Key Person / Partner

Have you considered the impact your death, the death of a key employee or business partner would have on your business?

As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family and your business? Would your family stay in the business or would they sell it?

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Dental Insurance

Dental Insurance to Suit all Ages and Budgets We all want a healthy smile and good oral health but sometimes the costs can really add up. In fact, research shows that 56% of people in Ireland avoid visiting their dentist due to cost (Empathy research, 2013). But avoiding dental treatment can have a long term effect not only on our dental health but also on our general health and wellbeing.

How Dental Insurance Can Help

When you visit your dentist, DeCare Dental’s Healthy Smiles plans provide 100% cover for the cost of your exams, x-rays and cleanings and give great financial protection if you have a dental emergency or need more expensive dental treatment. So you can save money on your dental bills and protect your smile for life.

From Just €135.24*per year get 100% immediate cover for:

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Who needs life insurance?

We don't need as much life insurance as life insurers would like to sell us! You don't want to buy insurance you don't need. Here's how to figure out whether you need it and how much you need.

To avoid buying life insurance you don't need, ask yourself a simple question:

If I die, will my family or loved ones miss my income or financial support?

That's the key question for most of us. If you can't think of anyone that you care about who depends on you financially or for other support (e.g. in the home), life insurance isn't for you.

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3 Top Tips

 

Please take a minute to read our 3 top tips for mortgage protection policies.

 

1.       Most mortgage protection policies are assigned to banks to cover loans from borrowers, but what most people don’t realise is that you don’t have to use the same company that provides the mortgage and you can change the provider at any time, if you can find a better price. There has never been a better time to review your cover. For example one provider is offering to match the lowest price on the market and then give an additional 10% discount for the full term of the policy. Terms and conditions apply.

 

2.      If there are two people on the mortgage, the mortgage protection is normally sold on a joint life first death, decreasing term

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Save up to 40% with Tax efficient life cover.

Chances are you were never informed that you can save up to 40% on your life cover. This is one of the best kept secrets in the insurance world.

We all know taking out Life Cover is a good idea...

But sometimes with all the other demands on your income such as mortgage payments, utility bills, holidays, school fees, the weekly grocery shop... it can be hard to see how to budget for Life Cover. However, there is a solution available that delivers the peace of mind that comes from knowing that these expenses can be covered should you die. In fact, it can cost up to 40% less* than a regular Term Assurance policy.

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Co-Director’s Insurance, Corporate Co-Director’s Insurance and Keyperson Insurance?

What is the difference between Co-Director’s Insurance, Corporate Co-Director’s Insurance and Keyperson Insurance?

Co-Director’s Insurance and Corporate Co-Director’s Insurance are put in place so that in the event of a director dying in the company, the surviving directors or company have the funds to buy back the shares from the deceased’s personal representatives.

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Income on Death

Family Income Benefit:   This is a frequently ignored form of life insurance, even though it offers appropriate cover for many people, and is cheaper than traditional forms of term assurance. A family income benefit policy will pay a monthly income to your loved ones, rather than a lump sum. This is a big selling point, as you may not want to leave your loved ones having to make complex investment decisions with the lump […]

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How much do you need?

  How Much Life Insurance Do I Need?   There is no exact “how much life insurance” figure that you should put in place so don’t worry about trying to calculate an exact amount.   There are two ways to calculate how much life insurance you need:   1) Lump Sum Life Cover   Life cover leaves a lump sum to replace your income when you die? Here are two typical ways to calculate you […]

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Accident & Sickness Cover

Accident and Sickness Cover   What would happen to you and your family if you fell ill or had to take time off work? Where would the money come from? Who would pay for the mortgage and everyday household bills? You can forget holidays, treats for the children and any new things around the house.   IMPORTANT STATISTICS Over 100,000 people are claiming Disability Benefits or Allowance Heart disease is Ireland’s No 1 Killer – […]

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Permanent Health Insurance

Permanent Health Insurance An Income Protection policy is a simple, tax efficient & inexpensive plan that provides you with a source of income if you are unfortunate enough to be out of work and suffer a loss of earnings as a result of a illness, disability, an injury or an accident If you were unable to carry out your normal occupation for a prolonged period due to an illness or injury, could you continue to […]

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Life Insurance

Do I Need Life Cover? Simply put – If someone would suffer financially on your death then you need life cover. Please see below the different categories of people who need life cover.   1. Parents 2. Couples with no children 3. Self Employed 4. Retired 5. Single with no dependents  A) Parents As you know, having a child changes everything. But did you know it also changes your life cover needs? As parents we […]

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