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Life Cover
We all know that we need to protect our families and ourselves against
the financial headaches that are caused by a death in the family.
The idea of life cover is to protect against loss of income that
a death may cause when it is needed most.
All the same bills will still have to be paid - Loan repayments, household
bills, motoring costs, food and general living expenses- financial
worries are the last thing any family needs during times like these.
Serious Illness Cover
This cover provides a lump-sum payment when diagnosed with one of
many illnesses outlined in each policy’s “customer guide”.
Again this is an important type of cover as you are likely be out
of work for some time and will still need to pay the usual bills
and may even have substantial medical cost to pay as well.
Income Protection & Accident Benefit
Income protection and Accident Benefit is a very important area to
look at especially for self employed people, as you will not receive
any social welfare in the event of you being off work due to an
illness or accident.
Income protection will pay out a maximum of 75% of your monthly salary
if you are off work for a period of 13 weeks or more and will continue
to pay this benefit up until your normal retirement age.
Accident Benefit will pay ½ your monthly salary after 14 days
if you are off work due to any kind of an accident and will continue
the payments for a maximum period of one year.
Both products will help cushion the loss of income you and your family
may suffer in the event of something happening.
Savings & Investments
We all need to have some money on deposit
in case of emergencies, but unfortunately you will never achieve
high returns on this type
of account. To try and combat this we have a 7-day deposit with attractive
interest rates for your emergency money. For longer-term savings
we offer a wide range of investments varying in volatility from high-risk
funds to Guaranteed funds.
We also have a wide range of regular savings plans which can be tailored
for specific purposes- Educational Fee’s, Wedding costs, Building
that extension. Again which fund we invest your money in depends on
our attitude to risk, be it a high risk fund or a guaranteed fund.
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| John O'Sullivan |
| QFA (Director) |
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| (071) 9148884 |
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| Ciaran Meade |
| Pensions Advisor |
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| Phone |
| (071) 9148884 |
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| John Nicholson |
| Advisor |
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| Phone |
| (071) 9148884 |
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Protection
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20 November 2008
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| | | | 1 year Fixed | 5.05% | | Tracker | 5.05% | | Variable | 4.75% |
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