Why take out Life insurance today?
Cover your financial future today, no matter what lies ahead you and your family are guaranteed financial protection.
You are never too late to apply for life cover, it provides you with much more than financial support. It offers stability, reassurance, emotional support and peace of mind in the event of the unexpected in our lives.
Why take out a life policy at a young age? i.e in your 30’s
- more affordable the younger you are
- you are probably earning more income
- probably less health concerns
- covers childcare costs, mortgages, loans, debts if something were to happen
Sample comparison quotes
A quick financial review will give a good indication of how much life cover you may need, life assurance is more affordable than some people think, so why not make that call today!
Reasons for taking our life insurance
- In your 30’s you are at the age, to get cover more affordable with a Term Life Insurance Policy.
- You are the main financial contributor in the home
- Your family would need a replacement income if you were no longer around
- Thinking about getting married, buying your first home
- Need Mortgage Protection or Starting a family.
- Your loved ones might not be able to pay the bills without your income.
The proceeds of your policy can help pay the mortgage or rent, childcare costs, college fees, utility bills or other regular expenses. Think of your policy as a LIFELINE for your family, Life Insurance is protection from risk.
Real Life Story
During our first lockdown during covid this year, Audrey was working from home and received a phone call from a lady. The lady was quite distressed and annoyed about a mortgage application that was drawing to a close with the bank. It was the last few days of their mortgage process. They were having serious difficulties. She asked could Audrey do something for her straight away as they had the understanding that all was sorted on their end, but it was quite the opposite. The lady received a call from the bank saying that they needed Life Assurance/Mortgage Protection in place before the end of that week or subsequently they would run into problems especially within these times of Covid.
Just a three-day turnaround to get an application submitted and the policy schedule handed into the bank. The lady communicated regularly with Audrey so that they could get an application submitted on line immediately. Together they managed to meet the deadline. That is what a broker is there for, They will be there in those difficult times to help you get a solution to the problem.
The lady was extremely happy with Audrey’s commitment and the service provided. It was a stressful time for the lady and she thought she had no one or place to turn to. But with commitment and determination, Audrey and Sheridan Insurances got the result that was wanted.
Comparison Life Quotes
| AGE | SMOKING
STATUS |
SINGLE/DUAL
LIFE |
LIFE COVER | TERM of Years | Premium
monthly |
| 30 | Nonsmoker | Single Life
Convertible |
€100,000 | 20 | €10.00 |
| 30 | Smoker | Single Life
Convertible |
€100,000 | 20 | €12.26 |
| 30 | Both non
smokers |
Dual Life
Convertible |
€100,000
each |
20 | G12.87 |
| 40 | Non smoker | Single Life Convertible | €100,000 | 20 | €13.36 |
| 40 | Smoker | Single Life
Convertible |
€100,000 | 20 | €24.71 |
| 40 | Both non
smokers |
Dual Life
Convertible |
€100,000
each |
20 | €22.00 |
| 50 | Non smoker | Single Life
Convertible |
€100,000 | 20 | €30.43 |
| 50 | Smoker | Single Life
Convertible |
€100,000 | 20 | €65.92 |
| 50 | Both non
smokers |
Dual Life
Convertible |
€100,000
each |
20 | €53.56 |
Quotes as per BIS platform of 29t^ October 2020
- Note All Quotes are subject to Underwriting
- Based on a level premium which is not linked to inflation
- Convertible policy is where you have the option to convert the policy before the expiry date into a new policy for another term without the need for further medical
- The cost of each product depends on your age, health, smoking status, chosen term, product type and level of
We, here at Sheridan Insurances will be able to tailor your premium to suit your requirements.