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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=68b78e5e5d8d5c3db7916913a61f8f8223825e4a (2016-04-26)
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  • Why Do You Need Family Protection or Mortgage Protection?
    To Pay Off Debts and Other Expenses In addition to providing income to cover everyday living expenses your family needs insurance to cover any outstanding debts like the mortgage credit cards and car loans Other expenses include funeral and burial costs that can easily run into the tens of thousands of dollars You don t want your spouse parents children or other loved ones to be left with any extra financial burden in addition to the emotional burden they re already suffering 4 To Add More Financial Security Like most parents you probably want to know your kids will be well taken care of when you re gone You not only want them to get a quality college education but to provide for other life ventures like getting married or starting a business For this reason additional coverage is absolutely essential while your kids are still at home 5 To Bring Peace of Mind No amount of money can ever replace a person But more than anything life insurance can help provide protection for the uncertainties in life Without a doubt having life insurance coverage will bring you and your family peace of mind It s one thing you can be sure of and no longer question if they ll be taken care of when you re gone None of us know when we ll pass away It could be today tomorrow or 50 years into the future but it will happen eventually Life insurance protects your heirs from the unknown and helps them through an otherwise difficult time of loss For your low cost life insurance quote log onto www lowcostlifecover ie Anthony Curran is an advocate for your financial future who takes a holistic approach to your needs and goals He will work collaboratively with you to define

    Original URL path: http://lowcostlifecover.ie/blog/item/40-why-do-you-need-family-protection-or-mortgage-protection?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=998b6843eedff7fe60b9a80c4a12499177b47cbc (2016-04-26)
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  • Affordable Health Insurance-Really?
    still receive a regular monthly income This can help provide for your family s needs from the simple things in life such as keeping a roof over your heads and food on the table to ensuring your utility bills are up to date as well as all those expenses you incur every day 3 Valuable Benefits Accident and Sickness Monthly Benefit Hospitalisation Benefit Unemployment Cover Business Failure optional cover Personal Accident Plan We all believe it will never happen to me but I m sure you are aware of someone who has suffered a serious accident either at work in a car or at home Just ask yourself what would happen if you suffered a serious injury It s likely you ll need to take some time off work to recover which could hit your earnings And then there are other financial costs perhaps you ll need to make changes around the house or other expensive lifestyle changes Let s not forget the inconvenience and disruption to your life and those around you either This is why the Affordable Health Insurance ie Accident Plan could prove invaluable It pays out a lump sum benefit if you suffer a specified injury With up to 200 000 of benefits it means you can concentrate on getting better without having to worry about money Covers injuries from winter sports rugby football and GAA plus many more No excluded occupations although please refer to the Policy Document for full information about policy exclusions Income Cash Plan If you were unable to work due to accident sickness or hospitalisation how much money would you lose Could you still pay your bills and continue to buy all the things that you want Introducing Affordable Health Insurance ie Income Cash Plan Our Income Cash Plan pays you

    Original URL path: http://lowcostlifecover.ie/blog/item/39-affordable-health-insurance-really?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=33ec11dd109d562648039b8323bfa0863068ab28 (2016-04-26)
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  • Financial Planning for the future
    personalised income statement and a plan for paying off any loans 5 You cannot answer the above questions as you have a competent financial adviser who looks after your affairs Viable plan If your answer to the first four statements is an unequivocal yes then it is very likely that you have a documented and viable long term financial plan and the required products and services to meet your needs Unless you are a financial adviser or someone with a high level of financial literacy and experience then it is likely that this plan was prepared for you by an authorised financial adviser If your answer to the five statements is no then why is this the case Our research and supporting anecdotal evidence highlights one important reason for this but not the most important This is due to the impact of the protracted economic slowdown and austerity measures on most peoples income When households are encountering financial pressure then financial planning requirements will be sacrificed to allow available income to be used to pay for day to day expenses According to research undertaken by Friends First in 2013 67 of households finances have experienced a reduction in income over the last 12 months a rise of 15 over the previous years plus 6 A rise of 15 has seen their household income reduced over the past 12 months 7 63 of participants without a pension do not have one as they cannot afford it 8 20 of participant reduced pension contributions in the last 12 months 9 49 of these have stopped contributing altogether a rise of almost 10 compared with the previous year 10 One in five were unable to meet all of their monthly financial commitments with mortgage commitments being the primary stress factor 11 Almost half of participants without a pension would be encouraged to start one if they were automatically enrolled into a voluntary pension scheme Informed decisions If you do not have the income to pay for your financial planning needs then it is understandable that some of these will be sacrifice but if you are an employee there are tax efficient ways for your employer to fund your pension and life cover and you should ensure that these option are fully explored with your financial adviser and employer However the economic slowdown is not the main reason consumers have been reluctant to financially plan for the future as before the economic slowdown government research from 2008 highlighted that less than 50 of people had a private pension and this number included state employees so when they are excluded the number of uncovered private sector workers without a pension was over 60 This is due to a factor we know as short termism where people spend money today earned or borrowed and fail to sacrifice short term spending so they can divert income into saving for the long term and in providing for contingencies The outcome from failing to plan can be economic hardship

    Original URL path: http://lowcostlifecover.ie/blog/item/38-financial-planning-for-the-future?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=34202516e5ceee1643c7833baa32b590d4a313dc (2016-04-26)
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  • Hey Superwoman – yes I mean you!
    a given This is brought home to us in Irish Life every time we look at all the life insurance and specified illness insurance claims we pay to our customers Some of Irish Life s 2013 claim statistics Paid out 168 million in life and specified illness insurance claims to both men and women Paid out 579 life insurance claims and 344 specified illness insurance claims to women 38 of all life and specified illness insurance claims are paid to women The average age of women making specified illness claims was just 53 The most common cause of claims for women is cancer malignant followed by stroke resulting in permanent symptoms Paid one customer who was diagnosed with a benign brain tumour 100 000 She only had her plan in place with us for 12 weeks Paid a family of a customer 100 000 when she passed away from sudden adult death syndrome She had her plan for just 2 years Most women make a big contribution to their households either through working or looking after the family so it s important to consider the financial impact if something were to happen to you I know it s not a happy thought but maybe just for today imagine what would happen if you couldn t be Superwoman someday You can get a quote for life insurance here Anthony Curran is an advocate for your financial future who takes a holistic approach to your needs and goals He will work collaboratively with you to define what success and financial independence mean to you and how best to achieve them Anthony is well qualified to provide long term support and guidance on a variety of financial challenges and will help you focus on what you can control Defining your own financial freedom

    Original URL path: http://lowcostlifecover.ie/blog/item/37-hey-superwoman-yes-i-mean-you?tmpl=component&print=1 (2016-04-26)
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