Leaders in Life Assurance and Family Protection

Let Us Help Secure You, Your Business, and Your Family's Financial Future

Request a Quote
Name (*)
Invalid Name
Phone (*)
Invalid Phone Number
Email (*)
Invalid Email Address
Cover Required (*)
Invalid Cover Amount
Age
Invalid Age
Gender (*)
Invalid Gender
Smoker (*)
Invalid Input

Total Health Cover.ie and Cregan Kelly O'Brien have teamed up to offer you a Free No Obligation Life Assurance Quote

Life insurance/Assurance and Family Protection

Did you know that:

33% of parents have no life cover!

40% of adults have no life cover!

Average cover for Adults with life assurance is €103,000

1 in 2 customers say they want advice on life assurance and want guidance from a Financial Advisor or Broker

We all want to provide for our family, but what would happen to your loved ones in the event of your death? If they could not rely on your income, how would they manage financially?

Family protection is  another way of describing life insurance, pays out a lump sum or a regular income on death and can offer a financial lifeline to grieving relatives. A policy could cover day-to-day expenses or even a specific commitment, such as school fees.

Term insurance

Term insurance is the simplest and often the cheapest because it pays out only if you die within the defined term. For example, you might take out a 25-year plan so the policy would pay out if you were to die in the next 25 years. Your family would get nothing if you were to die after the end of the term. You can buy level term insurance, where the pay-out remains the same whether you die in year one or year 25. Or you can arrange decreasing term insurance so the pay-out gets gradually smaller. For example, a policy might pay out £100,000 in year one but only £5,000 in year 25. Decreasing term insurance is often linked to a repayment mortgage because the amount you owe the lender reduces over time.

Another option is family income benefit. Here, instead of a lump sum pay-out, the insurer commits to paying a set monthly income from the time of the claim to the end of the agreed policy term.

A regular income can be easier to manage as it can simply replace your salary. Premiums can also be cheaper as the longer you live, the less the insurer has to pay out.

The premiums for both level and decreasing term insurance and for family income benefit are fixed throughout the policy term. However, decreasing term insurance and family income benefit tend to be cheaper than level term insurance.

Whole of life cover

Whole of life assurance pays out whenever you die. It is usually linked to an investment such as a pension or an endowment policy and is often the most expensive type of cover because a claim is inevitable (which is why it’s called assurance; insurance is for something that might happen). The premiums can vary if the investment performance is poor.

The amount of cover you need depends largely on your personal circumstances and your budget. If you have several young children, for example, you may need more cover than someone with one older child.

The size of your mortgage can also help to determine the size of the sum insured.

Check, too, whether you have any existing cover. For example, your employer might offer death-in-service benefit, which could pay a lump sum of around four times your annual salary if you were to die while still employed by the firm.

You should include any potential death-in-service pay-out when determining how much insurance you need to buy.

Insurers take into account a number of risk factors when setting the premiums for life insurance. Older people are obviously more risky than younger people as they are more likely to die sooner. For the same reason, someone in poor health can expect to pay more for family life insurance. Dangerous occupations and pastimes can also push up premiums.

Financial Tip: Life assurance costs have reduced over last number of years. We may be able to save you money on your existing life cover or mortgage protection policy so contact us if you have a life policy, especially one whereby the premium is due to increase shortly e.g. a Whole of Life policy.

Factors Affecting Life Assurance/Life Insurance/Life Cover

  • Level of cover you require
  • Your Age
  • Smoker Status
  • Health Issues
  • Length or term of cover

I found the advice from Cregan Kelly O' Brien first class. They explained in great detail the best type of policy to suit our needs. They guaranteed that they would provide us with the best cover at the best price. I would highly recommend them to anyone and I have already passed on their details to all of my family and friends..

 

Mark & Marguerite Con Dublin

Colm Kelly - Life Assurance

Request a Call Back

Need Advice, Information,
or a quote?

Call us now on 01 870 0370
or request a call back

Why Choose Cregan Kelly O'Brien for Pension Advice

Contact Cregan Kelly O'Brien
Financial Planning
Colm Kelly
T: +353 1 870 0370
E: colm@ckob.ie

Insurance
Tommy O'Brien
T: +353 1 883 9020
E: tommy@ckob.ie

Innovative Pension Advice

Planning for your desired lifestyle in retirement is a significant challenge facingpension investment yourself business owners and professionals today. You want to maximise the tax advantages and also your retirement benefits, all in a risk controlled manner. At Cregan Kelly O’Brien Financial Planning, this is what we do.  Whether you want to take control of your pension investment yourself , buy property with your pension fund, or invest in a more traditional fund; Cregan Kelly O'Brien has the expertees, experience and market knowledge. More About Pensions

Our unique combination of experienced financial planning, insurance, accounting and tax specialists within the one firm allows to us brings to gether all the skills necesary to provide the best advice.  Using our unique "On Track" approach, we work together to get to the heart of your financial challenges and devise solutions to suit your unique circumstances.
How Can We Help You?

At Cregan Kelly O'Brien, we understand that you face a wide range of financial challenges - running your business effectively, growing your wealth, protecting your family and managing your insurance needs. Our role is to help you make sense of these.

Cregan Kelly O'Brien provides expert financial, tax and insurance advice and solutions to business owners and private individuals in the following areas: Financial Planning, Future Cash Flow Planning, Wealth Management and Retirement Planning, Wealth transfer, Risk identification, Risk Management, Protection & Insurance, Cost Effective insurance solutions.

Cregan Kelly O'Brien provides insurance broking services, and pension schemes for businesses, business owners, and professionals.

