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Types of Insurance

Other Financial Products we review - Saving you even more money. 

Mortgage Protection

If you were provided Mortgage Protection by your lender, you could save significant amounts of money over the term of your policy.

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Income Protection

It is essential to review your Income Protection after a career change, a change in salary or to ensure you are availing of the best policy available on the market.

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Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

read more

Serious Illness Protection

These policies are commonly overpriced and outdated. Providers now cover more illnesses, making recent policies much more comprehensive.

read more

Whole of Life Insurance

These policies are often "Reviewable" which means the premiums raise to a level that's unsustainable to maintain.

read more


If you haven’t reviewed your Pension recently, you could receive less than you’re expecting on a monthly basis at retirement. Increasing your allocation rate by reducing fees and charges.

read more

About life insurance

Everybody who earns an income should consider Life Insurance. A loss of your income is a loss to the household.

If you think about it you insure all the important things in your life, such as your home, your car, your phone, so why not insure your life?

Whether you’re looking for protection for your family or cover for your business, we can help you find the right life insurance plan that suits you.

If you died prematurely, would your family have the money needed to pay for their financial needs, for their food, household and utility bills? Would there be sufficient money in place to clear loans, bills and funeral expenses leaving your family debt free following loss of a loved one? Would there be financial protection to support your partner or your family against financial struggle until your children are fully educated? Considering this, is Life Assurance your No.1 priority?

Our quick and simple Life Insurance review process will only take up to 10 minutes.

Level term cover

This provides a lump sum payment to your family in the event of your death. This is the most popular form of life cover.

Level Term Cover provides a fixed benefit & premium over a specified number of years. The cost and sum assured remain the same for the entire term of the policy.

If there is no pay out during the term of the plan, the policy ceases.  Although there is no cash-in value and only pays out on death of the individual during the specified term of the plan, it provides peace of mind to you and your family that you are financially protected.

With this policy in place, you can guarantee that your loved ones will be paid a chosen amount of money and maintain their standard of living should the worst ever happen.

convertible term cover

Like Level Term, this provides a lump sum payment to your family in the event of your death. The benefit and premium will still remain the same throughout the chosen term of cover.

A convertible option allows you to continue your policy after the initial policy term for another specific term or to change it to a whole of life policy, both without having to provide further medical evidence.

This is very advantageous, if your health deteriorated over the initial term, then the availability of continued cover is still guaranteed. The extra cost for convertible term compared with level term is very minimal for what it provides (typically about 5-10%) depending on age and smoking status.

whole of life cover

Whole of life cover as you’d comprehend is an insurance plan that lasts for the policy holders lifetime, and is not limited to a specific term. If you pass away the policy will provide a lump sum payment to your family or dependents. It can also provide tax-free inheritance planning cover for your family, so as not to impact their inheritance (33% inheritance tax liability).

Whole life cover does not cover you for serious illness. If you are diagnosed with an illness that is financially draining, you will not be protected by Whole of Life Insurance. We strongly advise that you take out separate policies to cover serious illness and income protection.

life insurance cover types

single life insurance policy

Single cover insures one person only. If that person passes away, the policy pays out, then the life insurance policy ceases.

joint life insurance policy

Joint cover insures two people under one policy. It will pay out on the first death of either joint insured person, the policy then ends when the first person dies.

We generally recommend against this type of policy, as dual cover (below) is priced the same.

dual life insurance policy

Dual cover insures two people under one policy. It will pay out on the death of both insured persons during the term of the policy. Payment to one person on the policy does not affect the benefit of the second person for dual cover, almost as if they each had single policies.

index linked cover

This is an optional facility designed to increase your benefits & premiums on an annual basis to protect against inflation – in keeping in line with the cost of living. The increase is normally at 3% or 5% pa, depending on the company, with the option to stop the facility during the term of the policy.

How much does life insurance cost?

The cost of your Life Insurance policy has several deciding factors such as the amount of cover you choose, your age, how many years you want the policy to run for, your current state of health, and depending on if you want single life cover or joint/dual life cover. Smokers will also pay a higher premium for cover than non-smokers.

How do we choose your provider?

This depends on several factors, such as:

– Your age.
– If you’re a smoker.
– If you have children.
– If you’re single.
– If you’re employed.
– If your partner is employed.
– Your current state of health.
– How much you earn annually.
– If you have a mortgage.

additional serious illness cover options

You can choose to add serious illness cover to your life insurance policy at an added cost.

accelerated serious illness cover

This is generally the most common option. With this option, The Serious Illness benefit is taken from the lifer cover benefit. So that the life cover benefit is reduced by the amount of any Serious Illness claim. For example, If the life cover benefit is €100,000 with €50,000 serious illness (accelerated), and a €50,000 claim is made for a serious illness.. The serious illness benefit is depleted and the life cover benefit reduced to €50,000.

standalone serious illness cover

With this option, The Serious Illness benefit is a separate benefit alongside the life cover. So that a claim for Serious Illness benefit will not affect the benefit of Life Insurance, which will still remain in place once the serious illness is paid out.

Guaranteed insurability

As you carry on living your life, Certain events may occur (Listed below) which mean you want to increase your life cover amount. But depending on health, another policy could be too expensive for you.

This option allows you to increase your life cover amount without having to answer any medical questions.

  1. Marriage
  2. Inheritance tax for your loved ones increases (Except if this is due to the removal of a tax exemption)
  3. Birth or legal adoption of a child.

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                  Jacinta O'Keeffe Positive: Professionalism

                  "I would tick all of the above boxes when rating Safenet Financial. It was a pleasure doing business with Jason and we would highly recommend this company."

                  Debbie Westfall

                  "Any questions I had were either answered on the spot or checked for me and researched which put my mind at ease."

                    What happens if...

                    That's no problem. We can give you a template "Letter of authority" Which you sign and send to the provider, this will give us access to any details required to review.

                    Your policy will be deducted monthly from your bank account. alternatively, if you have your policy number (This will be on your policy documents); You can call your provider and quote your policy number. The provider will disclose any information you require.

                    Your employment contract will contain all policies that come with your employment. Alternatively, you could ask your administration/hr department.