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Insurance Ireland, the leading voice of Insurance in Ireland represents 95% of the domestic insurance and 70% of the international Life Insurance market. We use cookies to customise our website for you, giving you the best possible user experience.
Not all life insurance is created equal and in Ireland there are number of different types of packages and options to choose from.
Deciding which is the best one for you and your family ultimately depends on what your specific needs are and how much you can afford to pay. Remember, the best way to shop for the right life insurance for your needs is to research what each package offers, compare rates and plan with a realistic budget. One of the least expensive forms of life insurance you can have and is sometimes required by the bank if you have a mortgage with them. As its name implies, level term insurance remains the same throughout the entire life of the policy, however, you can add additional inflation coverage protection to your policy and the premium will increase without a medical. One of the best choices for the younger generation, this policy is similar to level insurance except that you can convert it to another form of insurance at the age of 65 with a medical exam for a small increase in the premium.
Your income is your most important asset and this policy is extremely beneficial for self employed individuals who are not entitled to state disability. An employed person can also claim a tax relief on the premiums (at their marginal rate of course). Relatively new to the Irish Market, this coverage is for individuals over 50 years of age who do not have any insurance or want to add an additional policy. Guaranteed once the policy premium is paid throughout the life of the policy it can be quite expensive but can also be more cost effective for an older client who is in good health and wants to purchase a policy. Slightly more expensive than a normal policy of this type, it does have a guaranteed death benefit. For more information on all of these insurance stay tuned to our blog and engage with us on our social media. This entry was posted in Life Insurance and tagged Ireland life insurance, life insurance, types of life insurance in Ireland. We are a team of dedicated Financial Advisers located at 3 Itec Business Park 52 Armagh Road Newry County Down.
We passionately believe in providing exemplary levels of service to our customers who are located throughout the six counties of Down, Derry-Londonderry, Antrim, Fermanagh, Armagh and Tyrone. The products that we offer and advise on are Mortgages from the whole of market, Life Insurance, Home Insurance, Unemployment Insurance, Income Protection, Landlord Insurance, Keyman-Keyperson insurance, Partnership Insurance and Co Shareholder Insurance. Choose from Buildings only, or Buildings and Contents insurance combined, Accidental damage cover options for both Buildings and Contents. Our expert mortgage advisers have a detailed knowlege an understanding of the lending market. Sign up to our monthly newsletter and receive useful tips an advice on all areas of personal finance. Sugar Island Financial Advice is a trading name of Sugar Island Insurance Services Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority . The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers in the UK. Will writing does not form part of the Openwork Limited offering and are offered in our own right. Use an independent broker but shop around until you find one you’re comfortable with.
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You can quote for mortgage protection, life insurance, specified illness cover and income protection.
We have designed the quote system with you in mind so it's easy to get a life insurance quote in just 30 seconds.
What is reviewable income protection?What was our most popular life insurance company in the first half of 2016?Can I buy life insurance that gives me cashback if I don’t die?
I had a complex case and was guided from start to finish with expert advice with great professionalism, thoroughness and industry knowledge. Well you could go with one of those rules of thumb that say you get seven times or 10 times your annual salary. If your partner works then providing an income might be less important than ensuring a mortgage or other debts are paid off.
Other  things to consider are the age and number of your children and how long they will continue to be dependents. So if your family were in this position the amount to fulfill all these needs would be €978,000. If your partner is likely to have a significant income then perhaps that is less of an issue and a smaller total amount might be sufficient to cover any debts and to contribute to any future education needs of your children. As a minimum though it’s wise to cover any immediate funeral expenses and to pay off debt that might be a burden on the family. Before you settle on revoking your insurance policy think carefully of that you are about to do. However, take into consideration of what it will cost you in future if you decide to get another policy because it could be considerably pricey than the policy that you currently possess. A person can decide to cancel a life insurance cover for the reason that your initial objective of purchasing the cover has changed. Or maybe, you have been capable of paying extra cash on your loan due low-interest rates and extra revenue.
The most common reason for cancellation of a life insurance policy is lack of money to pay the premiums. Due to tough economic times of today’s world, families need to check on their expenditure and try to trim down unnecessary expenses.
If you cannot be able to pay the premiums, it is advisable to see your insurer and agree to a provisional cut in the monthly payments and go for a lower amount cover. It essential to be honest by disclosing all details such as medical circumstances during your policy application.
If you want to cancel a policy that you recently took you have 30 days to do so without being charged anything.
The insurer should allow you to cancel the policy at no charge: you will stop payment of the monthly premiums and the policy will become void.
Hi Everyone, welcome to my blog where I talk about insurance, how I've made savings and what types of insurance I don't think I can do without. If you continue without changing your settings, we’ll assume that you are happy to receive this personalisation. The idea of this type of insurance is to simply pay off your mortgage should you die before the mortgage has been paid in full.
This is the best option for those who are on a strict budget and want assurance that rates will only fluctuate if they decide to increase it themselves. Should you become ill and no longer capable of working, the cover itself becomes a monthly income covering up to 75% of your gross salary. This coverage pays a lump sum amount in the event of an individual being diagnosed with a specified serious illness covered by the policy.


The policy covers the amount your require for the term you need and then keeps you on a smaller amount of life coverage without payments for up to a maximum of €50,000.
Are you one of many people wondering does your current Home insurance or Landlord insurance policy cover you should the worst happen. Nick answered all my queries in a timely manner and explained all the jargon in a way I could understand easily. We were paying over the odds for mortgage protection but I found the process of changing to be incredibly stressful with so many obstacles. Life Insurance is really just about making sure your loved ones will be looked after financially and don’t have those worries when they no longer have your support. Really though, the question you should answer is, how much would your family need to get by without your income. If you have a very young family then providing a comfortable income for the next 18 years, when your spouse may not be able to work full-time because of bearing the burden of a young family alone, may be necessary. Mortgages, car loans and credit card debt would be high on this list but student loans and other debt might be still hanging around as well. Alternatively, a holder of a life insurance policy may choose to cancel their policy in the event that they get cover from a competitor who proffers a better rate.
For instance, you bought a policy to cover for a particular property such as mortgage repayments, but a boon suddenly comes your way and hence you can be able to clear your mortgage loan early.
In such cases, you should note that though the initial reasons for creating the policy have changed your life insurance policy still will provide your family with the necessary financial security if something happens to you. If a household is struggling to pay their life premiums, it is more of a sign that they need the cover. You will still be covered to some extent and when you get enough cash to pay for your original cover, the premiums should not be more costly than before. Each individual insurance company has its own list and the policy cover things like cancer and heart and stroke disease. In such a family if a parent happens to die such a situation can be distressing due to its financial impact. During this preliminary period, you simply inform your insurer in writing telling the company about your cancellation wish. Also, you should contact your bank to stop the direct debit if you were paying them through direct debit. It comprises of 3 main parts, the period of coverage, the face value of the insurance and the payable premiums. However, if a claim should be presented before the 2 years, premiums paid up to date are guaranteed. Speak to one of our experts today for fee free home insurance or landlord insurance advice. Sugar Island Financial advice can tailor a Landlord insurance policy in meet your individual needs.
In Ireland, your life insurance provides a lump sum to be paid to a particular individual upon your death.



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