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Mortgage Protection Insurance
Mortgage protection life insurance is designed to pay off your mortgage if you die. Your policy runs for the same length of time as your mortgage, and the premium you pay each month depends on the size of your mortgage as well as your age, whether you are a smoker or non smoker and the state of your health.
As your level of cover is designed to decrease in line with your mortgage loan it is the most cost effective type of life cover.
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Life cover pays out a tax free lump sum of money if the individual(s) insured dies within a certain time period i.e. during the term of the policy.
It is a tax free sum and it can be used for a number of reasons. For example:
- To protect your loved ones financially if you die
- Ensure the financial survival of your business, in the event of the death of a key employee or director.
- Repay any loans – e.g. Mortgages, bank loans etc.
Serious Illness Cover
Serious illness cover pays a tax free cash lump sum if you are diagnosed as suffering any illness from a specific list of illnesses that the relevant life company provides. Typically the major conditions covered include certain types of malignant cancer, heart attack, stroke and multiple sclerosis. It is also called Critical Illness cover.
The purpose of Specified Serious Illness Cover is to provide a lump sum if you are diagnosed with one of the specified serious illnesses covered during the term of the policy. A claim will only be paid based on the Specified Serious Illness Cover Definitions which state the exact conditions which must be met for a claim to be paid.
Income Protection (also known as Permanent Health Insurance or PHI) provides you with a replacement income in the event that you are unable to work due to any accident, illness or disability.
The payment will commence once you have been disabled for a set period of time (known as the ‘deferred period’). These payments will continue until you have recovered and are fit to return to work, or until your chosen retirement age if you are unable to go back to work.
WHY CHOOSE LOW.IE
- Best Price Guaranteed - We research the whole market, find the cheapest price available and then discount this even further. In fact we are so confident in our pricing, we pledge to beat any comparable quote.
- We know our stuff - Our team are fully qualified to provide you with advice and assistance at every stage.
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- Same cover for less. We have saved our customers in excess of €5 million by reducing their premiums.
- We beat the banks EVERYTIME – The bank has just one provider for life and mortgage protection cover. We cover the whole market i.e.: all the Irish life companies.