What is the main difference between income and salary protection insurance?

Salary protection insurance often provides coverage only for your basic salary, whereas income protection may cover additional bonuses and benefits.

What factors affect the cost of my income protection policy?

Factors such as age, health, occupation, and the level of coverage chosen can affect the cost of income protection Ireland insurance.

Can I customize my income protection insurance?

Yes, you can offer flexible options in terms of coverage amount, waiting periods, and payout options, at Clever Money, making it easier for you to tailor the insurance to your needs.

Business Plan

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We have written plans in the last 15 years that resulted in more than €100m being raised from banks and other lending institutions.

You are good at your job. You have been successful to this stage, but you are now in a sticky place. The latest contract you have pitched for looks like it is going to come your way, but you do not have enough working capital and you have asked the bank for an overdraft. Now the bank has asked for your business plan.

We all know it is wise to plan. We have heard the “fail to plan – plan to fail” adage. It can be tricky taking time out of the hectic week to stand back and make an objective assessment of your business. Can you identify:

What does my business do that makes it successful?
What could by business do to make it more successful?
What are my business and personal strengths?
What are my business and personal weaknesses?
Should I be worried about my competition?
Is there new legislation coming my way that I need to prepare for?
Have I performed a Risk Assessment? Are there threats within my business?
Do I know my margins?
Do I know my fixed overhead?
Do I know the profitability of each on my lines/services?
Is there a reason I am running an unprofitable line/service?
What do my suppliers and customers think about me and my business?

We have experienced Business Planners in Clevermoney, some with experience of working in Banks and some in Accountancy, so they know what you need to show in your Business Plan. We have written plans in the last 15 years that resulted in more than €100m being raised from banks and other lending institutions.

We are good at what we do. You are good at what you do. We expect you to surround yourself with people as capable in their professions as you are in yours.

Business Plan

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