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What are you even covered for?
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This Months News
  1. Free Will Offer extended
  2. Life Cover for unmarried couples - Beware of the tax implications!
Hi <<First Name>>,

Great News! The Will Wise campaign that Irish Life offer has been extended to the 26th August. If you do not have a Will in place this might be the right time.

All customers who take out a protection plan (Life Cover policy) while the offer is running can get a basic will completed with one of the panel of independent solicitors listed on the customer flyer for no additional charge.

If you would like to know more about why should have a Will. Click here.

Want to avail of this offer?

  • All you have to do is complete a short Life Cover questionnaire.
  • We will make a recommendation for the most suitable type of Life Cover.
  • If you are happy we will apply for cover.
  • Once accepted and on cover, Irish Life will send you your voucher for your will.
Get Life Assurance & a Will

Life Cover for unmarried couples

So here's the Problem:
Most people are aware that inheritances passing between married couples or registered civil partners are exempt from inheritance tax. This exemption only applies for legal spouses and registered civil partners. All other co-habiting couples are treated as strangers for inheritance tax purposes!

Potential Solutions
  • As long as you have an insurable interest in your co-habiting partner, you can take out a policy and pay for the their cover. You are the 'owner' of the policy, but they are the 'life covered'. This is called - 'Life of Another'.
  • You can increase the level of cover you are taking out on a 'joint' basis by the potential tax liability. This will serve as a way to reduce the total tax bill that would be payable.
FIND OUT MORE
Thank you for your continued support, feel free to get in touch at any stage.

Jonathan McDonnell QFA
0857242663

 
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