The Need for Financial Protection

Most of us take our good health for granted. Unfortunately we are going to have to face the fact that sooner or later death comes to us all. It is important therefore to plan ahead to make sure that your family are provided for in the event of your untimely death.

Mortgage Protection

As independent life assurance brokers Irish Mortgage Network will guide you to the policy that gives you and your family the maximum protection at the most reasonable cost. With a myriad of policies and life insurance companies to choose from, our qualified staff will ensure that you get the policy that most suits your needs.

Critical Illness

Serious Illnesses such as Cancer and Heart Disease occur all too frequently. While most people can now survive these life-threatening diseases it can be extremely difficult to cope with the financial difficulties that follow. Everybody needs some form of financial protection in case the worst happens. There are times when money should be the least of your worries.

Main illnesses covered

Alzheimer's Disease Loss of Limbs Bacterial Meningitis Loss of Speech Benign Brain Tumour Major Head Trauma Blindness Major Organ Transplant Cancer Motor Neurone Disease Severe Burns

Cardiomyopathy Multiple Sclerosis Chronic Liver Disease Muscular Dystrophy Coma Paralysis Coronary Artery Surgery Parkinson's Disease Creutzfeldt-Jakob Disease Rheumatoid Arthritis Emphysema

Stroke Heart Attack Heart Valve & Structural Surgery Surgery to the Aorta HIV/AIDS from blood transfusion or exposure to blood physical assault Systemic Lupus Erythematosus Kidney failure Loss of Independent Existence Loss of Hearing

 

Income Protection

Your standard of living depends on your income. If you suffer from a long-term illness or have a crippling accident you may not be able to work and this may affect your living standards. Income protection insurance provides income to support you and your family if you become disabled and cannot work. Tax relief is available on the premiums you pay on up to 10% of your total income for the year.

A man aged 25 has a 1 in 3 chance of being disabled for 3 months or more before the age of 65.

Co-Habiting / Divorced / Separated

If you are purchasing a house with your partner and you are not married you will need specialist advice in relation to tax planning.
In many cases following the death of one partner the survivor must sell the house he or she already owns to pay the inheritance tax.
Careful planning can save thousands of pounds and untold hardship. Irish Mortgage Network offers advice on how to structure the purchase of a property to minimise the Inheritance Tax liability.