You never know what’s around the corner, that’s why its important to ensure that you and your family are protected financially.
If you own your own home you’ll have mortgage protection. But, mortgage protection will only clear your mortgage and nothing else. That’s why Life Cover is so important. It can pay your family a lump sum if you were to die suddenly and provide a form of income replacement - just when they need it most. Here at Tracy Beirne Financial Services I can look after all of your life assurance needs and offer advice from a basic mortgage protection policy, to more extensive life cover including term assurance, serious illness cover and income protection policies.
To find out more contact me on 0861771683 for a free, no obligation quote.
Do you need life insurance?
Not everyone needs life insurance (also known as life cover and death cover). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death.
If you have:
Dependants, e.g. school age children
A partner who relies on your income, or
A family living in a house with a mortgage that you pay – a life insurance policy can provide for them if you die.
DO YOU HAVE ENOUGH LIFE COVER?
Life Cover offers you and your family a safety net in the event that either of you or both of you die during the policy term. Most people only have life cover for their mortgage and tend to forget that their family could be left with a large income shortfall should they die suddenly. Almost 60% of Irish families with children aged under 18 wouldn’t be able to cope if the main earner died or became ill. So protecting your family with life assurance is one of the most important financial decisions you can make.
What kind of Life Insurance do you need?
If you're thinking about starting a Life Insurance plan, you may feel overwhelmed in the face of so many options. We can help you decide which kind of policy will work best for you, and we're here to talk you through your choices.
- I want to protect my family if I die or become seriously ill.
- I want to protect my business.
- I want to protect my loved ones from a large inheritance tax bill.