The income protection deferred period is important.

Shorter deferred periods mean a higher premium.

But is a longer deferred period a waste of money?

Not many people know this, but we've been a life insurance broker in Tullamore since 1997.

Remember Talbot's Shop?

Mrs Talbot used to sell all sorts of sweets in quarter bags - you could call her the original Mrs McGuire.

Well, we bought Talbot's shop way back in 1997 and have been serving Tullamore ever since - that's a quarter of a century providing life insurance products to the local community in Tullamore!

Pension Term Assurance is a valuable tool for ensuring your family's financial security while taking advantage of tax savings.

For business owners, it’s an effective way to provide peace of mind without a heavy financial burden.

Income protection provides regular payments to replace lost income if you're unable to work due to illness or injury.

Serious illness cover pays a lump sum upon diagnosis of a specified critical illness.

But which is better?

TL DR It's Income Protection ALL DAY LONG

Cohabiting couple.

It’s surely the unsexiest way of referring to living with your other half. Second possibly only to ‘living in sin’ – but even that has a certain ring to it, doesn’t it?

And sure, you might be perfectly happy in your unwedded bliss – but you do need to consider certain ramifications when it comes to tax.

Are you:

struggling to understand funeral insurance
worried you're going to put the wrong cover in place
fed up trying to make sense of different quotes

If so, this article will help clear things up.

Some people find it difficult to see the value of life insurance if there is no payout on death.

And I could bang on about things like peace of mind and the value of knowing your loved ones are ok should the worst happen

But instead, let's look at what I call living benefits of life insurance (or what you can get while you're still above ground)

Imagine you were diagnosed with a serious illness? How much would you value a free second opinion from one of the world's leading doctors?

If you have a policy with Aviva, you have access to just that.

While financial planning sounds like something only the rich do, there’s a lot to be said for it.

And I know it all sounds desperately dull.

Still, proper financial planning = being able to spend your money without freaking out about whether you can afford to.

We have a handy calculator here to help you plan.

Today is the day we're training to meet Mike Tyson in the ring.

If you ever did meet Tyson in the ring, there's a good chance you're not coming out alive.

So for this particular conversation Tyson is death, I'm your trainer and we're here to ready you for the day Tyson comes a callin'.

Hopefully, it never happens.

So we have the chats, talk about income replacement, see how much cover you need to take care of your family. We calculate a figure, discuss the different insurers, settle on a premium. You're happy, I'm happy. We put €1m cover in place, shake hands and hope for the best.

Two years later...