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Covid19 Level 3 restrictions

We at Campion Insurance are continuing to follow the advice and guidance from both the Government & Health Officials in relation to Covid19, we are committed to protecting both our employees and our customers, whilst continuing to provide the best service we possibly can.

Due to Level 3 Covid19 restrictions, and to protect the health and safety of our customers and employees, there will be limited public access to our Branches with effect from Tuesday 1^st December. We continue to operate normal business hours, Monday to Friday, 9am to 5pm. Contact us by phone or email and we are ready to help you in any way we can.

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If we can help you in any other way please contact us:

For Personal or Commercial Insurance call 1890 300 301

For Financial Services call 1890 300 303

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Important Assumptions

For the purpose of determining the term over which pension contributions are made, we have assumed your birthday was exactly six months ago.

If your target retirement age is lower than the age at which the Social Welfare pension commences (age 68 if you are born on/after 01/01/1961, age 67 if born before this date but on/after 01/01/1955 and age 66 if born before 01/01/1955) the calculations allow for funding for this gap, in addition to the cost of the annuity.

You are entitled to a full Social Welfare pension of €248.30 per week as at March 2019 which is assumed to increase by 2.5% per year.

You are saving for the difference between the Social Welfare pension and your target monthly income in retirement.

We have allowed for inflation of your target monthly income of 2.5% per annum between now and your retirement date.

Any other private pension provision you may have in place has not been taken into account.

Your monthly pension contribution increases by 2.5% each year up until your retirement age and is invested in a pension plan with an annual management charge of 1% and a 5% charge on each contribution, in line with the Standard PRSA fees and charges maximum limit.

A Gross Investment Return of 4.2% per annum on your savings. This is not a forecast because the value of your investment may grow at a faster or slower rate than assumed and the value of your investment may be expected to fall from time to time as well as rise.

On retirement you purchase an annuity which escalates at 1.5% each year, has a 5-year guarantee and is payable monthly in advance. The annuity rate assumes a post retirement interest rate of 2% per annum and no spouse’s pension. The actual annuity rate will depend on the selection of dependant’s pension, guaranteed period and the escalation rate, as well as interest rates prevailing when the annuity is purchased.

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