Life insurance. With your family in mind.
Cover should start with the people and commitments that matter to you. Neil will explain the options for supporting your family financially if you die during the policy term.
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Read our reviewsCover, exclusions and benefits depend on the policy and your circumstances.
What would you want your cover to take care of?
The mortgage is one part of the picture. Your family’s everyday needs matter too.
Your home
Help with the mortgage, rent or other financial commitments.
Everyday family life
Household bills, childcare and the practical costs of keeping life moving.
The years ahead
Consider how long the people close to you may need financial support.
A lump sum or a regular family income?
One payment.
Can provide a cash sum after an eligible death claim during the policy term. It can help with a mortgage or wider family needs.
Neil will explain level and decreasing cover, and how the amount and term fit your plans.
Regular payments.
Can provide an income after an eligible death claim, for the remaining policy term.
A way to plan support for ongoing household costs rather than one lump sum.
Neil can explain the options together. Benefits depend on the policy terms.
You don’t need to know which policy to ask for.
A conversation first
We begin with your family, commitments, budget and any cover you already have.
Options explained clearly
Neil talks through the benefits, terms and exclusions before you decide.
Review what you already have
A new home, a growing family or a different job can be a good time to check your cover.
Clear advice. Confidence in your choices.
“We were contacted a few days later and arranged another meeting with Neil to discuss suitable quotes and options based on our requirements and budget.”
“Would definitely recommend chatting with Neil as we only thought we were fully covered before now!”
A few questions about life cover.
Is mortgage cover enough for my family?
Mortgage cover can help with the loan, but your family may also need support with everyday expenses. Neil can help you consider both.
Can you review cover I already have?
Yes. Bring your policy details so Neil can review how the cover fits your current circumstances and explain the options. Keep existing cover in place while any changes are being considered.
What if I have life cover through work?
Tell Neil what your employer provides. We can discuss the amount, who it covers and what happens if you leave that employment before considering any additional cover.
Should we choose joint or separate policies?
The arrangements work differently. A typical joint first-death policy pays once, while separate policies can cover each person individually. Neil can explain the options for your circumstances.
Is life insurance the same as critical illness cover?
No. They cover different events. Neil can explain how life insurance, critical illness cover and income protection fit together.
Can I arrange cover if I rent?
Yes. Life cover can support people who depend on you financially, including help with rent and everyday household costs. It is not only for mortgage holders.
Life cover is different from cover for illness or time off work. Ask Neil how the options fit together.
Let’s talk about the people who matter to you.
Speak to Neil by phone, video call or at our Rathfriland office.
Call 028 4176 9769