Protection

Protection

Mortgage Protection/Life Cover is a compulsory requirement when you are taking out a mortgage. In the event of the borrowers death the mortgage balance outstanding can be repaid from the proceeds of their mortgage protection policy. We hold appointments with New Ireland, Irish Life, Zurich, Aviva Life & Pensions, Friends First, Royal London and Standard Life.

Life Products

Our range of choice allows us to arrange a policy that meets your requirements and the needs of your family on the most competitive terms that the market has to offer. We can also arrange personal life cover including Term, Convertible Term Assurance, Whole of Life and Income on Death protection.

Permanent Health Insurance (PHI)

Permanent Health Insurance, or more commonly known as PHI, is designed to provide you with an income if you suffer an illness or injury which prevents you from working. You can replace up to 75% of your basic income less any social welfare benefits you may be entitled to. PHI is also one of the very few assurance products that you can claim tax relief on. Please note, PHI should not be confused with Payment Protection Insurance (PPI) which is a product to protect loan repayments. PHI replaces your income at a chosen level.

Serious Illness Cover

Serious illness cover, also often referred to as critical illness cover, is designed to pay out a lump sum of money in the event of being diagnosed with one of the conditions/illnesses that is covered under the policy. Some of the most common forms of claims are for Heart by-pass surgery, Testicular Cancer and Brain Tumours amongst others.

The majority of customers continue to live a normal life for many years after they have recovered/managed their condition. This type of cover can be added to your mortgage protection policy and in the event of a claim be used to repay your loan, or can be arranged on a stand-alone basis.

Get in Touch

If you require more information on mortgage protection, life cover, permanent health insurance or serious illness cover please do not hesitate to get in touch with our friendly team on 01 830 5432 or email info@mccarney.ie.

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