We specialise in Pension, Investment and Life Cover & Protection Advice for Employees

 

What is a life cover? 

Life insurance or life cover pays out a tax-free lump sum if you die during the term of the policy. It’s possible to have single life cover, where only one person is insured, or joint life cover or dual life cover, where two people are insured under the one policy.

Life insurance can give you peace of mind that your loved ones will be kept financially secure if the worst should happen.

You can also purchase Whole of Life Cover which covers you for the entirety of your life.

Do I need life cover?

As with most insurance it's subjective whether or not you need life cover. 

You may need cover if you have a family or others who rely on you for financial support or if you have no other life insurance benefits through your job or pension plan. If you have a young family, you will need more life cover than if your children are older, because the benefit will have to last longer.

You also may not need cover at all if you have no dependents or no one who relies on your income. You may also have cover from a pension plan or through work. 

Speaking with an advisor is always recommended to ensure you are making the correct decision.

How much cover do I need?

A fair question but unfortunately there's no easy answer. How much cover you need depends on your financial situation such as outstanding debts, mortgages, children etc. Conducting a financial review will allow you to determine how much cover you would require.

How much does it cost?

Similar to the above question the question to this question is also subjective, it depends on how much cover you need combined with factors regarding your health situation. 

Here's a sample quote:

A couple both aged 35 that are non smokers want cover of €250,000 for a 25 year term. 

This will cost them €81 a month for 25 years which is a total of €24,300 paid throughout the term. If either of them die within the 25 year term of the policy they will be awarded €250,000 on each death. This particular policy also includes some whole of life cover which means that even after they stop paying their premiums in the 25th year of the policy they will still be entitled to a minimum pay out of €30,000 on each death.

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