Inheritance Tax/Capital Acquisitions Tax

This Tax is payable on assets paid from one to another (except those assets left to the surviving spouse).

Commonly known as “Death Tax”, it is due at Inheritance.

Generally applies to children inheriting Parents’ estate.

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Now a major issue as a result of the number of cohabiting couples in Ireland

  • Property Prices are increasing
  • Tax free threshold for non-married couple is only €16,250
  • Threshold for children is €310,000
  • Inheritance Tax is now 33% (20% in 2008)
E.G. Unmarried couple save for a home together and purchase and repay mortgage together. The home is valued at €300,000 and is covered by Mortgage Protection plan, paid for by both. One dies and other is deemed to inherit 50% of value of home, €150,000. €16,250 is inherited free of tax and surplus is taxed at 33% so tax due is €44,137.50.
E.G. Married couple have 2 children. Their home is valued at €900,000, they have cash €100,000. There is no tax due on spouse inheritance, but on 2nd death the children would inherit a value of €500,000 each. Tax due is €62,700 each. There is only €100,000 cash available. Solution is to commence a policy which is written in trust to pay tax when due.

If you are in this position, review your assets with us and we can calculate the potential Tax. There is a solution, a policy may be taken out, which will cover the calculated tax amount.

Even if you have a current policy, for this purpose, it is important to ensure it is up to date with Tax Laws.

Inheritance Tax or CAT

Joint Life, 2nd Death basis

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Both Lives, non smokers

Our Life & Pensions Team

Dave Dillane

Dave Dillane

Managing Director Call: 01 802 2304 Email:

As the Managing Director, my role is to ensure that the company can fulfil its goals. This is achieved by ensuring that every section of the company has adequate resources, training and focus. I am here to assist our teams in every way possible. I am also responsible for the company’s adherence to all the regulation and rules within which we must operate. I am also very focused on customers, making sure their needs are fully met by our service levels.I make sure that I get involved in any claim where there are any difficulties to smooth the path to a successful outcome.

I also actively take part in looking after Commercial customers, farm business and our apartment block facility.

Áine Derham

Áine Derham

Life and Pensions account manager Call: 086 245 3407 Email:

Hello I have been working in in the insurance industry for over 30 years

As a qualified financial advisor I can advise you on all types of Protection Products such as Life Cover, Income Protection, Inheritance Tax,
Mortgage Protection, Co- Directors Insurance & Keyman Cover.

I can also assist in reviewing your Pensions be they, Personal, Company or Paid Up Pension in doing so we can work together to
ensure they meet your retirement expectations .

Please feel free to contact me and I can provide you, your family and your business security through a complete financial review.

Shauna Forrester

Shauna Forrester

Life and Pensions Call: 01 8022335 Email:

Hi my name is Shauna Forrester and I am part of the Life & Pensions Team. I have worked as a Life & Pensions Administrator for 4 years.

My role as Administrator is dealing with new clients at the proposal stage of their protection & pension plans, helping existing clients with any queries in regards to their plans.

Liaising with life companies & underwriters on behalf of the client on a daily basis along with general admin duties. 


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