Protection

Talk to us today about the following protection measures to ensure that your family remains financially secure whatever happens 

Income

Protection

Serious Illness Cover

Life

Assurance

Mortgage

Protection

Income Protection

Your income is your most important asset. Protect it and you’ll be able to meet your future cost of living even if illness strikes.

If you earn an income then you probably need to protect yourself and your family against the financial impact of ill-health. After all, you insure your home, your car, your holidays and even your phone.  But what about your Income? It’s your income that pays for all of this.  What will happen to you if it is gone? 

An income protection policy pays you a monthly income if you are unable to work due to any illness or injury or disability. You will continue to receive an income until you get back to work, and if you are not well enough to return to work, your replacement income will be paid until your chosen retirement age (that’s 65 for most people).


You can tailor a plan to suit your pocket as well as circumstances and you get tax relief on the premium you pay making this type of cover very affordable.  We are on hand to help you tailor a plan to suit your lifestyle.

Serious Illness Cover

Your income is your most important asset. Protect it and you’ll be able to meet your future cost of living even if illness strikes.

Serious illness Cover is exactly that. A life policy that pays out on the diagnosis of one of up to 30 different life-threatening, certainly life changing conditions.  

The three conditions that the majority of claims are paid out on are:
 

  • Heart Attack   

  • Cancer 

  • Stroke

Think of Serious Illness cover as a fully comprehensive life policy that is if diagnosed with a condition that is life threatening, your policy will pay out ensuring you have money to help get you back on your feet.  Without it can make recovery from any condition a lot harder.

Tom advised us to add Serious Illness Cover to our life policy when we took it out in 2001. When my husband was diagnosed with cancer in 2019, it was a huge comfort to be able to make a claim on the policy. I have recommended Flanagan Ford O’Neill to others as I trust them.

- Angelina, Sligo

Life Assurance

We provide a series of comprehensive and cost effective protection plans offering you peace of mind when you need it most. 

Life Assurance will pay you a lump sum or income amount if you become seriously ill or die.

It is so important for families to have extra cover in place to avoid any financial hardship an unexpected death can bring to a family.  Unfortunately 72% of Irish families have no extra cover over and above what is in place to cover their mortgage.

If you have taken out a policy with a bank or building society, the chances are you were advised to take out a policy with a company that they were tied into.  Reviewing this policy can lead to a saving or better still extra cover for your family at the same price.
 

Life cover costs have reduced significantly in the last decade. There are many protection plans to choose from, and we are on hand to give you the right advice, provide you with the best cover and at the best price for that cover.

Mortgage Protection

Mortgage Protection is designed so that your mortgage will be paid off if you die during the term of your policy. 

All Mortgage Lenders will require that you have mortgage protection cover in place before draw down of your Mortgage Loan.

Mortgage protection cover is simply another type of life cover. As impartial advisors we can research the market to provide you with the best priced product available to you.  

If you have taken out a policy with a bank or building society, the chances are you were advised to take out a policy with a company that they were tied into.  Reviewing this policy can lead to a saving.