Declan Breslin 2.26

Have you ever assessed your Insurance payments?
Do you feel you are paying too much?
Have your circumstances changed lately and now you feel under pressure?
Are you worried that you are not well enough protected?

If you have answered yes to any of these questions then I am here to provide you with a professional financial review that will advise you on the level of cover you should and can afford based on your needs.

LIFE COVER & SERIOUS ILLNESS COVER
Have you financially protected your family in the event of your death? or in the event that you will not be able to support them anymore? The cost of Life insurance has fallen in recent years, I may be able to reduce the monthly cost of any existing life or mortgage protection policies.

PENSIONS
If you do not have a pension, did you know it is the most tax efficient way of saving? For example, if you’re paying income tax at the standard rate @ 20% and pay €100 p/m into a pension, it will only cost €80. Or if you pay income tax at the higher tax rate @ 41%, by paying €100 will only cost you €59 p/m. (based on income tax rates for 2014)

INHERITANCE TAX PLANNING
Did you know a non-married couple are liable for inheritance tax @ 33% in event of death? Advice is also available for parents who wish to fund for their children's potential tax bill in the event of their death

INCOME PROTECTION
I can offer advice on replacing your current income should you be unable to work through sickness or accident. There are also policies which will provide you with a replacement income up until age 65 and are eligible for tax relief at your marginal rate of tax.

SAVINGS & INVESTMENTS
With DIRT Tax increased to 41%, are your savings receiving the best return?

With over 20 years experience in the insurance industry I will tailor your family protection to suit your commitments.

All these advice services are fully confidential with no obligation, at my expense.