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Robert Coll, Health Insurance Advisor

Robert Coll is an experienced Health Insurance Advisor. He fully understands the importance of health insurance and is ready to advise both individuals and employers.

Unlike other Insurance products, health insurance can be very complicated, yet one of the most important insurance products available as, quite simply, there is nothing more important than your health.

Robert has a unique knowledge of the Irish market and is, more often than not, able to save you money on your health insurance and increase your policy cover.

Over 70% of health insurance participants do not know what they are covered for under their health insurance policy, with over 75% paying too much for their health insurance, simply because they are unaware of the health insurance market. This is where Robert will help….

Robert will use his experience of the various options to talk you through your policy. He will undertake a full market review of the 100 different plans available, and ensure you have the best value for money for your requirements.

And each year during your policy renewal cycle, Robert will undertake a review of your policy to ensure your policy remains suitable and competitive. Robert has a proven track record with referrals from existing clients for their friends & family because of the trust he has built up with them’.

Campion Insurance are now one of the largest insurance brokers in Ireland with eleven offices in Cashel, Dublin, Kilkenny, Midleton, Mullingar, Naas, Portlaoise, Roscommon, Thurles, Ennis and Urlingford.

We pride ourselves in being able to remain close to our customers at a local level whilst harnessing our national size to get the best deals from the insurance companies for our customers

We are proud to have recently been awarded the Deloitte Best Managed Companies award for the ninth year running

Call Robert today on 01 4033713 or 087 1717330

 

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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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