Financial Protection: Your Safety Net for Life's Uncertainties
Life is unpredictable, but your financial security doesn't have to be. Whether it's illness, injury, a loss of income, or making sure your loved ones are looked after, the right protection plan gives you peace of mind and lasting stability.
At Financial Planning Matters, our team of Certified Financial Planners ® works with individuals, families and business owners here in Dublin to build protection strategies tailored to real lives, so whatever happens, you and the people you love are covered.
How We Help You Stay Protected
What does building a protection plan with us involve?
Tailored protection plans- we find the policies that genuinely fit your circumstances, not off-the-shelf cover. Best Deals from Leading Providers – Access competitive quotes from Ireland’s top insurance companies.
The best value from leading providers- we compare competitive quotes from Ireland's top insurers on your behalf.
Hassle-free application support- we guide you through the entire process, from paperwork to final approval.
Annual policy reviews- life changes, and your cover should keep pace, so we review it with you each year.
Flexible consultations- whether you come solo or with a partner, we will help you take that first step toward securing your income and your future.
Not sure what cover you need? Let's talk it through together.
Income Protection
What happens to your income if you can't work?
Your income is what everything else rests on, so what happens if illness or injury stops you earning? Income Protection provides a regular replacement income when you are unable to work, covering up to 75% of your salary until you are well enough to return.
Why does it matter?
Stay on top of life- keep up with your mortgage, bills and everyday expenses without dipping into savings.
Focus on recovery- financial stability during illness means you can concentrate on getting better.
Claim valuable tax relief- premiums qualify for relief at your marginal rate, making cover more affordable than it first appears.
Thinking about Income Protection? We'll help you find the policy that fits.
Mortgage Protection
What happens to your mortgage if you're no longer there?
For most people, their home is their largest commitment, and Mortgage Protection makes sure it stays in the family. If you pass away, the policy clears the remaining mortgage in full, sparing your loved ones any financial strain at the worst possible time.
Why does it matter?
Security for your family - they can stay in their home without the weight of repayments.
Required by lenders- it's a condition of most mortgage approvals in Ireland.
Tailored beyond the basics- we can structure cover that goes further than the standard lender policy.
Looking to protect your family home? We'll guide you to the right cover.
Life Insurance
How do you give your family lasting financial security?
Life insurance is a financial safety net for the people who depend on you, making sure they are provided for if you are no longer there.
How does it Work?
A lump sum when it's needed- paid directly to your beneficiaries on your passing.
Cover for what matters- helping with mortgage repayments, household bills and future costs.
Built around you- structured as Term Life (cover for a set period) or Whole of Life (lifetime cover), depending on your needs.
With the right policy in place, your family has the support they need. Let's find the solution that suits yours.
Partnership Protection
What happens to your business if a partner passes away?
If a key partner or shareholder died, what would become of their shares? Without a plan, the answer can mean financial and legal complications for both the business and the family left behind. Partnership Protection removes that uncertainty:
Funds ready when needed -the means to buy out a deceased partner's shares.
Business continuity- no ownership disputes, no unwanted external interference.
A fair outcome for the family- the deceased's loved ones receive a proper buyout.
Make sure your business is prepared, talk to us about Partnership Protection.
Pension Term Protection
Is there a more tax-efficient way to get life cover?
If you are self-employed or not in a pensionable job, Pension Term Protection offers affordable life cover with a genuine tax advantage built in.
Why does it matter?
Real security for your loved ones - straightforward life cover that protects the people who matter.
Tax-efficient by design- premiums qualify for relief at your highest rate of tax.
Company-funded options- it can be paid through your business, making it especially attractive for directors and business owners.
Not sure if it's right for you? Let's explore your options together.
Secure Your Future, Let's Build Your Protection Plan Today
A well-structured protection plan gives you and your loved one’s real confidence, the certainty that whatever life brings, you'll be financially covered.
Let's build a safety net that works for you. Get in touch today.
Frequently Asked Questions
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Financial protection is a set of insurance-based strategies that safeguard your income and your loved ones against life's uncertainties -illness, injury, or death. The right combination provides peace of mind and long-term financial stability for individuals, families, and business owners.
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Income Protection provides a regular replacement income if illness or injury prevents you from working, typically covering up to 75% of your salary until you can return. It helps you keep up with your mortgage, bills, and living costs while you recover.
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Yes. Premiums for Income Protection qualify for tax relief at your marginal rate, which makes the cover more affordable than the headline premium suggests. This is one of the reasons it's a valued part of many protection plans.
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Mortgage Protection clears your remaining mortgage in full if you pass away, so your family can stay in their home without financial strain. It's a condition of most mortgage approvals in Ireland and can be tailored beyond the basic lender policy.
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Term Life insurance provides cover for a set period and pays out only if you pass away within that term. Whole of Life insurance covers you for your entire lifetime and is guaranteed to pay out. The right choice depends on your needs and budget.
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Pension Term Protection is affordable life cover aimed at the self-employed or those not in a pensionable job. Premiums qualify for tax relief at your highest rate, and it can be funded through a company, making it especially tax-efficient for directors and business owners.
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Partnership Protection provides the funds to buy out a deceased partner's or shareholder's stake. It ensures business continuity, prevents ownership disputes or external interference, and guarantees the deceased's family receives a fair buyout, removing uncertainty for everyone involved.
Trusted Partnerships
We work with some of the top Insurance and Financial Investment companies in Ireland:
