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Life Insurance & Protection

Please find below a list of the life insurance and protection services we provide and a brief introduction to each financial product area. Our highly experienced team of advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.

Life Assurance

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

It can provide the reassurance of financial protection for you, your family and your business associates.

A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.

Please be aware that this type of assurance is based on an assessment of the health of the applicant.

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The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Health Insurance

Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future. However, there are a number of other types of health-related insurance policies which are worthy of serious consideration including critical illness and income protection cover.

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Income protection plans that have no investment link have no cash in value at any time and will cease at the end of the term. If you stop paying your premiums your cover may end.

Critical illness plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.

MCV Financial a trading style of Michael Brendan Mcveigh is not authorised to provide advice on Health Insurance but can refer you to an authorised specialist who can assist you in this area. 

Critical Illness

Critical illness cover is an insurance policy that pays out if you get a serious illness, disease or disability. The payout can help support you during a life-changing situation by giving you money to use towards your outgoings, such as rent, mortgage payments and bills each month.

The cover depends on the policy you take out, but some of the common conditions covered include:
•    Cancer
•    Heart attacks
•    Strokes

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Income Protection

Income protection is an insurance policy that pays out if you're unable to work because of injury or illness.  Income protection usually pays out until retirement, death or your return to work.  You can claim as many times as you need to - while the policy lasts.

Only a minority of employers support their staff for more than a year if they're off sick from work. Given the low level of state benefits available, everyone of working age should consider income protection. But when we asked the public, just 9% said they have some form of income protection, compared with 41% who have life insurance and 16% who have private health insurance.

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