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  • Pensions

    There comes a time when working for a living has to cease. We need to plan for that day and for a new source of income to replace our former employment income.more on pensions...

  • Investments

    It is important to seek independent advice from a Qualified Financial Advisor WHO IS NOT TIED to any particular Investment Provider or Life Assurer.more on investments...

Life Assurance / Life Insurance

So much may depend on LIFE or ILLNESS COVER. Think…..!

  • Have you taken steps to protect the financial futures of yourself and of your family?
  • Have you substantial bank borrowings or other liabilities? Shouldn’t you seek to protect your dependants and yourself against these in the event of untimely death or serious illness.
  • Unable to work due to illness or accident? – Living costs continue and the bills must be paid…but HOW?
  • Do you need to provide for Inheritance Tax? Your successors’ future may be affected should you leave your estate with a liability.
  • Are you in business with a partner or partners? If so, partnership insurance could be of vital importance in event of illness or death of a partner. For example, it could be necessary for a partner to buy out a former partner’s share in the business, should the latter be unable through illness to continue in the partnership. This applies, also, in event of death of a partner.
  • INCOME PROTECTION (sometimes called Permanent Health Insurance) - VITALLY IMPORTANT FOR EVERYONE - MARRIED OR SINGLE – AND THIS FORM OF COVER QUALIFIES FOR INCOME TAX RELIEF.

Is it possible that you may be over-insured in one life area and/or under-insured in another? Why continue paying for inappropriate or excessive insurance? Life Assurance is clearly an area of financial planning vitally important in every life situation, regardless of whether you have OR do not have any dependants: whether an employee or self-employed.

Types of life cover

  • Level Term Life Cover, with or without indexation for a specified number of years
  • Whole of Life Cover with or without indexation.
  • Mortgage Protection, cover for borrowings reducing over a specified period.
  • Specified Illness Cover.
  • Income Protection, protects you against loss of income in the event of any ILLNESS, INJURY, DISABILITY or ACCIDENT resulting in you being unable to work. THIS TYPE OF COVER QUALIFIES FOR INCOME TAX RELIEF.

As an INDEPENDENT BROKER Lalor Financial Services is served by THE MAJOR LIFE ASSURERS IN IRELAND so we provide up to the minute competitive quotes from across the market.

In keeping with our high service standards, when advising our clients we conduct a thorough examination of your circumstances before offering you life or other cover.

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