Every Irish child has at some stage heard an exasperated parent saying, “You know, money doesn’t grow on trees”. You may have even used it yourself! While it certainly is a valuable lesson for a child, there are many ways we can guide our children to help them understand money and put them on the

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31st October, 2017

Posted In: Advice, Financial, Insights

A marriage breakup is usually a traumatic time. Very significant life decisions are needed about custody of children and access arrangements, and where each party will live. Often relations between the parties become quite fraught… and then financial arrangements need to be agreed. At this stage, the difficult areas of dividing up the assets, maintenance

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31st October, 2017

Posted In: Advice, Financial, Insights

History teaches us many things. Particularly if we’re looking for a bit of guidance in prudent personal financial management, the last decade offers us a wealth of useful lessons.   So, what’s changed over the last decade? During the last decade we’ve seen a (hopefully) once in a lifetime global economic collapse, the entire banking

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10th August, 2017

Posted In: Advice, Financial, Insights

One of the more important business activities of any company owner or partnership is the whole area of risk management. Yes of course you have the day-to-day challenges of bringing your products to market, selling, building your brand and your presence, and meeting and exceeding the expectations of your customers through your product delivery. Sitting

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10th August, 2017

Posted In: Advice, Financial, Insights

Private health insurance market is the largest non-life market with total premiums of €2.53 billion in 2016 The market continued to recover in 2016 with an increase in the total number of lives insured to 2.15 million at December 2016, an increase of 30,000 on December 2015. Average claims paid per insured person increased by

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10th August, 2017

Posted In: Health, Insights

VHI customers only to use Swiftcare clinics from 1 September Vhi Healthcare has announced that from 1 September 2017, only Vhi customers will be allowed to use their Swiftcare clinics. Vhi Healthcare stated that the decision was made due to the increased usage of the Swiftcare clinics by the general public, which Vhi said has often left

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10th August, 2017

Posted In: Health, Insights

Laya Healthcare price and benefit changes 01.09.2017 Laya Healthcare will carry out premium amendments on 5 plans from 1 September 2017. ConnectCare 100 will reduce from €1,358.63 to €1,298.96 per adult and from €441.59 to €420.85 per child 1 and 2 and from €365.89 to €351.88 per child 3 and 4 Essential Connect Health will

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10th August, 2017

Posted In: Health, Insights

360 Care Select (€1,750 per adult and €447.98 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with no private hospital excess for the first three private and hi tech hospital claims combined. An excess of €150 

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10th August, 2017

Posted In: Health, Insights

PMI 15 11 will increase from €1,223.09 to €1,280.01 per adult from 1 September 2017. Young adult rates will also change on this date. PMI 12 11, PMI 15 11 and PMI 19 11 will gain enhanced Swiftcare benefits from 1 September 2017.  These benefit changes can be viewed here. Vhi Swiftcare benefits.xlsx All new and

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10th August, 2017

Posted In: Health, Insights

Vhi will change the prices on PMI 18 11 from 22 August 2017. The adult premium will increase from €1,250.22 to €1,263.27 and children 1-3 prices will decrease from €347.96 to €344.48. Young adult rates will also increase.   Vhi will also add and enhance benefits on PMI 38 14 from 22 August 2017. Home

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10th August, 2017

Posted In: Health, Insights

4D Health 1 (€1045.40 per adult, €276.40 per child) provides cover for a semi-private room in private hospitals with a €200 inpatient excess per claim and a €2,000 co-payment on certain orthopaedic procedures. It also provides cover for a semi-private room in the Beacon Hospital with a €200 inpatient excess per claim. Day Case cover

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10th August, 2017

Posted In: Health, Insights

Laya Healthcare will carry out premium reductions on 3 schemes from 1 August. Control 150 Create will reduce from €1,393.14 to €1,346.73 per adult and from €322.10 to €312.72 per child. SimplyHealth Excess will reduce from €1,457.56 to €1,374.68 per adult and from €393.79 to €374.10 per child 1 and 2 and from €352.34 to

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10th August, 2017

Posted In: Health, Insights

Vhi Healthcare will make the following benefit changes to the listed plans on 1 August 2017: New Vhi  Swiftcare Benefits will be added to 9 plans: One Plan Access One Plan Access Plus One Plan 150 One Plan 250 One Plan 500 Company Plan Extra Select PMI 29 12 PMI 37 13 PMI 44 16

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10th August, 2017

Posted In: Health, Insights

Vhi will begin a half price kids offer from 1 August 2017 on all One Plans and Teachers Plan Select and Nurses Plan Select plans. PMI 10 11 and PMI 29 12  will also change in price. Premiums can be viewed here. 01.08.2017 Vhi Pricing Template.xlsx The above information was sourced with the permission of the

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10th August, 2017

Posted In: Health, Insights

Vhi Healthcare will release a new plan, PMI 14 10 (€1,305.29 per adult, €336.67 per child 1-3) on 1 August 2017. This plan covers a private room in a public hospital and a semi-private room in a private hospital with an excess of €75 per claim. There is full cover for cardiac, special and day

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10th August, 2017

Posted In: Health, Insights

The answer to this in all honesty is probably no! But in reality there will probably never be enough young people paying for health insurance…   Why is that? Young people are the lifeblood of any health insurance system. Under the system of “community rating” that has operated in Ireland for years, everybody paid the

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12th June, 2017

Posted In: Financial, Health, Insights

Lots of factors are currently creating a great deal of uncertainty for investors; Brexit, President Trump settling into the White House (and his first 100 days has shown us that this could be a bumpy ride!), tensions in North Korea and continuing low growth across Europe. Then when you consider interest rates at rock bottom, uncertainty

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12th June, 2017

Posted In: Financial, Insights

“Of course I do!” I hear you say. But is that actually the case? This is a really important question, and one that we work really hard on with our clients. It’s really important because it helps you clarify how much risk you are willing to take with your money, in return for different levels of reward. Let us

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12th June, 2017

Posted In: Financial, Insights

Vhi will change the price of PMI 12 11 from 1 July 2017. The adult premium will increase from €1,231.62 to €1,245.94 and children 1-3 prices will increase from €247.43 to €258.57. Young adult rates will also increase. These changes are effective from this date. The above information was sourced with the permission of the

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12th June, 2017

Posted In: Health, Insights

Laya Healthcare will release 360 Care on 1 July 2017. 360 Care (€1,750 per adult and €447.98 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with no private hospital excess per claim. Full cover is provided

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12th June, 2017

Posted In: Health, Insights

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What Our Clients Say

Just want to say thank you for all your help and advice and for being so patient with us. We are so delighted with our new home. We couldn’t have done it without you. Thank you and God bless.

Mae & Ramir

Many thanks for all your assistance in dealing with my claim under the Income Protection Scheme for period Jan 16 to Nov 16. For your efficiency and keeping in touch with me throughout and for all your work with the insurance company.

Rosaleen, Co. Laois

Many thanks for all your help and assistance in switching our health insurance. We were anxious about switching but you made the whole thing so easy and saved us a fortune as well. We can now afford a family holiday as a result.

Eamonn and Jackie, Co Galway

Lyons Financial Services arranged our Mortgage, Income Protection and Health Insurance and saved us so much time and money. They are so nice and efficient; we will always deal with them in the future.

Angela & Peter, Tuam, Co. Galway

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