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GAZETTF
OCTOBER 1992
Cr i t i cal I l lness Cover
Most people take good health for
granted. Serious illness is probably
one of the last things we want to
think about. However, critical
illnesses like cancer and heart disease
occur all too frequently. In fact the
chances of suffering a serious illness
like cancer or a heart attack before
age 65 have been estimated to be
five times greater than the risk of
dying.
Today's advanced medical care
means that more and more people
are surviving critical illnesses. Over
half of heart attack patients will be
alive a year later and over one third
of people diagnosed with a life
threatening cancer will still be alive
after five years.
In the short term the cost of medical
treatment, loss of earnings, or the
need for extra help in the home may
be the main problems. In the longer
term a complete change of lifestyle
may be required leading to a
permanent reduction in income. The
mortgage will still need to be paid
along with all the usual household
bills. On top of this there may be
substantial extra costs. Ongoing
medical care may be needed either at
home or in the hospital; or the home
may need to be adapted if disability
or paralysis result from a stroke or a
disease like multiple sclerosis.
One of the new products on the
assurance market has been designed
specifically to cope with this
situation. Critical illness cover
provides for the payment of a lump
sum once you survive 30 days after
diagnosis of any one of the
following most common critical
illnesses:
•
Cancer
•
Heart attack
•
Stroke
•
Multiple Sclerosis
•
Heart by-pass surgery
•
Kidney failure
•
Organ transplant
•
Paralysis
•
Permanent and total
disability
The cover can be arranged with or
without life assurance and its cost is
quite reasonable. For example
£50,000 cover to age 65 would cost
£30.60 per month for a male aged 40
and £29.07 per month for a female
aged 40.
We strongly recommend that you
consider effecting a certain amount
of critical illness cover as an
addition to any life cover that you
may already have and also that you
discuss this matter with your clients
whenever the opportunity arises.
For further information or
quotations phone
Tom Kennedy
of
Solicitors Financial Services at (01)
781599 or write to 18/19 Harcourt
Street, Dublin 2.
•
Couple Clock up
100 Years Service
Capt. Thomas C. Nash
M. INST. PET.
Marine Consultancy;
Independent Marine Surveyors;
Marine Expert Witness;
Ship to Ship Transfer;
Vessel & Terminal Safety Inspection;
Recruitment; Procedures Manuals.
Cooleen House, Rushbrooke,
Cobh, Co. Cork.
Tel: 021-811677 Fax: 021-813009
Expanding Dublin City Centre Solicitors with
funds available wish to acquire Solicitors
practice, or part of. Solicitors considering
retiring / career change / career break or
specialisation. Dublin City, County or
Leinster considered.
Appropriate arrangements can be made
with regard to consultancy, premises and
associated matters.
Please reply in confidence:-
Conroy O'Neill & Co.,
Chartered Accountants,
45 Upper Mount Street,
Dublin 8.
Ref. Nlall O'Neill
Enda and Tess
Emerson
Congratulations to Enda and Tess
Emerson who between them have
given 100 years service to the firm,
Emerson & Conway, St. Francis St.,
Galway, Enda having served 57 years
and Tess 43 years. Enda has always
concentrated on the conveyancing
and Land Registry side of the firm
preferring to work "back stage"
while Tess helps run " f r ont of
house''.
Both are founder members of the
Patrician Musical Society, Galway,
Tess being President in this, its 40th
year.
In Enda's younger days he played
rugby for Galway Corinthians and
UCG. He also rowed in the famous
Corrib Crew which brought the
Leander Cup to Galway and West of
the Shannon for the first time in
1936.
Both Enda and Tess work full time
in the office and hope to continue to
do so as long as both feel able.
•
SURVEILLANCE
Discreet Listening and
Recording Equipment
Telephone For 1992 Catalogue
Pegasus (01)2843819
311