Protection Planning
Comprehensive protection planning and insurance advice to safeguard your family's financial security and peace of mind.
Comprehensive, caring, and cost-effective
We assess your unique circumstances to recommend the right level of protection at the right price. Our approach ensures your family's financial security without overinsuring or underprotecting.
Tailored protection
Every protection plan is designed around your specific family situation and financial commitments.
Clear explanations
We explain policy terms in plain English so you understand exactly what you're covered for.
Family first
Our priority is ensuring your loved ones are financially secure if the unexpected happens.
Transparent pricing
Clear policy costs and fees so you always know what you are paying and why.
Regulated, independent and client‑first
Authorised and supervised by the Central Bank of Ireland. Transparent recommendations focused on the right cover at the right price.
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Families advised
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Central Bank regulated
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Years experience
min
Free consultation
Our protection services
Comprehensive insurance solutions to protect your family's financial wellbeing.
Life assurance
Term and whole of life insurance to provide financial security for your family if you pass away.
Income protection
Replace your income if you're unable to work due to illness or injury, maintaining your family's lifestyle.
Critical illness cover
Lump sum payment if you're diagnosed with a serious illness, helping with treatment and recovery costs.
Family income benefit
Regular income payments to your family, providing ongoing financial support when they need it most.
Why choose us
Protection expertise you can trust
Our experience, personal approach, and comprehensive market knowledge ensure you get the right protection at the best price.
Expert knowledge
Extensive experience in protection planning with access to the whole insurance market.
Personal service
We take time to understand your family's needs and explain your options clearly.
Ongoing support
Regular reviews to ensure your protection remains suitable as your circumstances change.
Claims support
We're here to help you through the claims process when you need it most.
Trusted advice
High client satisfaction with protection recommendations that provide real peace of mind.
Competitive rates
Access to competitive premiums across the market with transparent fee structure.
How our protection advice works
A clear three‑step process: understand your needs, recommend suitable cover, and support you over time.
Free consultation (45 minutes)
We review your family situation, existing policies and priorities. You will leave with clarity on gaps and immediate next steps.
Personalised recommendations
We compare the market for life assurance, income protection and serious illness cover, explaining options in plain English.
Implementation and support
We arrange the cover and handle paperwork. Annual reviews keep your plan aligned as your life changes.
Working with Shane and the team at Empowered Money has been a hugely positive experience.
Shane's clear, strategic financial advice gave me the confidence and ability to take over a year off work, to travel and spend time with family, while continuing to contribute to my pension and maintaining my financial stability.
Thanks to his guidance, I've now reentered the workforce in a strong position, with my long-term goals still fully on track. I'm incredibly grateful for his support, insight, and the peace of mind his expertise has provided.
Andrea Henry
Customer of Empowered Money
Protection planning FAQs
Common questions about life insurance, income protection, and family financial security.
How much life insurance do I need?
The amount depends on your family's financial commitments, including mortgage, debts, childcare costs, and ongoing living expenses. We'll calculate the right level during your consultation.
What's the difference between term and whole of life insurance?
Term insurance covers you for a specific period (e.g., 25 years) at lower cost. Whole of life provides lifelong cover with higher premiums. We'll recommend the best option for your situation.
When should I consider income protection?
If you rely on your income to maintain your lifestyle, income protection is essential. It's particularly important if you're self-employed or don't have comprehensive sick pay.
How much do protection policies cost?
Costs vary based on age, health, lifestyle, and cover amount. Many policies cost less than you might expect - often less than monthly phone bills for substantial cover.
Can I get cover if I have existing health conditions?
Often yes, though terms may vary. Insurers may exclude certain conditions or charge higher premiums. We'll help find the best available coverage for your circumstances.
Do I need protection if I'm single with no dependents?
You may still benefit from income protection and critical illness cover for yourself. Life insurance might be less essential but could cover debts and funeral costs.
Is mortgage protection mandatory in Ireland?
In most cases, lenders require mortgage protection when taking out a home loan. There are limited exemptions (for example, if cover is unavailable or unaffordable). We'll review your situation and ensure any policy meets lender requirements at a competitive cost.
Income protection vs serious illness cover — what's the difference?
Income protection pays a monthly benefit if you cannot work due to illness or injury, typically until you return to work or reach the policy end date. Serious/critical illness cover pays a one‑off lump sum on diagnosis of a specified illness. Many families use both to cover different risks.
Protect what matters with clear, independent advice
Book your free 45‑minute consultation. We'll assess your needs and recommend the right cover at the right price—without jargon.