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Protecting You and Your Family - Life Assurance

You can’t predict what’s going to happen from one day to the next, however it is important to plan for the un-expected. Here at Horizon Financial, we take all our clients through a tailor made financial review to ensure that our clients get recommended the protection suitable for them and their families.

In the event you die tomorrow, what income would your family need to live without financial worries?

Remember your family would continue to face all the everyday costs of living:

Household Bills
Childcare Bills
Holidays
Personal Loans
Children’s Education
Medical Costs
Motor Expenses
Retirement Planning

How much Cover do I need?

The replacement income you will need depends on factors such as:

Your current income
Number of dependants
Outstanding loans
Your age
Age of dependants

Life Assurance for Young People

We would strongly encourage young people in their early 20’s to take out life cover, because at that age the cost is so so low. They can then use this policy in the future if they ever have mortgage needs, as opposed to taking out a new, more expensive policy.

Mortgage Protection Policies

For most mortgage’s taken out in Ireland the lender will require a mortgage protection policy (effectively a Life Policy). We will aim to match any price, and more importantly advice you on the type of mortgage protection policy which suits your needs.

Review Your Existing Life Policies

A lot of clients have existing life assurance policies, however do you know what this cover would give your family on a monthly basis in the event of your death. Here in Horizon Financial, we take into account your existing policies and advise you on what level of cover which you and your family should have in place. We are dedicated to providing the highest level of financial advice, through a combination of experience, professionalism and identifying each individual's financial needs.

For intelligent, common sense advice on protecting your family’s income (or Mortgage Protection), please do not hesitate to contact us at Horizon Financial.