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, Royal London and Standard Life.
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, more commonly known as Income Protection, 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, 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.
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 firstname.lastname@example.org.
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"I ignored the advice of a number of other friends suggesting a broker wasn't really needed - and am thoroughly glad I did. Engaging with McCarney Financial Services was the best decision I made throughout the whole house buying process. All of my questions along the way were handled in a quick and hassle-free way, along with bits of helpful advice at every stage in the process - and all this with a very personal touch. Highly recommended."
"Now that I have all the boxes unpacked and beds reassembled, I just wanted to drop you a quick note to thank you for all the effort you put in over the last 18 months on my mortgage application(s). It was much appreciated. I have a colleague in work who applied for a mortgage directly and is currently working his way through a nightmare of lost documents and an unresponsive bank - best decision I ever made was to go through yourselves to handle the mortgage application. I will definitely be recommending McCarney Financial Services to friends and colleagues."
"I am grateful to Ciaran for helping me get my mortgage and all that goes with it ie: mortgage protection, serious illness cover, income protection & pension. When I fell ill 4 years ago my mortgage was cleared and I had extra income to support me while out of work. Ciaran is just a phone call away to offer support and advice when needed."
"Ciaran and his team secured a tracker mortgage portability product for us with PTSB in a very short timeframe, allowing us to move into our new home much sooner and with all the hassle taken away. We cannot recommend McCarney Financial Services highly enough."
S. & E.
"I have had dealings with McCarney Financial Services since 1999 when it opened. Ciaran and all his team are wonderful to deal with – the level of efficiency and professionalism is second to none and nothing is ever a problem. Ciaran is very experienced in all financial matters and this experience is evident in the smooth running of all files he deals with, no matter how complex."
"After a number of months of letters, emails and phone calls made by Mc Carney Financial Services the bank eventually agreed to give me my Tracker facility, in addition I received a substantial refund of overcharged interest that I paid while on the higher rate. Had I not employed the services of McCarney Financial I would not have received such a favourable result, I couldn't recommend McCarney Financial Services enough."
"Every step of the way, Ciaran and his team kept in constant communication with us, explaining what the next step was, ensuring that all our needs and requests were met and at times going beyond what was expected of them. We would have no hesitation in recommending McCarney Financial to friends, family or anybody out there thinking of buying or moving home."
Chris & Lynne
"We would like to take this opportunity to thank you for a very professional and pleasant experience. Just as we were giving up all hope on our dream move, a friend recommended yourselves and after our initial meeting that move became a reality in a very short time."
Mark & Sheila