Cregan Accountants are a leading firm of Certified Public Accountants and Business Advisors, based in Fingal, Co. Dublin. In addition to the traditional services that you expect from an accountant, we also provide a range of financial and management services specifically designed to make your business more successful, more valuable and more enjoyable to run. Unlike other accountants in Dublin, we offer fixed fees so you can keep track of costs, so get in touch today.

By combining expertise in financial planning, insurance, accounting, and taxation, we can address important financial and insurance challenges of our clients.

  1. Financial Planning
  2. Future Cash Flow Planning
  3. Tax Planning
  4. Wealth Management & Retirement Planning
  5. Wealth Transfer
  6. Business Insurance Risk Management
  7. Family Protection & Personal Insurances
  8. Find Best Market Options Available

contact ckobcontact ckob

Financial Advice

Financial Advice

Cregan Kelly O'Brien have over 50 years experience providing financial advice. We can provide advice on a fee basis or commission whichever you prefer. We employ qualified financial advisors, and tax consultants so we have the expertise to provide advice from many different perspectives if required. More About Financial Advice
Commercial Insurance Broking

Commercial Insurance Broking

We understand what a complex and sometimes frustrating challenge managing insurances can be. You want to ensure you have the right cover in place, at the lowest possible cost and be  confident that if or when you do suffer a loss, it will be sorted out quickly and without any fuss. More About Insurance Broking Services
Pensions

Pensions

Planning for your desired lifestyle in retirement is a significant challenge facing business owners and professionals today. You want to maximise the tax advantages and also your retirement benefits, all in a risk controlled manner. At Cregan Kelly O’Brien Financial Planning, this is what we do. More About Pensions

Income Protection

Income Protection

We don't usually think of our current income and future earnings as an asset. However, this is what pays for everything else - mortgage, bills, childrens' education, insurances and so on. If you no longer had this income, how would you pay for everything? This is where income protection comes in. It's more cost effective than you think, and provides you with an income if you are out of work because of an illness, injury, accident,  or disablement. More About Income Protection
Savings & Investments

Savings & Investments

The best bank deposit rates available are 1.7% Gross (May 2015). There are alternatives with a better return. Some products allow instant access, others rolling terms. e.g. The Standard Life GARS fund has a lowest return of 4.9% p.a, highest return of 13.5% p.a (June 2006-Jan 2015)*. The Zurich SuperCapp fund* has never lost a client a single cent, and provides instant access to your funds. More About Savings & Investments
Life Cover

Life Cover

Life Cover or Life Insurance, pays out a lump sum or a regular income on death and can offer a financial lifeline to grieving relatives. A policy could cover day-to-day expenses or even a specific commitment, such as school fees. There is more than one type of cover available, so it's important to talk to your broker about which type and options are best suited for your personal needs.  Read More about Life Cover
LIfe Cover for 0ver 50's

LIfe Cover for 0ver 50's

It's a fact that the cost of Life Insurance cover increases when you reach the age of 50, but it's still affordable, and surprisingly cost effective. We guarantee to arrange life cover for you. If cover is not available through the normal proposal route, then guaranteed life cover with no medical questions can be arranged, which will provide your family or estate a lump sum if you die. Terms & conditions obviously apply. Life Cover for Over 50's
Life Cover  for Diabetics

Life Cover for Diabetics

There is no reason why someone who has diabetes that is well managed should not be able to get a life insurance policy. You may have to undergo a medical, provide details of your treatment and condition through your GP or specialist consultant, and you may end up paying slightly more in premiums, but cover is available. The sooner you put life cover in place, the less it costs in the long term. More About Life Insurance for Diabetics

contact ckobcontact ckob

Colm Kelly - Financial Planning & Advice

Tommy O'Brien - Insurance Broking Services

Cregan Kelly O'Brien Overview

Cregan Kelly O'Brien Financial Planning offers a unique combination of experienced financial planning, insurance, accounting and tax specialists within the one firm. Almost always, key financial decisions regarding a business or family have implications across related areas, and these need to be fully understood before choosing the right option. Using our unique "On Track" approach, we work together to get to the heart of your financial challenges and devise solutions to suit your unique circumstances.
Signup To Our Newsletter

A Quarterly Newsletter with the latest news and products for pensions, savings, and insurance.

Cregan Kelly O'Brien will not share your contact details with any third party.

Request a Call Back

Need Advice, Information,
or a quote?

Call us now on 01 870 0370
or request a call back

Contact Cregan Kelly O'Brien
Financial Planning
Colm Kelly
T: +353 1 870 0370
E: colm@ckob.ie

Insurance
Tommy O'Brien
T: +353 1 883 9020
E: tommy@ckob.ie

Testimonials

Get In Touch

Financial Services

Colm Kelly

Tel: 01 870 0370

Insurance Broking Services

Tommy O'Brien

Tel: 01 883 9020

Please type your full name.
Invalid email address.
Invalid Mobile Number format (Irish mobiles only)
Invalid Query Type
Invalid Input
Location

Invalid Input
Address

Unit 2,

Broadmeadow Hall

Applewood Village

Swords

Co. Dublin

Call Us Today on 01 870 0370

++ The value of investments can fall as well as rise, past performance is no guarantee of future results

About Cregan Kelly O'Brien

 

In 2007 Maurice Cregan and Colm Kelly established CK Financial Services to provide independent financial planning and advice to business owners and individuals. Tommy O'Brien, a General Insurance expert, then joined them in 2010, enabling them to meet the full financial needs of their clients. The group has since been renamed Cregan Kelly O'Brien.

Latest Twitter Posts

Call us now on 01 870 0370
or request a call back