what is life assurance??

“Life assurance is protection and peace of mind that if there is an unexpected death or illness in your family then the family has a financial cushion to fall back on.”

Over the last 12 years i came across a few sad stories where a parent had put the Life insurance policy on hold and unfortunately an illness or death occurred.

I have delivered my fair share of cheques to clients and their families at this stage and can’t stress how happy they were to have had the policy.

I and they know it will never replace the person but it will give the family a hell of a helping hand in dealing with a death or serious illness.

Life insurance has never been cheaper and a family in their thirties can be reasonably well protected for €40 per month.

We have all been to local fund raisers down the local pub after the unexpected death of a loved one and now their financially crippled.

When i sit down to do a review with people i stress life insurance first …

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Why Income Protection??

Life can have its ups and downs but with Income Protection you will be prepared if illness or injury prevent you from working for a period longer than 2 months.

Income protection can give you a replacement income if you can’t work because of an accident or illness. You can still pay your bills and maintain your family’s lifestyle while you concentrate on getting better.

The mains benefits:

Get a replacement income until you go back to work or retire Make as many claims as you need Claim tax relief on your monthly payments Get access to rehabilitation, consultants, Councillors, career change specialists and more

These policies are very affordable and we can all claim tax relief on them or we can set them up so that your company pays the premium.

Call or email me today for your quote at darragh.farrell@yes.ie or 01 6339245

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Life insurance and family protection

Over the last 12 years i came across a few sad stories where a parent had put the Life insurance policy on hold and unfortunately an illness or death occurred.

I have delivered my fair share of cheques to clients and their families at this stage and can’t stress how happy they were to have had the policy.

I and they know it will never replace the person but it will give the family a hell of a helping hand in dealing with a death or serious illness.

Life insurance has never been cheaper and a family in their thirties can be reasonably well protected for €50 per month.

We have all been to local fund raisers down the local pub after the unexpected death of a loved one and now their financially crippled.

When i sit down to do a review with people i stress life insurance first before the savings plan ,pension etc,while these are important they don’t come near the power of the life insurance policy.

I can assure you it’s the most important policy you and …

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Been honest with your Life insurance

Recently i had a client who had a serious illness and his wife called me for a claim form.

Usually we sort things out fairly snappy and they receive their lump sum payment within a few weeks.It’s a part of my job that i receive massive satisfaction,obviously not that the client took ill but that we can help take the financial burden of medical/living costs away.

When the insurance company looked for information from his doctor ,it was completely different to what they were told.Unfortunately the claim wasn’t paid and all he got was a refund of his premiums.

 

What I’m saying here is don’t pay for a policy that won’t cover you,be honest.Tell the adviser all your medical details,(ie if you take a blood pressure tablet etc).Also don’t try to play the smart ass and say you don’t smoke if you do ,again this does lead to non-payouts from Life insurance companies.If you haven’t smoked in the last year then yes, you are a non smoker,the odd sneaky one on a Saturday night is deemed a smoker i’m …

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Life insurance and family protection

Over the last 12 years i came across a few sad stories where a parent had put the Life insurance policy on hold and unfortunately an illness or death occurred.

I have delivered my fair share of cheques to clients and their families at this stage and can’t stress how happy they were to have had the policy.

I and they know it will never replace the person but it will give the family a hell of a helping hand in dealing with a death or serious illness.

Life insurance has never been cheaper and a family in their thirties can be reasonably well protected for €50 per month.

We have all been to local fund raisers down the local pub after the unexpected death of a loved one and now their financially crippled.

When i sit down to do a review with people i stress life insurance first before the savings plan ,pension etc,while these are important they don’t come near the power of the life insurance policy.

I can assure you it’s the most importance policy you and …

Read More

Yourself and your family is the most important insurance.

I see it every day,people calling me panicking over their home insurance because the price has gone up €80 and can i get them a better deal?

Other people ask me questions on their pets and what’s best insurance policy to take out on them.Car insurance queries are non stop also.

A lot of people are guilty of insuring their cars,homes,phones and pets, yet don’t bother with Life insurance,yet when i ask any of my clients what is the most important thing to you in this world,i always get same answer ,my Family.

My partner,my kids,my family.

Why do some people insure and protect everything in their life except their prized possession?

To be fair 65-70% of people would have some kind of life insurance but of those 65%covered the majority of people have not got enough life insurance to make sure their families have enough to Pay off bills and live reasonably comfortably from day to day.

Another thing i hear is ,”ah I’m very healthy, i don’t intend on getting sick”

None of us do my friend, but …

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