Mortgage Protection is a life plan which is normally assigned to a mortgage lender. As you pay off your mortgage, your cover will reduce to reflect the reducing amount you owe on your mortgage.
At TMS, we can arrange Income Protection for you. Income Protection provides a regular income which is paid out if you cannot work due to an illness or injury. You may need income protection if:
- you are self-employed
- you have little or no sick pay from your employer
- you have no ill-health pension protection.
Serious illness cover (also called specified illness cover) is an optional benefit which pays a lump sum if you suffer from one of the 25 common conditions Irish Life cover, such as malignant cancer, heart attack (diagnosed) and stroke (permanent symptoms).
You and your family can use this lump sum to pay off bills or the mortgage, and to help give an income at this distressing time.
Out there in the mortgage market, there is a bewildering range of mortgage deals open to you. TMS can help you make the right choice at every step of the way. And because we don't represent a particular Bank or Building Society, we can use a wide range of lenders to find the mortgage that is especially right for your needs across:
- Buying a home
- First Time Buyers
- Building your own Home
Almost all of us have saved money, whether in post office books, deposit accounts or SSIAs. So we all understand the benefits of putting aside some money and watching it grow. Investing is no different and can offer the potential to get a greater return on your money. Long term investing doesn't have to be complicated and we have some investment tools, calculators and an investment guide to help you determine what type of investor you are and the level or risk and reward you're happy with.