By planning in advance you can protect yourself and your family against life's uncertainties. We have a range of financial protection solutions to suit everyone, and lots of information to help you make the right choice.

When you have a family, your priorities change. Instead of thinking only of yourself – you are dedicated to looking after your family and their needs. What would happen if the unexpected happened and you were not able to provide for your family? A life insurance plan can be used to safeguard your family from the financial uncertainty and hardship that comes with serious illness or death. There are a number of options to choose from, depending on your circumstances.

Why not contact Duffy Financial Advisors to review your family’s protection cover needs.

Hard-working, creative and valued employees are the most powerful assets available to any business. That's why it makes sense to protect against the loss of certain key members of staff, bolstering your company against the financial and operational fall-out of such an event. Duffy Financial Advisors offer a range of life insurance plans to cover employees, shareholders, directors, partners.

Key Person cover provides protection against the loss of an extremely valued employee of high financial or strategic importance to a business.

As an employer, you know that running a great business means having a team of great people, but there may be one person who stands out as being a key player in the company's success. This person's knowledge, work, or overall contribution is considered uniquely valuable to the company. How would your business cope if that person were to pass away, or become seriously ill? Key Person Insurance helps to protect your business, should such unfortunate events occur.

Co-director Insurance can bring security and stability to a company's directors. In the event of the death of one of the directors, it will allow the surviving directors to buy the deceased's shares from their next-of-kin if these unfortunate events occur.

A strong board of directors forms the strategic and financial life-blood of any company. The sudden loss of a director through death, or ill health can potentially have very negative consequences on a business. Co-director Insurance will allow the company to buy a director's shares from their next-of-kin if these unfortunate events occur. This will bring stability to the business, as the remaining directors gain full control of the company. And it could be a good option for the family of the deceased, who may not have the desire or expertise to take on this role.

This is a specific kind of insurance policy that protects the financial security of a business partnership by compensating a deceased partner's estate for their share of the partnership.

Many business partnerships are based on years of collaboration, mutual support and friendship. The death of a partner can be an extremely distressing and traumatic experience for those involved. As well as that, this unfortunate event might jeopardize the financial security and stability of the partnership. The remaining partners may be obliged to pay a capital sum to compensate the deceased estate for his/her stake in the partnership. Partnership Insurance can release the funds to make this possible, and allow the partnership to continue without the involvement of next of kin.

Your standard of living depends on your income – your income is your most important asset. If you suffer from a long-term illness or have a crippling accident you may not be able to work and this may affect your living standards.

Income protection insurance provides income to support you and your family if you become disabled and cannot work. Tax relief is available on the premiums up to certain limits.

What are the benefits?

• An income while you are out of work due to long term illness or an accident.
• Tax relief on your premium.
• Guaranteed Premiums available.
• A proportionate income if you have to take a lower paid job after making a claim.
• Hospital Benefit (if chosen) will be paid after you have spent seven days in hospital.
• The benefit will pay the premiums on your behalf once you start a claim.
• Premium and benefit increase by 3%' pa to keep in line with your salary.
• Option to increase by 20% every 3 years with no further medical evidence.

What will the Government give me?

• If you are self employed the Government don't give you an income if you are unable to work due to an illness or injury.
• If you are employed and qualify you may receive a disability benefit.

Contact Us today for a personalised quotation and peace of mind.

Serious illness cover is an amount an insurance company will pay you on diagnosis of a serious illness. The insurance company pays a lump sum covered under the policy [after a certain period] in return for payment of premiums. We recommend at the very least that you include serious illness cover on your mortgage policy so if you or your partner contract a serious illness your mortgage will be cleared in full. Please note there are certain conditions that apply to serious illness cover.

Please contact us for these conditions and a full list of the illnesses covered.

Serious Illnesses such as Cancer and Heart Disease occur all too frequently. While most people can now survive these life-threatening diseases it can be extremely difficult to cope with the financial difficulties that follow. Everybody needs some form of financial protection in case the worst happens. There are times when money should be the least of your worries.