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Testimonials:
I was paying large sums of money for my previous insurance premiums. I had no idea that it would be a worth getting these reviewed until I spoke to Barry Walsh. I'm glad I did! Not only did I save lots of money on insurance premiums but Barry helped me liaise with my previous insurers to effect a smooth transition to my new arrangements so there was minimal effort from my side. I would happily recommend Barry Walsh Financial Services to anyone wishing to review their fiancial siuation or acquire financial products and services. Thank you, Barry.

Sanjay Hirekodi
Dental Surgeon,
Absolute Dental Care

Web: www.absolutedental.ie
Reducing costs is the name of the game now. I got Barry to look at my policies and he got me better cover for less money. He also made a donation to Down Syndrome Ireland on my behalf just because I became a customer. Professional, courteous, helpful all come to mind.

Tony Elliott,
Shopkeeper,
Tony & Annís, Griffith Place Waterford.

I had a number of policies that cost me a lot of money but it turns out my cover was not adequate. Barry looked at my policies, pointed out in simple English what adjustments I should make and saved me over Ä600 per year. I also got the first two months premia free as Zurich Life had an offer on saving me over Ä300 straight off. Nearly Ä900 now available this year for a holiday. I would strongly recommend Barry Walsh Financial.

John Signorelli
Carpet / Floor Contractor,
Williamstown, Waterford.

Barry saved me money on my Life & Income Protection costs. As a broker he has ten different agencies and I understand he got them all to compete for my business. Bottom line is I got my cover for less. Very easy to do business with him, he took care of it all very professionally. Good experience!

Barry Buckley
Dental Surgeon,
Dental Options, Clane, Co Kildare.

Web: www.dentaloptions.ie
I was very upset over the losses that I had suffered with my pension. Barry came in and looked at the situation and gave me a fund that is 100% guaranteed and gives me a guaranteed return of 4.75% per annum. I donít worry anymore .I have recommended Barry Walsh Financial to my employees.

Maurice Hennessy
Managing Director,
Maurice Hennessy Contract Cleaners specialists in Industrial Cleaning.

Link: www.mhlcleaning.com
I know Barry for a good number of years and I find him very professional & helpful. He gives a very personal service. He has huge contacts in the Financial Services Industry and he used those contacts to get me an excellent deal on my pension fund.

Donal Daly
Managing Director,
The Sweep Garage Kilmeaden, Main Fiat Dealer for Waterford County.

Barry has only recently taken over the role of advising me on my pension. No jargon just simple sound advice is what Barry has given me. Barry Walsh Financial is a definite recommend for me.

Lydia Phelan
Principal,
Lydia Phelan Associates, Williamstown Road, Waterford.

Barry has been looking after my Life cover and savings since the mid-nineties when he was working in AIB Bank. Since he set up his own brokerage the choice & calibre of the products that he has available has certainly increased a lot. Solid & trustworthy I would have no hesitation in recommending him.

Liz Dowling
Solicitor,
MM Halley & Co Solrs, Slievekeale Road, Waterford.

Web: www.mmhalley.com
I have dealt with Barry for the last three years having met him first in National Irish Bank in his role as a Wealth Manager. I followed him when he set up his own firm because he always makes the time to deal with my needs personally. I have benefited hugely from my association with Barry as he always gets me the best deal available.

Michael O Neill
Director,
Gurtins Construction Ltd & Part-Time Farmer, Gurtins, Duncormick, Co Wexford.

Barry was recommended to me by a friend when I sought out someone reliable and trustworthy to give me advice on my pension planning. I like the fact that he is not tied to one company so the choice of products is wide. Professional, honest, straight- talking are the words I would use to describe him. A breath of fresh air in an industry where the right advisor is essential.

Cian Foley
Principal,
UTD Web Design, Shangan, Butlerstown, Waterford.

Link: www.waterfordwebdesign.ie
I know Barry for many years and I have found him to be top class at his job. He has always given me sound advice. I recently took my retirement benefits as I reached 65 years of age. Barry guided me through the various choices explaining to me in a simple fashion the benefits of each option. A complex decision was made so easy with his help and it gave me great peace of mind. Highly recommended.

Richard Power
Accounts Manager,
Clintons of Clonmel Ladies & Mensware, 25/27 Parnell Street, Clonmel.


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Income Protection

Income protection provides you with a replacement income if you cannot work as a result of an illness or injury after a certain period of time. You can take out income protection if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed.

Cost

Cost depends on your Age, Income, health, occupation and the benefits you choose. Payments on your plan are eligible for tax relief at your marginal rate of tax.

Benefits

It pays you a regular monthly income, replacing some of your earned income. Cover continues until the plan ends or you return to work.

Cover is limited to:

  • The maximum benefit payable is now €250,000, previously this was €150,000. Benefits paid are less any State benefits or other income protection plans.
  • The maximum benefits payable is 75% of total yearly earnings, less any State benefits or other income protection plans.

What would happen to my income if I became ill?

Your medical bills may be covered by your health insurer or by the HSE, but how will you pay your other bills while you’re being treated or recovering from injury? Income Protection can give you a regular income until you get back on your feet.

Paying the bills

Our research shows that a 30-year-old person is more likely to be off work due to illness or injury for a long period than to die before they reach the age of 65. If you had to give up work due to illness or injury, you would still have to pay your regular bills, such as mortgage and loan repayments and household expenses.

Unexpected costs?

However, you would also likely have the additional financial burden of extra medical costs, so your total amount of bills could increase. With this in mind, could you maintain your current standard of living while you were out of work? If the answer is no, you need income protection

What is income protection?

Income protection provides you with a regular income, which is paid out if you cannot work due to an illness or injury. It is meant to replace some of your earned income if you can no longer earn an income yourself - making sure that you can still enjoy a comfortable standard of living.

You can take out income protection if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed.

This plan does not provide any protection against unemployment.

Why should I buy Income Protection?

Statistics show that a 30-year-old person is more likely to be off work due to illness or injury for a long period than to die before they reach the age of 65. If you had to give up work due to illness or injury, you would still have to pay your regular bills, such as mortgage and loan repayments and household expenses.

However, you would also have the additional financial burden of extra medical costs, so your total amount of bills could increase. With this in mind, could you maintain your current standard of living while you were out of work? If the answer is no, you need income protection.