• Life Assurance (i.e. Mortgage Protection or Term Assurance)
• Serious Illness Protection (on a stand alone basis or linked to life cover)
• Income Protection / Permanent Health Insurance
  (provides an income if unable to continue working through accident or illness).
• Estate Planning (Inheritance tax provision through Section 72 (formaly s.60))
• Keyperson Insurance for businesses
• Corporate Co-Directors Agreements
• Other benefits such as hospital cash, accident cash, etc, can also be added to these policies.
  

Life assurance products are designed to provide a lump sum to your dependents in the event of your untimely death. There are various types of products available. These range from a relatively inexpensive mortgage protection policy which will provide you with a guaranteed sum assured over the term of your mortgage, to the whole of life plan which will guarantee to pay out the sum assured on your eventual death regardless of your age at that time.

Other attractive benefits can be built into these policies such as taking account of inflation or having a hospital cash benefit which would pay a specified amount for each day spent in hospital. This can help make up the difference between loss of income and social welfare benefit or help pay for some of those medical bills.