Baby Boom!!!

Do you know that Ireland is currently experiencing a Baby Boom, having one of the highest birth rates in the EU?

BECOMING A PARENT

Becoming a parent will naturally cause you to revaluate your priorities, and protecting your family will undoubtedly be top of this list. These are thousands of new parents in Ireland right now going through the same wonderful life changing experience as you are, with Ireland currently in the midst of a Baby Boom, having one of the highest rates in the EU.*

We all know how much our children depend on our support. This feeling of knowing they are provided for is one of the many joys of being a parent. Being in a position to give them all the love and attention they need, all their daily wants as well as those little extras, like Birthday gifts and Christmas treats are what make their childhood so exciting and memorable.

BUT WHAT IF...?

Having a family is a wonderful thing, but there's no doubt it's also expensive! School fees, medical expenses, clothing, food, childcare - these are just a sample the on-going expenditures a parent will incur over a child's life.

This topic is not something anyone likes to dwell on, but have you ever before considered how your family would cope in financial terms, if you were to die suddenly? Not something any of us like to think about and fortunately for those of us in good health, this prospect is a distant thought. However, it is very important to protect your loved ones and provide them with the means and peace of mind of knowing, that they can continue to meet future and ongoing expenses and bills. In the unfortunate event of your death, having the adequate Life cover provisions in place can help your family to cope financially with such a loss, without the added presure of extra cash and monetary concerns.

LIFE COVER

Life Cover provides your dependents with a guaranteed lump sum payable should you die during the term of your policy. Premiums are paid to a Life Assurance provider throughout the term of your policy, to guarantee a payout from them to your dependents in the event of your death.

Taking out a €350,000 Life Cover policy today can cost as little as €16 per month for females** & €21 per month for males***.

We understand that following the birth of a child, being inundated with expenses such a financially demanding time can be difficult. But as you know, th emost prudent thing to do is to prioritise what represents a necessity. Thankfully, with a decrease of up 40% in Life Cover over the last decade there is great value now currently available in the market, with these manageable monthly payments contributing towards securing your child's future financial welfare.

We can also advise you on the benefits of Specified Serious Illness Cover for you and your family.

Simply contact us on 053-9146592 or by email info@nfs.ie at a time that suits you, and we will be delighted to assist you in choosing the best cover to meet your needs.

Follow your natural protective instincts by talking to us today about Life Cover.

41% LESS* than a regular life policy!!!

It is that time of year again, with tax returns due just around the corner at the end of October. With this in mind, do you know there is a tax relief associated with the current pension legislation which can allow both self-employed, & employed individuals not currently involved in a pension scheme, save up to 41% on Pension Term Assurance*....

The deadline for the 2012 Tax Return is Wednesday October 31^st.

(For more information please visit www.Revenue.ie)

WE ALL KNOW TAKING OUT LIFE ASSURANCE POLICY IS A GOOD IDEA... but sometimes with all the other demands on your income such as mortgage payments, utility bills, holidays, school fees, the weekly grocery shop...it can only be hard to see how to budget for Life Cover.

There's a solution available that delivers the peace of mind that comes from knowing that these expenses will be covered should you die. In fact it can cost up to 41% LESS* than a regular life policy.

Its name.....PENSION TERM ASSURANCE

Quite simply, this is a Life Assurance product that is structured to utilise the tax relief that is available under Pension legislation - and you don't even need to have a Pension to benefit from this type of policy!

You can avail of the benefits of Pension Term Assurance and protect your family and their financial security provided you are:

• Self employed or
• Working in non-pensionable employment

* Tax relief is available at the marginal rate of tax. 



Zurich Life 3 NEW Fixed Rate Deposit Funds

Zurich Life is delighted to announce the launch of 3 NEW Fixed Rate Deposit Funds to compliment their suite of existing cash and secure options. For a limited time - until 27th August 2012 (or earlier if fully subscribed) - Zurich Life is offering a range of Fixed Rate Deposit Options for you to choose. 1 year option with KBC Bank Ireland plc paying 3.95% AER* 3 year option with EBS Limited paying 4.00% AER* 5 year option with EBS Limited paying 4.70% AER* These three new Fixed Rate Deposit Funds are available to new and existing single premium pensions including top-ups. Please click here for all details on these attractive options. These funds are only suitable for clients wanting to remain invested in the fund up to the maturity date. It will not be possible to switch, encash or partially encash from the funds before the maturity date. However, it will be possible to partially encash or make regular withdrawls of up to 5% per annum on ARF and AMRF policies on the 30th November each year. Withdrawals from AMRFs are subject to Revenue restrictions.

The new Fixed Rate Deposit Funds are only available for a limited time, until 27th August 2012 (or earlier if fully subscribed) - so don't delay, contact us today on 053 9146592. *AER refers to the Annual Equivalent Rate.