The traditional view of health insurance is that it is a very important cover for families to put in place to protect themselves when they get sick. It has enabled families to afford better healthcare privately by enabling them to access more privacy in hospitals, access to private hospitals and the services of expert consultants

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5th June, 2018

Posted In: Advice, Health, Insights

In financial advice businesses such as our own, not all of our time is spent dealing with the implementation and servicing of financial products on behalf of our clients. Because financial planning is so much deeper than simply putting products in place. Instead our clients today come to us with relatively simple questions (that are

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5th June, 2018

Posted In: Advice, Financial, Insights

When we’re designing an investment portfolio for our clients, we take into account quite a number of considerations. We start by understanding your investment goals and time horizons, and then we build a full understanding of your liquidity requirements, any asset class preferences that you might have and also the returns that you expect. This

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5th June, 2018

Posted In: Advice, Financial, Insights

Irish Life Health will change the premiums of a large number of plans on 12 June 2018. Net adult premiums will change from +3 to -10%. Irish Life Health will be offering a ‘One Month Free’ special offer on its BeneFit range from 12 June.  A full price template can be found here.ILH Pricelist 12.06.2018.xlsx

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28th May, 2018

Posted In: Health, Insights

PMI 06 10 (€1357.36 per adult, €336.39 per child 1-3) provides cover for a private room in a public hospital and cover for a semi-private room in a private hospital with an excess of €75 per private hospital claim. Full cover is provided for listed cardiac and special procedures in the Mater Private and Blackrock Clinic,

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28th May, 2018

Posted In: Health, Insights

Connect Simplicity (€1,285 per adult and €296 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 a €100 day case excess and €150 inpatient excess on the first two inpatient private hospital claims per year only. Full

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28th May, 2018

Posted In: Health, Insights

Irish Life Health will apply a price change across 15 plans from 1 April 2018. These plans will reduce in price ranging from -2 to -6% on net adult premiums. The new rates can be seen in the attached spreadsheet. ILH Price Changes 01Apr18.xlsx These premiums apply to all new and renewing customers from this date.

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28th May, 2018

Posted In: Health, Insights

Laya Healthcare will apply a price change across 23 plans from 1 April 2018. Plans will change in price ranging from -6 to +13% on net adult premiums. Laya Healthcare will be offering a ‘Free Kids Offer’ across 7 plans from 1 April 2018.  The 2nd and subsequent child on a policy on the Advantage

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28th May, 2018

Posted In: Health, Insights

Income Protection is that still relatively rare product in many people’s financial portfolio. Why is this? Particularly when it covers far and away your biggest asset, your income. The reason we believe that income protection remains ignored by many people is because they don’t have to take out this cover. Unlike car insurance, which is required to

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22nd March, 2018

Posted In: Advice, Financial, Insights

The biggest change in the Health Insurance market in years happened in May 2015 and passed quite a lot of people by… Up until then, everybody in Ireland was charged the same premium for a particular health insurance plan, irrespective of their age, gender and the current or likely future state of their health. This

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22nd March, 2018

Posted In: Health, Insights

With markets having powered ahead in recent years, in general people are happier talking about the performance of their investment portfolio. After all, it’s easier to talk about gains than losses! But we’ve noticed some conversations shifting towards consolidation of gains as the prospect of a turn in markets probably moves closer all the time.

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22nd March, 2018

Posted In: Financial, Insights

PMI 04 10 (€1339.37 per adult, €362.19 per child 1-3) provides cover for a private room in a public hospital and cover for a semi-private room in a private hospital with an excess of €75 per private hospital claim. There is no cover in the Bon Secours Hospital Cork, Blackrock Clinic, Bon Secours Hospital Galway,

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22nd March, 2018

Posted In: Health, Insights

Irish Life Health will apply a price change across 15 plans from 1 April 2018. These plans will reduce in price ranging from -2 to -6% on net adult premiums. The new rates can be seen in the attached spreadsheet. ILH Price Changes 01Apr18.xlsx These premiums apply to all new and renewing customers from this date.

Read more >>


22nd March, 2018

Posted In: Health, Insights

Laya Healthcare will apply a price change across 23 plans from 1 April 2018. Plans will change in price ranging from -6 to +13% on net adult premiums. Laya Healthcare will be offering a ‘Free Kids Offer’ across 7 plans from 1 April 2018.  The 2nd and subsequent child on a policy on the Advantage

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22nd March, 2018

Posted In: Health, Insights

Every day we advise clients across the country, and as a result we see first hand the confusion that exists around Health Insurance. Confusion reigns as consumers are researching the market coming up to renewal date, to make sure you are on the correct plan for your own needs and getting the best value for

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13th February, 2018

Posted In: Health, Insights

Tax is a necessary evil. If we want to live in a country with access to public services, taxation is the system used to pay for these services. We can (and do!) argue and moan about the different levels of tax payable and whether they are levied fairly. But at the end of the day,

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13th February, 2018

Posted In: Advice, Financial, Insights

As we begin a new year, we’ve been thinking about how we can help our clients even more with all of their financial challenges. As part of this thinking we’ve identified a few ways in which we believe we help you manage your money better. So here goes…   Take a strategic view with your

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13th February, 2018

Posted In: Advice, Financial, Insights

We’re at that time of year again when nearly 50% of Health Insurance customers are getting to renew your health insurance in January. Many will simply renew without really thinking about it to any great extent – the Health Insurance providers are delighted when this happens! However more and more people are aware of the

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18th December, 2017

Posted In: Advice, Financial, Health, Insights

Experience in the life assurance industry shows that most life assurance policies are taken out by people in their 30’s, 40’s and to a lesser extent in their 50’s. There is a very low uptake of life assurance by people in their 20’s who think; “I don’t need it now, I’ll buy it when I

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18th December, 2017

Posted In: Advice, Financial, Insights

Are you a cohabiting couple? Get protection advice! According to the Census carried out in 2011, 12% of families in Ireland are now made up of cohabiting couples.  This cohort of our population still faces some unique challenges when it comes to personal finance and inheritance. In this article, we’re going to identify some of the

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18th December, 2017

Posted In: Advice, Financial, 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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