emero Insurance - Official Member Benefits Partner of Chartered Accountants Ireland 🤝

emero Insurance

Official Member Benefits Partner of Chartered Accountants Ireland 🤝

Members of Chartered Accountants Ireland are eligible for exclusive 15% discounts on all insurance policies.

A little bit more about emero Insurance

At emero Insurance, our advisors have been assisting clients for over 30 years. We’re made up of a team of Qualified Financial Advisors and Certified Financial Planners (CFP).

What do we do?

We help you protect what’s most important to you whether that be your family, businesses, or income.

Why do we do it?

We believe there should be no barriers to good financial advice. We combine a streamlined process with a non-jargon approach.

How will it benefit you?

Speaking with our team will help you assess your options and avoid any potential financial liabilities.

Income Protection

Will pay you a replacement salary if you are unable to work.

Shareholder Protection

Futureproof your company against the passing of a shareholder or director.

Inheritance Planning

Effectively plan for the passing of wealth in a tax-efficient manner.

Life Insurance

Provides peace of mind knowing you loved ones will be protected financially.

Celebrating Our Shortlisting at the 2023 Brokers Ireland Awards 🏆

We are thrilled to share some exciting news that reflects our commitment to personal protection and financial guidance at emero Insurance. We have been shortlisted for the 2023 Brokers Ireland Awards.

Among the vast landscape of insurance brokers in Ireland, emero Insurance has secured a place on the shortlist in the ‘Protection Broker Expert 2023’ category.

This achievement is a testament to our unwavering mission of making financial advice accessible to all. It validates the hard work and dedication that our team puts into ensuring that our clients receive the best protection and financial guidance available.

This recognition is not only about us but also about the trust and support of our valued clients and the strong partnerships we’ve built.

A word from our clients’ at Chartered Accountant Ireland

Mortgage Protection

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

Benefits of Mortgage Protection

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.

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.

Benefits of Life Insurance

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

Shareholder Protection

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

Benefits of Shareholder Protection

Protect against the loss of key employees
Put a plan in place to effectively dissolve shareholding on the passing of a shareholder
Provide a lump sum to deceased partners and/or shareholders’ next of kin
The cost of premiums can be borne by the company

💡Shareholder protection is a specialised area of advice and will be specific to each individual company.

Income Protection Insurance

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.

Benefits of Income Protection

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.

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.

Benefits of Inheritance Tax Planning

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.

💡Opting for a Whole of Life Insurance policy allows you to ensure that your family and loved ones are not burdened by inheritance tax.

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.

Benefits of Specified Serious Illness Cover

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

Our Partners:

emero Insurance in the news

News

Celebrating our Shortlisting for the 2023 Broker Expert Awards

At emero Insurance, we have always been driven by a singular mission: making financial advice accessible to all. It’s a vision that has guided us, and it’s with immense pride that we announce our shortlisting for the 2023 Broker Expert Awards, specifically in the category of ‘Protection Broker Expert 2023.’

News

National Construction Summit 2023

We recently had the opportunity to showcase our services at the National Construction Summit at the Sport Ireland Campus.

With over 2,000 attendees it was a really enjoyable day all round.

News

Look after your pay even during times of desolation

For most of us, our income is our most important asset. It sets the foundation and enables us to pay for our mortgage, rent, childcare, and even other insurance policies.

Our survey highlighted that 95% of respondents would be unable to survive on the State Illness Benefit until retirement age.