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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…

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…

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.…

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…

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…

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…

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…

Members of civil or public sector pension schemes who are likely to have less than 40 years’ service by their minimum retirement age, can top up their benefits through the purchase of Notional Service. So you already know this much but how does it work and what is it? Notional Service Purchase scheme can help…

I want some kind of health cover in case I am ill. I’ve come across Health Insurance, Income Protection and Permanent Health Insurance – what is the difference? This blog is inspired by a client who asked this very question during the week in a nutshell Health Insurance pays the medical bills Income Protection pays…