when the unexpected hits. Get the protection you need with one of the following types of business insurance:

Partnership Insurance: Safeguard your partnership against the risk of losing a partner. This insurance provides a lump sum that helps remaining partners buy out the deceased's share, keeping your business intact.

Co-Director & Corporate Co-Director Insurance: If a director or shareholder passes away or becomes seriously ill, this policy offers a lump sum to help the remaining team or the company purchase their shares, ensuring a smooth transition.

Keyperson Insurance: Protect your business from the financial impact of losing a vital employee. This insurance covers the costs associated with finding and training a replacement, allowing your business to maintain stability during tough times.

For further information on Business Insurance talk to our Protection Advisor.