Serious Illness Cover
Serious Illness Cover (or Critical Illness) is a protection policy that pays a lump sum amount should the life assured be diagnosed with an illness as specified under the policy.
The type of cover provides financial support where the life assured and their family do not need the additional stress of worrying about money at such a difficult time.
Investor Care has agencies with all of the major life companies and can provide you with the best price and most suitable Serious Illness Cover available on the market.
Unfortunately, as we get older, the risks of serious illness including cancer are a reality. Serious Illness Cover can be taken out as a separate policy or it can be incorporated into a life assurance policy with two additional options to choose from, either:
On an Accelerated Basis which means that a payment of a claim under the critical illness cover reduces the balance of the life cover remaining on the policy; or
Additional Basis where even if there is a claim on the amount of the Critical Illness element of the policy, this will not affect the amount of life cover available under the policy. It is a type of stand-alone policy within the life assurance policy. Investor Care will simplify the process and we will take the time so that you are clear as to what your options are to determine the most appropriate cover for you.
Contact us - we would be pleased to explain how these policies work, whether they are appropriate to you and how they compare to Income Protection policies and other forms of life assurance.
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Income Protection
Have you ever considered what would happen if you were unable to work? How would you pay for your mortgage and all of your other ongoing bills? Income Protection or PHI (Permanent Health Insurance) is a type of protection policy which pays you an income should you suffer a loss of income due to being unable to work due to sickness or injury, lasting longer than the deferred period (the period before the benefit becomes payable). The premium for this type of policy is tax deductible (subject to a max. 10% of the individual’s annual gross income) which is a very attractive feature of this product. There are also additional options with these policies such as:
Indexation which aims to maintain the level of income cover in line with inflation (the premium will increase for this feature).
Guaranteed Premium is an option which ensures that your premium will not be reviewed in the future – you will know the level of premium from the start of the policy which will not change even if you make a claims under the policy in the future.
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Pensions & Investments
Everyone deserves to be able to have the choice to relax and take things slower if they want to as they get older. Pensions are an extremely attractive way of providing for that time of your life –when hopefully you can afford to have just that – the time of your life. There is attractive income tax relief on contributions made to pensions as well other tax advantages in relation to drawing of your pension at retirement. Increases in the value of investments in a pension are not liable to taxes such as capital gains tax or income tax while in the pension. When drawing your pensions at retirement age, there can be an attractive tax-free lump sum available as well as certain other options at that time. Investor Care will take the time to make pensions easy to understand and to advise you on your options and what’s best for you.
In simple terms, pensions can be viewed as saving and investing your money but with some tax savings. Yes, there are certain restrictions and rules that apply to the amount of tax that can be saved, the timing of when you can draw on your pension and the options available at retirement but pensions remain an efficient way to provide for your future and those around you.
We will review your circumstances in a detailed way with you at a pace and in a manner that suits you. We will take the time to ensure that we have established your objectives, your attitude to investment risk and other important factors. We will discuss various options which you can consider so that together, we can determine the most appropriate type of pension arrangement that most suits your objectives. We have agencies with all of the main pension providers in Ireland, so we are in a position to provide you with independent, transparent and quality advice to ensure that you get the best service. We will review your pension with you on a regular basis to ensure that it remains appropriate to your objectives and to your situation on an ongoing basis.
Contact us today to let us start taking care of you.
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Contact Investor Care today on (01) 44 33 690 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.
Life Assurance
Investor Care is an expert in Life Assurance and in saving money for our clients. If you have existing Life Assurance policies to provide for your dependants or maybe you are considering taking out life cover – we can save you money. Through our unrivalled personal service and expertise, we will ensure that you get the best cover at the best price. We will take care of you throughout the process. We will take the time to explain your options in calm and easy to understand way so that you can decide what is most appropriate for you and your loved ones. As an independent company with agencies with all the main life companies in Ireland, we will work to ensure that you get the most appropriate type and level of life cover at the best price.
We will take the time to explain the different options between the different types of life cover such as:
Mortgage Protection Life Assurance which is the cheapest form of life cover as the amount of cover declines as your mortgage is being repaid over time. This provides a lump sum on death of the insured person and is used to repay the mortgage.
Level Term Life Assurance which provides a fixed amount of life assurance for a specified period of time. You can add options to increase the level of cover over time to help against inflation. A Conversion Option can allow you extend the period of cover without being required to provide additional health information.
Whole of Life Assurance which also provides a tax free lump sum in the event of the death of the insured. However, unlike the above types of life assurance, as the name suggests, there is no fixed term on the period of cover. Within this type of life assurance, additional options are also available.
Contact us today to let us start taking care of you.
Get a Free Quote
Contact Investor Care today on (01) 44 33 690 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.
