Insurance Advice

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As Insurance brokers we are authorized and obligated by the Central Bank of Ireland to give best advice to our customers in relation to Life Insurance, Mortgage Protection, Serious Illness, Income Protection and other insurance related products. We are not tied or affiliated to any insurance company-we act solely on the customers behalf offering impartial advice on all insurance companies’ products in the marketplace. We are here to educate and assist you in making the best choice available to you.

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We have agency agreements with the following insurance companies for Insurance purposes;

Types of Insurance We Offer

There are 3 options available to all Ex-Gratia recipients in relation to how these funds are split between what’s received tax-free and/or taxable.

These 3 options are as follows

Basic Exemption
Increased Exemption
Standard Capital Superannuation Benefit (SCSB)

01Income Protection
02Life Cover
03Serious Illness Cover
04Mortgage Protection

Ex Gratia Option and its implication on the employees’ Pension Entitlement

Income protection is a simple, tax efficient and inexpensive plan that provides you with a source of income if you are unfortunate enough to be out of work because of an illness and suffer a loss of earnings as a result of any disability, any injury or any accident.

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Redundancy and Pension Entitlements

Life cover pays out either a lump sum or an income in the event of your death. Life Cover is purchased by individuals who want their family to receive a lump sum of money if they die prematurely. The money can be used to ease the financial burden on a family after bereavement.

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Pension Transfer options - Defined Benefit vs Defined Contribution

Serious illness policies provide you with a tax-free lump sum in the event of you being diagnosed with one of the specified serious illnesses covered on your policy. There are over 50 specified illnesses covered and partial payouts for over 20 specified illnesses.

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Consequences of waiving the right to a Pension Tax-free Lump Sum with a Redundancy package.

Mortgage protection is life insurance that pays off your mortgage in the event of your death.

The sum of money that is insured under a mortgage protection policy reduces down each year in line with your mortgage balance outstanding. So as your mortgage reduces, so too does your mortgage protection insurance.

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The Difference between a Financial Broker and a Financial Provider

A Life and Pensions, Insurance or Insurance broker is completely different than a Pensions/Insurance or Mortgage provider. The Providers are all the large companies mentioned above. They provide the insurance, AVC and pension products. They all have similar products to each other, and they compete for clients’ business. A Broker, whether it is for Insurance, Pensions, AVCs or mortgages helps clients find out what their financial need is and then shops around independently to find the best deal for the client. Brokers are not tied or affiliated with any one Provider. Brokers give the clients advice on what you need, the tax implications of your decisions if any, and the provider that has the best product/service to suit your needs. Just remember, Brokers like Money Maximising Advisors are on your side! Click on the links for more information on Pensions, AVCs, or Mortgages. If you have any questions about life insurance, serious illness cover, mortgage protection or income protection please fill in the form below.

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