A Wealth of Experience in Financial Services
Personal service, expert advice and a wealth of experience – the hallmarks of Keaney Financial Services across the broad range of services we offer.
Personal & Family Protection Insurance
Insuring yourself helps to protect and secure your family’s financial well being and the cost is surprisingly less than you might think.
Term Assurance – In the event of your death or serious illness, a tax free lump sum is paid to your dependants
Mortgage Protection – In the event of your death or serious illness, a tax free lump sum is paid to clear your mortgage
Serious Illness Cover – In the event you contract a specified serious illness, a tax free lump sum is paid to your dependents. Typically, almost 40 illnesses are covered, with Heart Attack, Cancer and Stroke, accounting for almost 85% of all claims in 2010. Bearing in mind you are four times more likely to suffer a serious illness than die before age 65, can you afford not to have this cover
Income Protection – More commonly known as PHI (Permanent Health Insurance), it pays an agreed monthly income to an individual who is unable to work due to accident or any illness, for as long as they are out of work. In 2009, Stress accounted for almost 60% of all PHI claims and the premiums are fully tax deductible
Pension Term Assurance – This is simply a Life Assurance policy, but as it is governed by relevant Pension legislation, premiums are fully tax deductible. These policies cannot be assigned to a bank as security against a loan or mortgage, but they are a very tax efficient way of putting in place “personal” life cover
Mortgage Repayment Protection – In the event you are unable to work due to accident, illness or redundancy, your mortgage will be paid for a specified period of time, usually 12 months