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And inflation also eats away at the sum assured !!! indexation can be 3% per annum on benefits and premiums with some providers which based on current inflation rates makes sense and also can be removed at anytime throughout the policy, 8% and 5% isn't a good option. If you are single with no...

Hi dillons The answer is A

YoYo you won't be able to cash in your PRSA until age 60 (possibility of doing so at 50) if you are an employee and retire or get made redundant. Allowing for €200 per month for tax, insurance and maintenance you are still within your income. As tough as you are finding it you are a lot...

Agree with Sunny and I wouldn't be a fan of McWilliams either. This is far from over and our debt is still totally unsustainable. Our economy and banking system is bust and in receipt of palliative care prolonging the life of the patient.

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wouldn't worry to much about it Dub Nerd, there is bound to be a tax on breathing or existing sooner rather than later

If you have been making any payments at all it's unlikely they will do a deal with you. There is loads of information on this if you do a Google search. As far as I can make out if you don't pay for 6 or 7 months they are more willing to do a deal with you for half the outstanding balance as...

lot's of differing ways to invest in property using your pension fund depending on which way it is set up. You have mentioned a few points that I would worry about Flat in Paris Interest Rates are Low Newsletter from Foreign Property Management Company Do yourself a favour and sit down with...

back in 07 you would have had to deal with a human. will be a lodgement machine now, they don't ask questions :)

You can always encash it now, pay a small amount of tax on the gains as you are only marginally ahead of what you put in and reinvest in State Savings which are not liable for DIRT. Upsides are a guaranteed return via a low risk investment strategy with no tax liability. Downside, whilst...

Raglan, all the providers offer what you're looking for, sit down with a local broker who can talk you through your options

Dave Vanian going ever so slightly off topic can I have your autograph please, I'm a huge fan of The Damned :)

Mr Boucher has to get paid someway !!!!!!!!!!

another 8 years, or until you make a partial or full withdrawal, remember tax is only on gains, if it loses value after you have been charged tax that's unfortunately tough

Fobs. If you still wish to obtain cover call into your local broker and ask him to obtain a price from Pulse Insurance as stated above by LD Ferguson.

Firstly I would assume that the difference between the policy value and closing unit value may be that a penalty would be applied if you move your fund within the first 5 years. Did ytou invest in a deposit account? If so the couple of thousand you are down may be because a set amount has been...

Death in Service benefit is linked to occupational pension schemes and therefore cannot be assigned against borrowings

I bow to Mandelbrot and Joe 90, it's to late to be crunching numbers :)

Thanks Time. as always very informative, so really much cleaner for those left behind to have the mortgage protection in place assuming you care !!

Thanks time, that was my understanding, so in Op's case where he states if he leaves all to his brother (next of kin) what would happen?