Why use a Broker?

Choice

Of the many reasons let’s start with choice. Stop and think about it An insurance company can and will only advise on their own products thereby limiting your choices. Also most good brokers (US for instance) have what’s known as a price pledge put simply we can guarantee to match the lowest quote available across all companies something which gives you the best prices always that’s guaranteed!!!

Knowledge

For most people the biggest reason they will use a broker is simply we know the all the jargon and technical terms they try to confuse you with. We will show you how to ensure you have only the cover you require at the bets price possible. We will amend your cover to suit your life changes because we care. We build relationships! Ask us to quote you on any product we guarantee the price wont be beaten or alternatively if you wish to discuss your protection needs further contact us to today for a comprehensive review of your insurance needs.

Cost

Last but not least it’s free!! Yes that’s right we never cost you a penny and in fact we will save you money in most cases.

Types of insurance

There are two predominately two classes of insurance – life insurance and general insurance.

Life Insurance cover is usually taken out to pay a tax-free lump sum to your estate in the event of your death. There are three main types:

Mortgage Protection (expand)

Mortgage Protection is a life policy, which provides a lump sum of money to repay the outstanding balance on your Mortgage, should you die within the specified policy term.

Level Term (expand)

Level Term Life Insurance Cover provides a lump sum payment to your estate if you die during the term of your policy. The ‘term’ can be anything from 2 – 50 years. No benefits are paid out and the plan ends unless you die during the term

Whole of Life (expand)

Whole of Life Insurance Cover insures you for the whole of your life as long as you keep paying the premiums.  As there is no set policy term, your premiums are payable for life. Whole of Life Insurance is guaranteed to payout, therefore every monthly premium is an investment in itself. Should you decide to terminate your policy you may be entitled to receive an encashment value.

You can arrange Level Term Life Insurance Cover as:

Single Life Policy: (expand)

Taken out by one person and is payable on their death during the term of the policy.

Dual Life Policy: (expand)

Taken out by two people and is payable on each death during the term of the policy.

Joint Life Policy: (expand)

Taken out by two people, and is payable on the first death during the term of the policy.

Also with term life insurance policies there is an option you also have the option to include a Convertible Option (expand)  A convertible option allows you to convert your Level Term Life Insurance Cover to another life insurance plan without providing additional medical evidence usually to age 65.

Most life policies, on the other hand, pay out when an event happens, such as when someone dies. Anyone can buy life insurance however the amount you pay in premiums will depend on your age, your health, and the type of work you do. The younger and healthier you are, the cheaper the premiums will be.

Insurance is about to things cost and cover never pay more if the same cover is available cheaper elsewhere!

Let us do the legwork contact us today for a quote!

General insurance can be either personal insurance or commercial insurance we can provide you with an extensive list of insurance products, inclusing house insurance, public liability insurance and many other types of cover.

Our brokers have aquired a wealth of experience in the placing of the smallest shop to the largest industrial type of risk. Uisng the latest technology and computer software to ensure we can offer products, services and schemes from a panel of insurers both in Ireland and the UK.

The following is their suite of products - however should your enquire anything not on the list we can quote for that to!!!