Why Do I Need a Personal Accident Plan?

Accidents can happen!

Have you ever thought, how would I cope if I had an accident? How would I pay all those extra bills? What about that drop in earnings?

Even a small accident can cause substantial financial loss. What if you have to make alterations to your house as a result of an injury. Extra expense like consultants fees, travel, meals, attending outpatient clinics etc. The list goes on.

All is not doom and gloom.

There are small steps you can take now, which will have a big benefit later.

If you take out a Personal Accident Plan now, it could prove beneficial in the event of an accident. It pays out a lump sum benefit if you suffer a specified injury. With great benefits, this can be a welcome support in times of need.

Don't just trust to luck.

Take steps now to help yourself in the future. You'll be glad you did.

If you would like to get a quotation or start your policy, just use the get a quote button

Or just call 1890 666 666.  {KomentoDisable}

Download the Personal Accident Plan Brochure here>>

 What is an annuity?

An annuity is a guaranteed lump sum for the rest of your life.

Many people use the proceeds of their pension to purchase an annuity.

This then provides their pension income.

If you are a member of a large defined benefit scheme, it is quite possible that an annuity will not be bought

You do not have to take the annuity offered by your existing pension company.

Annuity rates vary between companies so you need to check which one will give you the best deal.

This can be a valuable opportunity to increase the value of your retirement income.

When should I plan for an annuity?

You should plan for your retirement well in advance. Don't wait until you are about to retire. Look at your pension value and work out how much it would provide currently. Will this be enough to provide an income when you retire, taking into account the effects of inflation ? You may need to decide whether or not to set aside more funds for your retirement income. Try our pension gap calculator.

 How do I choose the best annuity?

 There is a wide choice of annuities available on the Irish market.

You should talk to one of our qualified advisers for advice on choosing the right one for you.

 What should I do next?

 It is important to get your pension provisions right.

 It is a good idea to get expert help,so talk to us today.

 Use the call me back button. {KomentoDisable} or telephone 1890 666 666

Or avail of the get a quote button to start the consultation process, and start making use of the tax saving opportunities today.

Don't gamble with the future of your business.

Protect the income of your business.

What would happen if your business had to move premises as a result of flooding?

How would you pay for the cost of moving?

Who would pay for the loss of income?

If the damage was large enough and the move took a long time it could seriously damage the future prospects of the viability of your business.

Why take the risk. Take out business income protection insurance.{KomentoDisable}

Use the quote button above.

Income Protection for you.

With tax relief up to 41%

Ever wondered how you will pay your bills/ mortgages, look after your family should you be unable to work and have no income?

mypremium.ie can ease this worry for you by protecting your income with an Income Protection policy.

A huge benefit of taking out an Income Protection policy is that you can avail of tax relief at your marginal rate of tax thus making your premium more cost effective. (Your premium will be reduced by either 20% or 41%)

I am self-employed how does this affect me?

The government will only pay State Illness benefit of €188 per week for employed people. Therefore if you are self-employed you will have to be entirely self-sufficient and it is extremely important that you protect your income with an income protection plan.

Income Protection pays out a regular income (up to 75% of gross income) after a deferred period should you be unable to work due to sickness, accident or disability up to retirement age.

Here at mypremium.ie we can choose from a huge range of Product Providers to tailor the best plan to meet your specific needs.

Flexible Options:

• Range of Deferred Periods: 4, 8, 13, 26 & 52

• Guaranteed Premiums- premium will remain fixed for the whole term of the plan

• Access to Best Doctors- a second medical opinion

• Waiver of premium- do not pay your premium during a claim

• Guaranteed Insurability: Increase your cover by up to 20% of the original amount every three years

• Own Occupation- benefit paid if insured is unable to carry out their normal occupation

• Change of Occupation- life insured is not penalised for changing occupation

• Indexation- premium & cover amount will increase each year

 Is my income protection affected if I change jobs?

If your income protection was paid for by your previous employer as a core benefit, then you should consider taking out a new policy to cover your new circumstances.

Factors which can influence your decision include; amount of cover required, your income, will your new employer pay for it?

What other policies should I consider?

In addition to income protection, you should examine the benefits of the following:

mortgage payment protection insurance>>

accident & sickness plan>>,

medical cash plan>>,

personal accident plan>>

income cash plan>> and

best doctors plan >> .

These are general insurance plans, which are designed to provide cash support when you need it most.

You should explore their benefits when trying to arrange the most affordable way to protect against life's difficulties

You should compare the market when seeking information on income protection.

Our experienced experts can prepare a quotation for you based on comparison of the best policies available, and will help you decide on your best policy.

Protect your family today, don’t delay. Call one of our Financial Advisers on 1890 666 666 for an in-depth consultation.

Or use the quote button 

{KomentoDisable}