Your Health Insurance can seriously improve your lifestyle
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
Lyons Financial Services 5th June, 2018
Financial advice is about more than products
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
Lyons Financial Services 5th June, 2018
What are the risks to your investments?
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
Lyons Financial Services 5th June, 2018
Irish Life Health price and benefit changes 12.06.2018
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
Lyons Financial Services 28th May, 2018
Vhi will launch a new plan PMI 06 10 on 1 May 2018
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,
Lyons Financial Services 28th May, 2018
Laya Healthcare will launch a new plan Connect Simplicity on 1 May 2018.
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
Lyons Financial Services 28th May, 2018
Irish Life Health price and benefit changes 01.04.2018
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.
Lyons Financial Services 28th May, 2018
Laya Healthcare price changes 01.04.2018
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
Lyons Financial Services 28th May, 2018
Protect your biggest asset with Income Protection
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
Lyons Financial Services 22nd March, 2018
Did the big change in Health Insurance pass you by?
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
Lyons Financial Services 22nd March, 2018
Talk like an investments ninja!
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.
Lyons Financial Services 22nd March, 2018
Vhi will launch a new plan PMI 04 10 on 1 April 2018
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,
Lyons Financial Services 22nd March, 2018
Irish Life Health price and benefit changes 01.04.2018
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.
Lyons Financial Services 22nd March, 2018
Laya Healthcare price changes 01.04.2018
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
Lyons Financial Services 22nd March, 2018
Health Insurance in Ireland – what you need to know
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
Lyons Financial Services 13th February, 2018
Pay less tax in 2018
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,
Lyons Financial Services 13th February, 2018
5 ways we can help you with money in 2018
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
Lyons Financial Services 13th February, 2018
Don’t just blindly renew your health insurance!
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
Lyons Financial Services 18th December, 2017
You’re never too young to put life cover in place
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
Lyons Financial Services 18th December, 2017
Are you a cohabiting couple? Get protection advice!
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
Lyons Financial Services 18th December, 2017