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You Can’t Eat a House – Why Family Cover Is Essential If You Have Kids We hear it all the time:“We have mortgage protection – we’re grand, aren’t we?” And yes, it’s great that your mortgage would be cleared if one of you passes away. It means your family won’t be left with a massive…
Read MoreIt Costs HOW Much to Raise a Child in Ireland?
by Carmel Green 18/05/2025 Children are expensive. Like, eye-wateringly expensive.It’s basically like having a small, demanding ATM card with a face — and you’re the machine. When my son was born, we were buried in baby blankets, three hooded towels (with tiny ears, of course), and enough “sleep when the baby sleeps” advice to last…
Read MoreSo, You Want to Cancel Your Salary Protection? Let’s Talk…
We get it. That salary protection deduction keeps showing up on your bank statement, and you start thinking, “Do I really need this? Maybe I could use that money for something fun… like a holiday, a fancy coffee habit, or finally upgrading my dodgy WiFi?” Before you hit that cancel button, let’s have a little…
Read MoreWhy Income Protection Should Be Your Priority Over an AVC
posted by Carmel Green protection specialist Picture this: You’re in the prime of your career, earning a good salary, saving for retirement through an AVC (Additional Voluntary Contribution), and suddenly—life happens. An illness or injury stops you from working, and with it, your income comes to a screeching halt. Now, what’s more important: that extra…
Read MoreLife of Another
A Life of Another policy is a type of life insurance where the policyholder insures the life of someone else. If the insured person passes away, the policyholder receives the payout. This type of policy is common in personal relationships or business partnerships where one party has a financial interest in the other person’s life.…
Read MoreIMPORTANT INFO FOR COHABITING COUPLES
by Carmel Green 15/01/2025 Let’s talk about cohabiting couples, also known as “living with your other half without the shiny rings and legal paperwork.” It might not sound romantic (and definitely not sexy), but it’s a reality for so many people today. Gone are the days of your mammy clutching her pearls and muttering “living…
Read MoreCan You Get Income Protection or Life Insurance with a Pre-Existing Condition?
by Carmel Green Protection Specialist Don’t Wait Until You’re Sick: Why You Need Income Protection Today I can’t tell you how often people come to me after they’ve been turned down for income protection or life insurance, thinking they’re out of options. The truth? Most of the time, they could’ve gotten cover if they’d acted…
Read MoreThe Priceless Peace of Mind
Carmel Green 25/05/2024 Ensuring Your Family’s Financial Security Life is full of uncertainties, and the feeling of knowing your family is covered for life’s unexpected events is truly priceless. Life insurance plays a crucial role in providing your loved ones with a financial safety net, offering a lump sum in the event of your death…
Read MoreCost Neutral Early Retirement and the 35 Year Rule
Cost neutral early retirement The department wants 40 years’ service from you! Anything less will be cost neutralized in most cases. To retire on full pension, you need to have 40 years ‘service and have reached your Normal Retirement Age (NRA). You can go before you reach NRA but no matter what amount of service…
Read MoreApproved Retirement Funds (ARFs)
ARFs are often used by those who have money in an AVC at retirement. Firstly, it makes sense to take the maximum amount of tax-free cash possible from the AVC. This is different for everyone based on years’ service and salary and is subject to a maximum of €200k. An ARF gives you more control…
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