Insurance
Term Assurance
Decreasing Term Assurance Plan provides life cover which is designed to decrease in line with the reduction of the outstanding mortgage. This means that whilst you can expect the mortgage to be re-paid in the event of your death, you are not paying for more protection than you actually require.
Level Term Assurance Plan policies are a simple, low cost arrangement that gives you the peace of mind of knowing that it provides life cover for the agreed term.
Critical Illness Cover
Many people think of taking out protection for their mortgages in case they die, but how would you cope if you suffered a critical illness or disability?
Critical Illness Protection Plan policies are designed to provide a lump sum during their term on diagnosis of any critical condition as defined under the terms of the policy. This means that you can be reassured that money will be available at a time when a critical condition might seriously affect your financial position.
Income Protection
Have you considered how you would continue to pay off your mortgage and other household bills if you were unable to work due to an accident or sickness? Income Protection Plan policies will provide a regular income for you should you be unable to work due to an accident or illness. This means that you can be assured of essential financial stability from the end of the Deferred Period until either you return to work or the policy ends.
The level of weekly benefit proposed for Income Protection policies is based on your current earned income. The amount that might actually be paid in the event of a claim will be affected by two things - first, the amount of any increase in income and second, your entitlement to the Incapacity Benefit paid by the State.
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