Protection Planning
Protection planning is your financial safety net, protecting you and your loved ones from life’s unexpected events. Whether it’s illness, disability, or other challenges, it safeguards your income, assets, and lifestyle. Just like insurance for your car or home, it gives you peace of mind, knowing you’re prepared for whatever comes your way.
the process
We carefully assess your needs to match you with the most suitable protection plans.
We compare quotes from Ireland’s top providers to ensure you get the best value for your coverage.
We assist you with the entire application process and handle the paperwork, making it simple and stress-free.
We conduct yearly reviews to keep your policies up to date, ensuring they continue to meet your evolving needs.
It’s estimated that only about 17% of employed individuals in Ireland have income coverage, leaving a massive 83% without any financial safety net. [Source]
Be prepared
Your income is like the engine that keeps your life running – without it, everything can come to a halt. If your employer doesn’t provide coverage, it’s important to have a backup plan in case illness, injury, or disability prevents you from working.
Income Protection is like a safety net for your salary, ensuring you still have an income if illness or injury prevents you from working long term. It helps cover a percentage of your salary to ensure you can continue to maintain expenses like your mortgage, letting you focus on your recovery without financial worry. Think of it as a backup plan for life’s unexpected moments. Our experts are here to help you find the right policy to keep you secure, no matter what happens.
Mortgage Protection Insurance insures your home, ensuring your family won’t have to worry about mortgage payments in the event of your death. It guarantees that your mortgage will be paid off, relieving your family of financial stress during a difficult time. This coverage provides peace of mind, knowing that your loved ones won’t have to worry about keeping up with mortgage payments. Let us guide you in choosing the best coverage for your peace of mind.
Life insurance provides essential financial protection for your family, making sure they are supported if you pass away unexpectedly. It offers a lump sum payment during the policy term. This coverage can give you peace of mind, knowing your loved ones will have financial stability during difficult times.
A life protection policy, commonly known as life insurance, is a contract with an insurance company that pays out a lump sum (called the death benefit) to your beneficiaries when you die.
To provide financial protection for your family or dependents in case you die. It can help cover:
This depends on:
A beneficiary is the person (or people) who will receive the insurance payout when you die. You can name more than one and assign percentage shares.
It depends on a number of factors which include age, sum assured and your health, there are standard limits for age and sum assured which we can advise in advance, requirements on a health basis are determined by the answers on the application form you will be asked to complete.
This will be determined by your will and who the benefits are payable to, this will be managed by your solicitor. For a spouse there will be no tax implications.
Income protection insurance is a policy that replaces a portion of your income if you’re unable to work due to illness or injury. It provides regular payments (usually monthly) to help you meet your living expenses while you recover.
An Income Protection policy will typically cease at your chosen retirement age.
This is the time you have to wait after becoming unable to work before payments begin—commonly:
Specified illness cover (or critical illness insurance) pays a tax-free lump sum if you’re diagnosed with a serious illness listed in your policy conditions. It’s meant to help you financially while you recover or adjust to life with a long-term illness.
Each policy has a defined list of illnesses.
No – you can still claim if you’re diagnosed with a specified illness, even if you’re still able to work or choose not to stop working, the determining factor is that the illness is in the define list of illnesses in the policy conditions.
You still get the full payout as long as:
Usually only one claim is allowed for the full amount. However, some policies offer partial payouts for less severe conditions (e.g. early-stage cancer) and keep the policy active for future major illnesses.
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