Financial Services - LE Insurance

Serious Illness Cover

allen — Sun, 23 Jan 2022 12:55:23 +0000

Serious Illness Cover

Specified illness cover pays you a lump sum should you suffer from one of a list of illnesses covered. This can be used to maintain your standard of living, pay for medical bills and help you to cope during a difficult time. Specified illness cover – the benefits

It gives you a lump sum should you suffer from one of a list of illnesses covered.
This is yours to spend as you wish, for medical bills or to adapt your home to make your day-to-day life easier.
We can offer you the most comprehensive specified illness cover available in Ireland and it now comes to you at an even lower cost than before.

Why choose Specified Illness Cover?

Fact: 1 in 10 people may die and 1 in 4 may suffer from a serious illness before they reach the age of retirement. (Source: Irish Life claims 2009).

Fact: almost 60% of Irish families wouldn’t be able to cope if the main income earner died or became ill (Source: Irish Life claims 2010).

Fact: you are 4 times more likely to suffer from a serious illness then to die before age 65 (Source: Irish Life claims 2010).

Fact: heart disease is Ireland’s No.1 killer. (Irish Heart Foundation)

Fact: over 20,000 people are diagnosed with cancer every year in Ireland (Irish Cancer Society).
Information is correct as at 04 May 2011.

For a consultation please call Lorcan on 071-9662464 or email info@lorcaneganinsurance.com

The post Serious Illness Cover first appeared on LE Insurance.

Pensions

allen — Sun, 23 Jan 2022 12:54:50 +0000

Pensions

The State Contributory Pension is at present paid from the age of 66
(However it is to be increased to age 68 by 2028)
The personal rate is €230.30 per week.

Can you afford to let your income drop to this amount per week and are you willing to wait until AGE 68 TO RETIRE

It is very important to consider your retirement options as early as
possible. The longer you wait to start your pension, the more of your income you will have to invest to achieve your retirement goals and this could greatly affect your goal to retire early.

There are three main types:

Personal Retirement Savings Account (PRSA)
Personal Pension
Company Pension

It is very important to start your pension as soon as possible and here at Lorcan Egan Financial Services we would be delighted to advise you on the correct pension tailored to set your needs and requirements.

For an independent consultation please call Lorcan on 071-9662464 or email info@lorcaneganinsurance.com

Warning : The value of your investment may go down as well as up

The post Pensions first appeared on LE Insurance.

Mortgages

allen — Sun, 23 Jan 2022 12:54:20 +0000

Mortgages

At Lorcan Egan Financial Services our goal is to get you the best mortgage deal and save you TIME and MONEY in the process!

We have appointments to most lenders in the Irish Market through our partners PIBA Network Services.

We offer advice on the following Mortgages:

First Time Buyers
Remortgages
Buy to Let Mortgages
Equity Release
Self Build Mortgages

For a Full consultation please contact Lorcan on 071-9662464 or email info@lorcaneganinsurance.com

Warning: The cost of your monthly payments may increase, if you do not keep up your repayments, you may lose your home.
Warning: The entire amount you have borrowed will still be outstanding at the end of the interest-only period.
Warning: You may have to pay charges if you pay off a fixed-rate loan early
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.

The post Mortgages first appeared on LE Insurance.

Life Assurance

allen — Sun, 23 Jan 2022 12:53:51 +0000

Life Assurance

We all like to think we’ll always be there to take care of our family’s needs – but unfortunately that’s something nobody can guarantee. Life’s unpredictable and we never know what is going to happen next.

Have you ever thought how your family would cope financially if something happened to you? Could they maintain their standard of living?

Life Cover what is it?

Life cover pays your family a lump sum if you die.

They can use this as they wish, to help pay bills, loans – whatever matters most.

It gives you peace of mind that your family could be secure financially when you’re gone.

Peace of mind from as little as €15 a month.

What’s more, with cover starting from as little as €15 a month, protecting your family won’t have to cost you the earth.

So, why choose Life Cover?

Over 45% of those surveyed have no form of life insurance product.
Almost two thirds of families in Ireland would struggle financially if there was a death or illness in the family.
1 in 3 claims in Ireland for Specified Illness Cover are for people under 40.
Only 33% of people surveyed have a life insurance product which is not linked with their mortgage

For full details on a advice please call 071-9662464 or email info@lorcaneganinsurance.com

The post Life Assurance first appeared on LE Insurance.

Investments

allen — Sun, 23 Jan 2022 12:53:26 +0000

Investments

Investing usually means saving for the longer term, so that you can grow your money and be able to afford something in the future, for example your retirement, or your children’s education. Most investments involve an element of risk, but over the long term they also tend to give you better growth than savings or deposit accounts.

Investing is usually for the medium- to long-term so your investment has time to grow in value.

More importantly you need to be comfortable that the level of risk you are taking suits your circumstances.

As this is a complex area many people seek expert advice:

To request a financial review of your finances or seek general investment advice Please call Lorcan on 071-9662464 or email info@lorcaneganinsurance.com

The post Investments first appeared on LE Insurance.

Income Protection

allen — Sun, 23 Jan 2022 12:52:04 +0000

Income Protection

It makes sense to insure your home, your car and your family against the unexpected. Taking out a pension to fund your retirement is also the sensible thing to do. But what about your income? What if you were to suffer an accident or long-term illness that prevented you from earning an income and providing for your family’s lifestyle?

Protection comes with peace of mind.

Income Protection is designed to provide you with an alternative income if you suffer any illness or injury which prevents you from earning an income of your own. It helps take care of your financial needs at a time when money worries should be the last thing on your mind as you focus on recovery.

The facts

There are many opinions about the benefits of Income Protection. As Income Protection experts, however, we can give you the facts:

Income Protection can give you up to 75% of your usual income when you’re off work due to illness or injury. This money is guaranteed until your selected retirement date if you’re not fit to return to work.

Your premium won’t increase if you make a claim.

If you do make a claim, we’ll give you all the support and training you need to return to work while we pay out on your claim. We are proud of the fact that we have been paying some of our customers a replacement income for the last thirty five years.

Income Protection covers any illness, any injury and any disability. This gives you the complete peace of mind of knowing that no matter what happens, you and your loved ones are protected.

The post Income Protection first appeared on LE Insurance.