A personal pension is a tailor-made pension plan. It can be used by anyone but is ideal for the self-employed sole trader. Contributions can be made on a regular or annual basis and tax relief is provided at the marginal (highest) rate of tax you pay.

On retirement, 25% of the fund can be taken tax-free (up to €200,000) with the remainder used to provide a regular income.

PRSAs are flexible and portable way of saving for your retirement. They can be used by anyone, regardless of employment type, and can be taken from job to job. They allow both employee and employer to make contributions. Contributions can be increased or decreased at any time, or a payment holiday may be taken if needed. A lump sum of 25% of the fund can be taken tax-free at retirement (up to €200,000) with the remainder used to fund a regular income.

Income protection provides valuable insurance against loss of salary due to illness or injury.

Most of us insure our lives and our homes, but what about our income? If you were diagnosed with a critical illness of suffered a serious accident and were no longer able to work, would you still be able to support yourself and your family?

Personal income protection provides a regular income if either of these things happened, giving you comfort in knowing your family will be looked after. Income protection policies can be tailor-made to suit your requirements and can offer cover up to 75% of your salary.

There are varying levels of cover available which can safeguard your salary, providing financial stability while you get back on your feet.

Tax relief is available on premiums.

We all want to make sure our family is provided for, even if the worst happens. This is where Term Life Assurance can help.

It is designed specifically with that in mind, meaning you and your family can live with the peace of mind that no matter what happens, you are covered financially.

We offer cover based on your individual needs and we will discuss the options with you on an individual basis to assess the level of cover you need. Term assurance policies can be taken on a single, joint or dual life basis. Dual life means that the policy could potentially pay out twice if both lives covered were to die within the policy term.

Serious illness cover can also be added, which would provide you with a lump sum if you were diagnosed with a serious illness from a specified list.

Premiums may come with a loading if you have any pre-existing medial conditions.

Whether you have a large estate to leave to your loved ones that may have inheritance tax implications, or you'd like to ensure that your funeral expenses are covered, then Whole of Life insurance is for you.

We can work with you to ensure that a suitable sum is insured that will meet your needs or suits the premium that you can afford to pay. Premiums are paid for the lifetime of the policy and pay-out is guaranteed upon death.

We can provide your with a quote for cover for a sum insured that suits you best, based on how large or small an amount you need to provide for your loved ones. Premiums will be calculated based on your age and health status and can be chosen on a fixed premium basis or increasing basis which will increase your cover in line with inflation.

This will provide your with comprehensive cover to give you peace of mind.

Mortgage protection insurance is a decreasing term policy that will pay your mortgage in the event of your death. It will ensure that your loved ones can retain their home , mortgage-free, in the event of your death. This type of policy is a requirement from most banks in order to draw down funds.

This policy can be taken on a single, joint of dual life basis. Dual life means that the policy could potentially pay out twice if both lives covered were to die within the policy terms offing a little extra protection for your family.

Serious illness can be added on, which would provide you with an accelerated lump sum if you were diagnosed with a serious illness from a specified list.

If you already have a mortgage protection policy in place, it may be worth reviewing to see if you can save any money on the monthly premium payments. Even saving €20 per month would add up to a total saving of €3,600 on a remaining term of 15 years on your mortgage.

Most of us protect our lives and our homes, but what would we do if we were diagnosed suddenly with a serious illness? This policy will pay out a lump sum upon diagnosis of a serious illness, providing financial reassurance at a difficult time.

Cover can be taken on a full lump sum pay-out basis or on the premise of a 'pot' of cover that will pay out a percentage of the pot at different stages of illnesses and treatments. This new concept can provide cover for clients with pre-existing illnesses who in the past would have been declined for cover.

In the case of pre-existing illnesses, come exclusions to cover will apply.