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Family Protection
Help protect the people who depend on you with clear, no-fee advice on life cover, income protection and family financial planning.
30+ Years’ Experience
Nationwide Service
Family protection is about more than one policy
When you have children, a partner or others who rely on you, your financial plan needs to consider more than today’s bills.
You may need to think about how your family would manage the mortgage or rent, household costs, childcare, education, everyday living expenses and future plans if illness, injury or death affected your income.
At Covermore, we help you understand what protection you already have, where there may be gaps and what may make sense for your family today.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
What family protection can help you consider
Life cover
Life insurance can help provide financial support for your family if you die during the policy term, subject to policy terms and conditions.
Mortgage protection
If you have a mortgage, mortgage protection can help ensure the outstanding debt does not become a burden if the unexpected happens.
Income protection
If illness or injury prevented you from working, income protection may help replace part of your income, subject to policy terms, conditions and underwriting.
Savings for future needs
Protection can work alongside savings plans for children’s education, family milestones, emergencies and longer-term goals.
Serious illness cover
Some families may want to consider financial support if a covered serious illness is diagnosed, subject to policy terms and conditions.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
What to consider when protecting your family
Protecting your family means considering how they would manage financially if you were no longer there.
This may include your income, mortgage and other debts, childcare or education costs, everyday living expenses and the support your family may need in the years ahead.
Your household income
Consider how your family would manage if one income was no longer available.
Your children and dependants
The number of people who rely on you, their ages and their future needs can all affect the protection you may want to consider.
Your mortgage, rent and debts
Mortgage repayments, rent, loans and everyday commitments may continue even if illness, injury or death affects your household income.
Childcare and education costs
As your children grow, you may need to think about childcare, school, college and other future costs.
Your existing cover
You may already have mortgage protection, life cover, employer benefits or pension-related benefits in place.
How Covermore helps with Family Protection
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
Understand your family’s position
We begin by discussing your income, family, home, debts, existing protection and future plans.
Review what you already have
We help you understand your current policies, employer benefits and other arrangements that may already provide some support.
Identify potential gaps
We look at the financial pressures your family could face if one income stopped or the unexpected happened.
Explain your options clearly
We explain the options available in plain English, without pressure or unnecessary jargon.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Based on
your situation
Family protection should reflect your income, mortgage, family responsibilities and future plans.
We take the time to understand your circumstances, explain the options clearly and help you arrange suitable cover for the people who matter most.
We have young children
We can help you consider how your family would manage household costs, childcare, education and future expenses if your income was no longer available.
We have a mortgage
We can help you review mortgage protection alongside wider life cover and income protection needs.
One of us earns most of the household income
If your family depends heavily on one income, it can be important to consider how the household would cope if that income stopped.
We are planning to start a family
It can be helpful to review your protection before your family circumstances and financial commitments change.
I am self-employed
When you work for yourself, your family may have less access to employer sick pay or workplace benefits.
We can help you consider protection that reflects your income and work situation.
We already have some cover
We can help you review your existing policies and consider whether they still reflect your family, income, mortgage and future plans.
What to prepare before speaking to a family protection advisor
It can be useful to have a general understanding of:
Your household income and regular outgoings
Your rent and shared monthly bills
Any personal loans, car finance or other commitments
Your partner, children or other dependants
Existing life cover, income protection or employer benefits
Your future plans, such as buying a home or starting a family
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Not sure what financial step to take next?
Do Covermore charge a fee for family protection consultations?
Covermore provides no-fee family protection consultations. We will explain clearly how the process works before you make any decision.
What is family protection?
Family protection is a broader way of looking at how life cover, mortgage protection, income protection, savings and other arrangements may help support your family if the unexpected happens.
Is life insurance enough to protect my family?
Life insurance may be an important part of a family protection plan, but it may not address every risk. Your family may also need to consider mortgage debt, income protection, savings and future financial commitments.
Should both parents have life cover?
This will depend on your household income, childcare responsibilities, financial commitments and future plans. We can help you review what may be suitable for your circumstances.
Can family protection include income protection?
Yes. Income protection can form part of a wider family protection plan where your household relies on your income.
Can you review the policies we already have?
Yes. We can help you review existing policies and understand whether they still reflect your family’s needs today.