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Protecting your family


How would you or your family cope in the event of an untimely death or serious illness? Protecting what matters most is key. Our team is here to help you understand the impact this would have on you or a member of your family and protect against the financial problems that follow. Having the correct policy in place is important, and identifying what cover meets your needs is the first step. Each insurance policy provides a certain level and type of cover.


Life insurance


Term assurance is a policy that provides your dependents or your estate with a lump sum on your death within a specified period; that is, the term of the policy. There are many different elements you need to take into consideration when taking out a life policy; for example, the term, the amount payable on death and how much it will cost you. Additional factors to consider include guaranteed premiums, indexation and conversion options.

Serious illness cover


Serious or critical illness cover provides you with a lump sum should you become diagnosed with a specified or critical illness as defined in the terms and conditions of the policy. Most life companies’ specified illnesses are similar, but some offer a wider range of illnesses. It is important to ensure that you have a policy that meets your needs in terms of budget and benefit and to understand the type and level of cover you have.

Mortgage and business protection


Mortgage protection is a policy that essentially pays off the balance of your mortgage in the event of your untimely death. These days, it is quite difficult to get a mortgage without some form of protection in place.

Income protection


If you are employed or self-employed, have you considered the prospect of long-term sickness and what will happen when you are no longer receiving a regular or reduced income? Income protection provides you with peace of mind in this situation. Protect yourself and your dependents by plugging the gap in the event of a long-term illness.

Protecting your business


Many problems and complications arise for a business when a partner or key employee dies or becomes seriously ill. It makes sense to protect against the loss of certain key members of your business. The chances of a partner or director in a business dying or becoming seriously ill before retirement are a lot higher than you might think. The lack of credit available to small businesses could result in surviving business owners having insufficient funds to purchase a deceased owner’s share of the business or, in some instances, getting into financial difficulty because of a key employee’s death.


You can’t predict tomorrow, but you can plan for it. Our team is here to help you understand the impact of such an event and tailor a package from a range of life insurance plans to meet your business’s needs, including plans for employees, directors, partners and group risk schemes. Talk to us today.


Talk to us today


We’re here to help. Our team will tailor a plan specific to you and your family’s needs and budget. We can also work with you to help ensure you and your company are protected if the unexpected happens with a plan tailored to you and your firm’s needs and budget. Talk to us today.


Key person insurance


Key person insurance safeguards your business in the event of the death of a key employee and maintains your company’s continued financial stability in the future. A key person is anyone who the company depends on for its continued success — anyone whose specialised skills, reputation and contacts are critical to the business and whose death would have serious consequences for the profitability of the company.


Partnership insurance


The untimely death of a partner in a firm can have serious financial implications for the continuing partners. Partnership insurance provides the funds to enable the continuing partners to buy out the share of a partner upon that partner’s death.


Co-director insurance


If one of the shareholders in your company died, what would happen to your company? Both the company and the next of kin may be faced with a number of challenges, such as a new shareholder and loss of control.


Co-director insurance provides the surviving directors with funds to buy back the deceased’s shares and afford certainty of ownership.




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Mercer (Ireland) Limited, trading as Mercer, is regulated by the Central Bank of Ireland.

We’re here to help

We’d be happy to set up a free consultation or send you more information to get you started. Simply fill out the form below and we will be in touch. If you are an existing Mercer plan member and have a question about your pension or shares, please contact the JustAsk team via this link.

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