Highlights
- Essential protection for you and your loved ones, in case you become sick or injured
- Provides peace of mind for you and your family
- We can provide detailed advice, tailored to your specific needs
- Policies provide for either a tax-free lump sum or regular monthly payments
- Why should I in invest serious illness cover?
Investing in an effective serious illness insurance policy is essential for your peace of mind. Serious illness insurance protects you and your loved ones in the event of serious illness, injury or disability. Depending on the type of policy, you will receive either a tax-free lump sum, regular monthly payments or payments to cover specific expenses such as your mortgage. In the unfortunate event that you become seriously ill and are unable to work, serious illness Insurance could be a lifeline for you and your family. If you’re sick or injured, mounting bills should be the last thing you have to worry about.
Which Serious Illness protection policy should I choose?
Serious illness insurance will protect your income if you become ill, suffer an accident or acquire a disability which prevents you from working. Every serious illness policy is different so it’s important to carefully review each option. Most policies cover certain cancers, heart attack, stroke and multiple sclerosis. Some policies also cover other health issues, including injuries that prevent you from working. Usually, the cost of your policy will depend on the standard of your health.
Serious illness cover is different from life insurance. It does not protect your loved ones in the event of your death. While you can use your payments to pay for your mortgage, most policies won’t pay off your mortgage. Therefore, it is advisable to take out separate policies to protect your loved ones in these circumstances.
Choosing an appropriate insurance protection policy that’s tailored to your needs is very important. It’s important to ensure that you select the most appropriate policy for the best price which, in the unfortunate event of illness or injury, covers your financial needs. It can be time consuming to review the many serious illness policies available on the market. Our advisers can provide detailed advice, tailored to your specific circumstances. You can relax knowing that if you are unable to work, you and your family will be taken care of thanks to an appropriate policy.
What should I bear in mind before purchasing a policy?
Before taking out a serious illness insurance policy, it’s important to identify exactly what protection you require. Single people or those who don’t have children might not think that a serious illness policy is necessary. However, young or old, we are all susceptible to getting sick unexpectedly. If you have a spouse, children or a mortgage, a serious illness policy should be strongly considered. If you become ill, suffer an accident or acquire a disability which prevents you from working, a comprehensive policy can provide peace of mind during what’s sure to be a stressful time. Some policies also cover alternative treatments and travel expenses if you are seeking medical care outside your local area.
How can Clear Financial help?
A comprehensive serious illness insurance policy provides the peace of mind that both you and your family will be taken care of, in the event of an unforeseen illness or injury. With the help of our specialised advisors, we can help you find the policy that is right for you. There are a huge range of policies available on the market. Our sales advisers put their insight, experience and proven expertise to work for clients everyday with very visible results. By providing superior levels of attention and advice, we build lifelong relationships with our highly valued clients. Our sales advisors are available to answer your questions. Our clients rest easy knowing that if they get sick, they can focus on getting well without worrying about money. MB Planning Limited t/a Clear Financial is regulated by the Central Bank of Ireland as an Insurance Intermediary under the European Union (Insurance Distribution) Regulations 2018.
For more information, please contact us on (01) 4587576 or email hello@clearfinancial.ie.
