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.


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.

Family Protection

When you have a family, your priorities change. Instead of thinking only of yourself - you're dedicated to looking after your family and their needs. What would happen if the unexpected happened and you weren't able to provide for your family? A life insurance plan can be used to safeguard your family from the financial uncertainty and hardship that comes with serious illness or death. There are a number of options to choose from, depending on your circumstances.


Whole of life cover is an insurance plan that lasts for a whole lifetime, and is not limited to a specific term. If you pass away this policy will provide a lump sum payment to your family. This plan will also protect your loved ones from the burden of inheritance tax.



People are living longer than ever before. As a result, the chance of being diagnosed with a serious illness at some point in your life is greater. Many illnesses that were once incurable can now be treated successfully. However, this can lead to additional expenses while you recuperate.

What is serious illness cover?

Some illnesses can have a significant impact on your life. They can stop you from working and your recovery may require assistance and time. That's where serious illness cover comes in. Serious illness cover (sometimes called critical illness cover) provides you with financial support if you are diagnosed with a serious illness*.


A Term Protection plan brings you life insurance over an agreed term. If you die or become ill during this term, your family will be provided for financially. It may make sense to avail of this cover for your key working years, when you have dependents who rely on your income


Pension Term Protection is life insurance that covers the period of time up until retirement. If you die during this term, your family will receive a payment to ensure they do not suffer financial hardship. There is tax relief available on the premiums you pay under this plan.

Mortgage Protection

For most of us, buying a home is a major financial commitment. So it's important that we have cover in place to protect your home, if the unexpected happens. A mortgage protection plan will pay off the outstanding balance on your mortgage if you die or become seriously ill. Bringing you peace of mind in the knowledge that your family home is secure, no matter what happens.



Mortgage Protection is a dedicated type of life insurance. It helps secure the ownership of your home by paying off the outstanding mortgage if you die within the specified term. Your family would therefore be relieved of the financial burden of repaying the mortgage, should the unexpected happen.


Designed to pay off the remaining mortgage debt on repayment mortgages if death occurs within a set period.

*It ensures your dependents needn’t worry about repaying the mortgage in the unfortunate event of death.

*The cover decreases in line with the outstanding mortgage debt (if you have a Capital Repayment mortgage).


Anyone taking out a mortgage is obliged to have mortgage protection in place. Many people take up a policy with their mortgage provider.


*We would strongly recommend you start a policy when you take out a mortgage.

*It is essential protection and, if set up correctly, should not be too expensive.

*We can research the market and find the most appropriate and cost effective policy for you.

Business Protection

Business protection will ensure your company continues to run smoothly in the event of serious illness or sudden death of key employees or shareholders.Hard-working, creative and valued employees are the most powerful assets available to any business. That's why it makes sense to protect against the loss of certain key members of staff, bolstering your company against the financial and operational fall-out of such an event

Safeguard the people who matter most to your success


With Business Protection, you’re giving your company an extra degree of long-term stability and reassurance, by enabling your organisation to protect itself against unforeseen challenges to its future success.

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.
Whether you're looking for protection for your family, or cover for your business - we can help you find the right insurance plan.

Call us today

and discuss how best to protect you and your family’s future.