Mortgage holders may be leaving their families open to risk
Struggling mortgage holders that have “Restructured” warned that they may be leaving their families open to risk of 000’s in mortgage debt Mortgage holders may be leaving their families open [...]
Life Insurance – How much cover should you recommend?
Identifying the level of cover required for your customer will depend on your customer’s individual needs. The level of cover required will depend on the level of income that needs [...]
Drinking and the Implications for Life Insurance
The Facts Over 90% of the adult population in developed countries drink alcohol. Over half of all Irish drinkers have a harmful pattern of drinking and we continue to rank [...]
Are you paying €3,000 too much for insurance?
Louise McBride 22/03/2015 Irish banks are charging as much as €3,000 more for life cover than brokers are, according to a new survey The survey, by the life assurer Royal London, [...]
Overview of Life Assurance and Mortgage Protection requirements
SL writes from Dublin: After five years of renting here in Dublin and my husband and I are in the process of buying a house. We have mortgage approval from Permanent [...]
Life Cover for Young Couples with Children
The cheapest form of Life Assurance to protect a family is a product called ‘Term Assurance. How to pay less for your life cover. 1. Check the type of policy you [...]
Beware Banks with bundled products and block policies
Beware Banks selling bundled products and block policies. The bank bail out by tax payers and the mis-selling scandals we have witnessed have resulted in no change to the banks [...]
Getting Financial Advice. How Much does it cost?
Financial advisors may get paid by: Salary (where your advisor is employed by a financial services firm) Commission or sales incentive (where your advisor receives payment or bonus from the [...]
Getting the most out of meeting a Financial Adviser?
Before any meeting with a financial advisor It is important to prepare for the meeting. Be clear about what you want. Is it general advice on financial planning, or advice [...]
There are ways to try and reduce the cost
Posted by Jill Kerby on February 07 2010 @ 21:01 MMcH writes from North Dublin: I know you have written extensively about the importance of maintaining life insurance even in [...]
Family Protection Cover For Cohabiting Clients
When putting in place “family protection” cover for your cohabiting clients there are two things to consider: 1. Who the sum assured is intended for, and 2. How will that sum assured be [...]
Do you need Financial Advice?
Financial products can be complicated and it can be difficult to compare options and make the right decision for you. If you are confused by what is on offer, it's [...]
COUPLES can save up to €126 a year on their mortgage protection
COUPLES can save up to €126 a year on their mortgage protection premiums by seeking out a better deal, according to the National Consumer Agency. Mortgage protection and life insurance [...]
Life Insurance & Mortgage Protection scams
Mortgage protection & Life Assurance scams now very common. The Central Bank introduced a code of practice where firms are obliged to present information with sufficient clarity and prominence so [...]
Have you got it covered?
The Sunday Times 11/03/2012 Borrowers are being let down by specialist insurance policies that are supposed to take care of their debts if they die, lose their jobs, or cannot [...]
How we saved this family over €2,200 on their bills
03 March 2013 Michael and Suzan O'Driscoll from Ovens in Co Cork badly want to save a few bob. Both are in steady jobs, Michael is a product manager with [...]
It doesn’t pay to be a loyal customer
On the life assurance, mortgage protection and serious illness front we have seen premiums fall. In normal circumstances a person who took out a policy such as mortgage protection a [...]
Cheapest vs dearest options on life and mortgage protection policies
Examples of cheapest vs most expensive options: Mortgage protection A 35 year old couple need life assurance cover to cover their mortgage of €250,000 which reduces over the 35 year term [...]