Did you know that making a pension contribution before the tax deadline could reduce your Income Tax bill while increasing the amount you're saving for retirement?

Pension contributions are one of the most tax-efficient ways to invest for your future. By taking advantage of the tax relief available, more of your money goes towards building your retirement fund.

Tax relief is available based on your age:

✔️ Under 30 – 15% of earnings
✔️ Age 30–39 – 20%
✔️ Age 40–49 – 25%
✔️ Age 50–54 – 30%
✔️ Age 55–59 – 35%
✔️ Age 60 and over – 40%

These limits apply to earnings of up to €115,000 per annum.

⏰ To claim tax relief for the 2025 tax year:

• 31 October 2026 – Standard filing deadline.
• 18 November 2026 – Extended deadline for those filing and paying online through Revenue (subject to Revenue's ROS extension).

By making a qualifying pension contribution before the relevant deadline, you could:

✅ Reduce your Income Tax liability.
✅ Increase your retirement savings.
✅ Benefit from tax-efficient long-term investment growth.
✅ Make your money work harder for your future.

A pension isn't just about retirement it's one of the most effective ways of building long-term wealth while benefiting from generous tax relief today.

The sooner you contribute, the sooner your money can begin working towards your future. Invest in your future. Benefit today. Build for tomorrow.
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Tax relief is subject to Revenue rules and individual circumstances. Revenue limits and deadlines apply.

Serious Illness Cover: More Than Just Protection – Financial Support When You Need It Most
When people think about serious illness cover, they often associate it with major illnesses such as cancer or a heart attack. While these conditions are among those covered, many people are surprised to learn just how comprehensive modern serious illness protection can be.

Serious illness cover is designed to provide a tax-free lump sum payment if you're diagnosed with a specified illness covered by your policy. This financial support can help ease the burden at a time when your focus should be on your health and recovery.

Cover for Major Illnesses
Many serious illness policies provide a full payment upon diagnosis of a range of serious conditions, including:

• Heart Attack
• Cancer
• Multiple Sclerosis (MS)
• Kidney Failure
• Liver Failure
• Chronic Rheumatoid Arthritis
• Major Head Injury
• Stroke
• Parkinson's Disease
• Motor Neurone Disease
• Coronary Artery Bypass Surgery

And many more specified conditions depending on the policy provider.
A full payment can provide vital financial support when life is suddenly turned upside down. The benefit can be used in whatever way suits your circumstances, whether that's:

• Replacing lost income
• Covering household bills
• Paying off debts
• Funding home adaptations
• Accessing additional treatments or therapies
• Allowing a family member to take time off work to provide support

Most importantly, it gives you the freedom to focus on recovery without the added pressure of financial worries.
Partial Payment Benefits – An Often Overlooked Feature
One of the most valuable features of many serious illness policies is the inclusion of partial payment benefits.
These benefits provide an earlier level of financial support for a range of specified conditions that may not meet the criteria for a full claim but can still have a significant impact on your life.
Typically, a partial payment can provide:
€15,000 or 50% of your cover amount (whichever is lower)Importantly, receiving a partial payment does not reduce your full serious illness cover amount.
This means you can receive financial support for a qualifying partial payment condition while still retaining your full serious illness benefit for the future.
Conditions That May Qualify for a Partial Payment
Examples can include:

• Type 1 Diabetes
• Cancer in Situ
• Serious Accident Cover
• Certain Mental Health Conditions
• Loss of Independent Existence (early stages)
• Severe Burns
• Loss of Hearing
• Loss of Speech
• Loss of Sight in One Eye

And other specified conditions depending on the insurer and policy terms.
For many people, these conditions can still result in time away from work, additional expenses, treatment costs, and disruption to everyday life.
The partial payment benefit provides valuable financial support exactly when it is needed.
Why Serious Illness Cover Matters
A serious illness doesn't just affect your health.
It can affect:

• Your income
• Your family finances
• Your mortgage repayments
• Your savings
• Your future plans

Having serious illness cover in place means you have a financial safety net should the unexpected happen.
It's not just about the most severe diagnoses. It's about knowing that support is available across a wide range of conditions, from major illnesses that trigger a full payment to earlier-stage or less severe conditions that may qualify for a partial payment.
Peace of Mind for the Future
​None of us can predict what lies ahead.
Serious illness cover provides reassurance that if life takes an unexpected turn, you'll have financial support available when you need it most.
Whether it's a full payment following a major diagnosis or a partial payment for an earlier-stage condition, the aim is the same:
To give you one less thing to worry about while you focus on what matters most – your health, your recovery, and your family.