Exclusive 15% Discount for all Chartered Accountants Ireland Members – emero Insurance.

emero Insurance are a leader in personal protection insurance. They have recently been featured in both The Sunday Times and Business Plus.

At emero Insurance, we have been providing advice on personal and business protection for over 30 years.

All our team are fully Qualified Financial Advisors (QFA). We also provide access to Certified Financial Planners (CFP) who have a wealth of industry experience and knowledge.

We provide jargon-free advice, suited to each individual's needs and circumstances.

Our partnerships with Ireland’s leading insurance companies means we can compare the entire market meaning you get the most suitable cover at the best price.

As an accountant, you likely spend a large amount of your time assisting clients with their finances. However, sometimes it can be easy to neglect our own and let things fall through the cracks.

At emero, we offer concise advice and a streamlined process. This allows you to understand potential financial liabilities and to put an effective plan in place.

An overview of our services are provided below. If you have any questions or would like to discuss your options, you are welcome to contact our team.

For more information or to get a bespoke quote, please click here.

Income Protection

Most of us depend on our earned income to pay for our mortgage, rent, childcare or basic living expenses. In many cases, our income is our most important asset.

Without it, everything else may become a struggle.

Income Protection will pay you a replacement salary should you be unable to work due to any illness, injury or disability.

Even in the event that you are unable to work, a significant percentage of your salary will still be paid.

• Tax relief on premiums at your marginal rate (20% or 40%)
• Covers all illness and injuries
• Monthly benefit payable
• Long-term cover available

If you are self-employed, premiums can be paid by the company and treated as a business expense.

Click HERE for more information.

Shareholder Protection

None of us enjoy thinking about death but succession planning should be a key part of any business.

The passing of a director or shareholder can have a financial as well as emotional effect on a business.

Company loans may be called in. Spouses may request to take control of shareholding or ask to be bought out for a capital sum. Often such amounts of capital are not readily available.

Shareholder Protection allows you to minimise the risk to your business by putting a Life Insurance policy in place.

• Protect against the loss of key employees
• Insure company loans
• Put a plan in place to effectively dissolve shareholding on the passing of a shareholder
• Put a structure in place to provide lump sums to deceased partners and/or shareholders next of kin
• Cost of premiums can be borne by the company

Please note, shareholder protection is a specialised area of advice and will be specific to each individual company.

It is important to have an understanding and effective structure in place to protect the longevity and long-term viability of your company.

Click HERE for more information.

Inheritance Tax Planning

We offer Inheritance Tax Planning advice to those looking to reduce a Capital Acquisitions Liability (CAT) on wealth or assets being inherited.

• Effectively plan for the inheritance of wealth and/or assets
• Premiums are guaranteed to remain the same throughout the policy
• An agreed fixed inheritance
• A tax-efficient way of passing wealth

We understand that paving the way for the next generation is something that is important to many of us. Opting for a Whole of Life Insurance policy allows you to ensure that your family and loved ones are not burdened by inheritance tax.

We provide free access to an Inheritance Tax Calculator here.

Click HERE for more information.

Life Insurance

A Life Insurance policy will pay out a lump sum to your loved ones should you die during the term of the policy.

It will provide peace of mind that your loved ones are protected and financially secure should the worst happen.

• Lump sum may replace years of lost salary
• Provides peace of mind and financial security
• May allow your family to continue current lifestyle
• Premiums are fixed throughout the agreed term

Life Insurance should be considered by anyone with a young family or those who have financial dependents. We provide free access to a Life Insurance Calculator here.

Click HERE for more information.

Mortgage Protection

Mortgage Protection is compulsory for anyone purchasing a residential property in Ireland.

Should you die during the term of your policy, the Mortgage Protection policy will clear the balance of your mortgage.

Using a broker such as emero for Mortgage Protection is vital. It will allow you access to several benefits.

• Access to the entire market
• Ensure you get the best cover and the lowest price
• Access to dual life policies at no additional cost
• Cost-effective and suitable cover

Please note, you do not have to purchase your Mortgage Protection policy through a bank.

Compare the entire market to find the cover most suitable to your specific needs and circumstances.

Click HERE for more information.

Specified Serious Illness Cover

Specified Serious Illness Cover will pay out a tax-free lump sum should you be diagnosed with an illness outlined in your policy.

• Payment of tax-free lump sum on diagnosis of illness outlined in policy
• Cover can be used to pay for treatment or any outstanding loans or debts
• Cover can be standalone or added to a Life Insurance policy
• May be suitable for those ineligible for Income Protection

Click HERE for more information.

Have a query?

If you have a query, please refer to our Support & Services page and contact the relevant department with your query.