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Why not make sure your loved ones are taken care off financially ...

Sports cover

Ideal for :

Indoor Foot-ballers

Mountain Bikers

Road Runners

Hill Runners

GAA Players

Rugby Players

With everyone these days becoming more 'health conscious' and turning to sports as a way of keeping fit, We can provide you with a policy that pays you up to 50% of your salary should you become unable to work as a result of injury, either on or off the pitch.

We provide you with a useful add on which pays out between €1000 - €3000 depending on what bone you break. All this for as little as €20 per month.

* Remember, there is no obligation on your employer to pay sick pay... We need to look after ourselves .

Below is an example of the injuries and amounts we pay out :

Life Cover

This cover is designed to provide a lump sum in the event of death. The financial difficulties that can result from death of a family bread winner or a key employee are fairly obvious . If you think you may be under-insured ,try our new Life protection calculator. Just click on the link.

                                   Life cover calculator

Are you paying too much for your life Insurance ?

Income Replacement
Otherwise known as PHI provides an on-going income right up until retirement should you be unable to work as a result of an illness, injury or disability . We have a new calculator that makes it easy to find out how much cover you may need. Just click on the link.

                                 Income Protection Calculator

Could you live on the current social welfare benefit ?

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Serious Illness Cover
On the diagnosis of one of the listed specified illness’ such as Heart Attack, Stroke Cancer etc. (some policies cover in excess of 41 illnesses) a benefit usually by way of a lump sum is paid out and some companies even paying a partial amount upon diagnosis of certain illnesses.

Does your current policy cover you for serious illness ?

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Mortgage Protection
This is a type of life insurance policy required by lending institutions when you take out a mortgage. Mortgage protection life insurance provides a lump sum in the event of your untimely death. The cover amount reduces over the term of the policy, generally the same term as your mortgage. This is a cost effective form of life insurance.

Are you paying too much for your Mortgage Protection ?

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Co-Director Insurance

Co-Director Insurance makes funds available to buy a director's shares from their successor when the director dies

So why take this out ?

Surviving directors can lose control if a deceased director owned over 50% of the company   .

Would your business survive the death of a business partner?

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Key Person Insurance

In general, it can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified.

The aim is to compensate the business for losses and facilitate business continuity. Key person insurance does not indemnify the actual losses incurred but compensates with a fixed monetary sum as specified on the insurance policy.

Would your company turnover suffer from the death of a key person?                                                                                                          Return to the top

Over 50's Life Insurance

No medical questions, guaranteed acceptance, 1st month's cover free, get a quote for our Over 50's Life Cover now.

Key features

        Up to €25,000 cover

        Guaranteed acceptance for those aged 50-80

        No medical questions asked

        First month's payment absolutely free when you apply online

Would you like life insurance without ANY medical questions?

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Section 72 policy
Relief was introduced by Section 60, of the 1985 Finance Act (now contained in S.72 of Capital
Acquisitions Tax Consolidation Act 2003) to allow people to plan for the payment of Inheritance
Tax in an efficient way.
If a life assurance policy is put in place to provide for the tax, the Revenue will not charge
Inheritance Tax on the policy proceeds if the money is used to pay Inheritance Tax arising on
the death of the lives assured under the policy.

What are the Inheritance Tax limits?

So in real terms, if a parent wills €500,000 in cash or wills the family home to a child, then the first €250,000 is tax free, the remaining €250,000 is taxable at 30%. So an amount equal to €75,000 is due in tax. A section 72 policy would pay this tax on death and there by the relative gets the full €500,000 tax paid.

Why not check out how inheritance tax issues may will effect you by clicking on one of these links

Non-Married Couples link .

Passing on Business Assets link.

Would you like a policy that pays any Inheritance tax issues?

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Section 73 policy
Section 119, of the 1991 Finance Act (now S.73 CAT Consolidation Act) introduced a
complementary relief for the proceeds of certain policies in the payment of Gift Tax. The policy
proceeds in the event of a full or partial surrender would be exempt from Gift Tax when used to
pay Gift Tax in connection with a lifetime gift made by the owner of the policy relief was introduced by Section 60, of the 1985 Finance Act (now contained in S.72 of Capital
Acquisitions Tax Consolidation Act 2003) to allow people to plan for the payment of Inheritance
Tax in an efficient way.
If a life assurance policy is put in place to provide for the tax, the Revenue will not charge
Inheritance Tax on the policy proceeds if the money is used to pay Inheritance Tax arising on
the death of the lives assured under the policy.

Section 73 is designed to allow people to use the cash value of a savings plan, or combined life
and savings plan, to pay Gift Tax during their lifetime.

Would you like a policy that pays any gift tax issues?

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For further information click here: