We offer a financial services option through our brokerage which trades under the name of Gainsboro Financial Services Ltd.
Our brokerage is regulated by the Central Bank of Ireland and holds agency appointments with many of the major life companies.
Our services include
Life Assurance/Mortgage Protection:
As a multi-agency brokerage we can obtain quotations from all of the life companies that we hold agencies for to ensure that we give our clients the best possible value in this very important area. Our experience is that clients tend to take the first policy that is offered to them in order to draw down a loan or put some cover in place. By having a multi-agency Broker such as ourselves obtain a number of quotations for cover you could make very significant savings over the life of the policy.
Serious Illness Cover:
We believe that this cover is especially important. A typical serious illness policy will pay out a defined sum on the confirmed diagnosis of a number of specified serious illnesses. We have had a number of clients who have been paid benefits under this type of policy and the general feedback from them is that their recovery from illness was greatly helped by the fact that their policy pay out meant that much of the financial pressure was removed.
Income Protection cover will provide clients with a replacement income if they are unable to work as a result of an illness or injury in the medium to long term. This cover is suitable for self-employed and full-time P.A.Y.E. Employees or Company Directors and the cover commences after a defined deferred period (usually 8 or 12 weeks). The maximum benefits payable under this type of policy is 75% of annual earnings. This amount could be further reduced if the claimant is in receipt of State benefits or another income protection policy.
With Bank deposit rates at historically low levels many clients are now looking for alternatives for their lump-sum investments. As a multi-agency Broker we can offer advice in relation to a number of alternatives to bank deposits.
There are very few opportunities where it is still possible to have Revenue pay 40% of something for you! If you are a top rate taxpayer it is possible to obtain top rate (40%) tax relief on payments into a personal pension plan. With all of the uncertainty surrounding the qualifying pension age it makes more sense than ever to look at setting up a personal pension.
Company pension schemes afford company directors an opportunity to extract some company profits by means of pension payments which they will be able to personally access when it comes to drawing down their benefits. It also affords companies an opportunity to put a scheme in place for their employees.
Gainsboro Financial Services Ltd trading as Mc Keigue Kelly & Co. is registered in Ireland. Company Reg. No: 507559. Cental Bank No: C92674. Income Tax No:9812409Q Directors: J.A. Mc Keigue, F.P. Curley.