Beat The Bank

16/10/2026

When was the last time you actually looked at your mortgage protection? 🔍

A few things are worth using as a trigger to check: a new or bigger mortgage, being smoke-free for 12 months or more, or simply wanting better features than what you currently have.

As a general rule, once a year is a good habit and any time one of these happens, don't wait for that annual check-in.

One thing before you switch: never cancel your existing policy until the new one is fully approved and in place.

Curious whether your own cover still stacks up? Get your quote today. Link in bio 🔗

12/10/2026

Your life insurance might already be doing more than you think. 💜

Most policies come with built-in extras you don't pay more for - like one month of free cover, an early payout if you are diagnosed with a terminal illness and the ability to increase your cover at big life moments (a new baby, a bigger mortgage, getting married) without any medical checks and cover for your children.

These aren't add-ons you have to ask for – they are often already part of the policy, quietly working to support your whole family, not just you.

Want to see exactly what comes with your own cover? Get your quote today. Link in bio 🔗

05/10/2026

If you were ever unable to work, what would income protection actually pay you and for how long? 💭

Most policies pay a percentage of your income, usually up to 75%, kicking in once your deferred period ends. From there, how long payments continue depends on your policy's benefit term - Payments continue until you are well enough to return to work or until you reach your chosen retirement age - whichever comes first.

Want to know exactly what your own cover would look like? Get your quote today. Link in bio 🔗

02/10/2026

Term or whole of life - which one do you actually need? 🤔

Term life insurance covers you for a fixed number of years, typically 10 to 40 years and if you die during this time, your family gets the lump sum amount. The cover ends, once the term that you choose ends.

Unlike term life insurance, whole of life cover does not have an end date. It stays in place for your entire life until you die and guarantees a payout, as long as you keep paying your premiums. That guarantee is the whole point. And it is also why it costs significantly more than term cover.

Neither one is "better" on its own - it depends on what you are trying to protect and for how long. Read our blogs on term and whole life insurance to know more.

21/09/2026

How much life insurance do I need?"
There's no single right number - but there's an easy way to work it out. 🧮
Add up what your family would need if you were no longer around to provide for them: bills, debts, childcare, school costs. Then take away what they would already have - savings, any cover you hold or a payout from your job. What's left is roughly your number.
One thing people forget: the best amount of cover is the amount you can actually keep paying. A smaller policy you can keep up is better than a bigger one you have to cancel.
Ready to see what fits your budget? Get your quote today. Link in bio 🔗

18/09/2026

Did you know your income protection premium could cost less than the number on your quote? 🧾
Premiums qualify for tax relief at your tax rate - 20% or 40%, depending on your income. The higher your rate, the more you get back, so your real, after-relief cost is often lower than the quoted premium.
It's not automatic though - relief comes through your payslips or as a refund, often via Revenue myAccount or your annual tax return.
Either way, you need to set it up yourself.
Want to know more? Read our blog on Income protection at beatthebank.ie.

11/09/2026

Single, joint, or dual - which life cover actually suits you? 💛

• Single cover protects one person under one policy - straightforward if you're covering just yourself.
• Joint cover covers two people under one policy but only pays out once, on the first death.
• Dual cover means one policy with the potential for two separate payouts - one for each person.

There's no one-size-fits-all here – we will help you figure out what actually fits your situation. Get your quote today. Link in bio 🔗

07/09/2026

We understand that buying a home comes with a lot to juggle, we will help you make sure that mortgage protection isn't the thing that catches you out. 🏡
Mortgage protection is a not an option – it is a mandatory requirement in Ireland, and your lender won't approve your mortgage without it. Since it has to be done anyway, it's better ticked off early than dragged along till the last minute. To add to that: some applications need extra medical information before they're approved, so leaving it late risks your protection being the reason your closing date slips.
Here's the part most people don't know you don't have to wait until your mortgage is approved to get started. You can put your application in place with an insurer now and choose a start date that lines up with your drawdown - so it's ready to go live exactly when you need it and you still have time to compare your options properly instead of taking the first quote because the clock's running out.
Get your quote today. Link in bio 🔗

04/09/2026

Let's talk about something most people never think to insure - their income. 💶
You insure your car. You insure your home. But if you got sick or hurt tomorrow and couldn't work, would your income be protected too?
That's exactly what Income Protection does. If illness or injury keeps you out of work, it pays you a regular income after an agreed waiting period - so your bills, rent, or mortgage don't fall behind while you focus on getting better.
It's not something your bank or employer sets up for you automatically. It's something you have to choose to put in place and most people just haven't gotten around to it yet.
If you're working and living off a pay check, it's just a matter of few seconds to see what it would cost you. Get your quote today. Link in bio 🔗

17/09/2025

Proud Sponsor 🦾🎯🙌🏻

Raffle Tickets Sales finish online Thursday 18th at Midnight, Sales continue in Golf Club Friday & The Glenside on Friday night..

Thanks to event Sponsors Captiva Software , Vendit, Gannon Homes AIG Keelings Fruits , Lendwell O'Neills Sportswear Heineken , Sharp Fire & Security, Wrights Of Marino Silverskin Coffee Roasters ERGO Beat The Bank Henderson Food Service , Gavin Glynn , John Craddock Limited Barnhill Stores ,CPL, 1Medical Ireland , Crosbie Engineering, Financial Planning Matters Irish Fairways - Exceptional Golf Tours Jones Engineering , Brew Crew Kegs Shamrock Rovers F.C. McBreen Environmental , Dunnes Security, Bill Doyle, Heritage Credit Union,
UValue ,Nevo Ireland , Ardcairn ,Sonax Ireland,
Training121 , Chawke Group
It is very much appreciated( If any of those Sponsors have an Facebook @ and not here let us know by PM)