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Provide security and protect the ones you love.

We’re not clairvoyants, we have no idea what’s going to happen in the future. What we do know is that sometimes the unexpected happens, even to good people like you.

Thankfully, you can protect yourself, your family and your business in the event of a serious illness or death with a well thought out protection plan.

Safeguarding your loved ones.

Incorporating protection in to your financial plan is not only sensible, it is crucial to safeguard against life's uncertainties. Whether it is securing your assets or ensuring continuity for your business, having the right cover in place is paramount.

Our tailored protection solutions are designed to shield you and those closest to you from unforeseen challenges, providing peace of mind and financial security in even the most unpredictable circumstances.
Your vision of the future is exactly what we want for you so it’s important to be sensible, recognise the confines of your circumstances and plan now.

To gain clarity on all options available to you, chat to one of our senior financial advisors.

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The importance of Protection.

Join Andrew as he explains why Protection is a vital part of any financial plan.

Your family comes first.

Our range of solutions offer a safety net against life's twists and turns, protecting both you and your loved ones. We're here to provide expert guidance and support every step of the way. With our individualised approach to family and business protection, rest assured that your financial goals and aspirations are in capable hands.
We offer the following services:

Tax Planning

Tax planning is crucial for protecting your assets, ensuring regulatory compliance, and minimizing tax burdens. We offer tailored strategies for your business and personal taxes, retirement succession planning, managing Revenue interventions, capital acquisition tax, construction taxes, and employee share options. Additionally, we address wealth transfer, such as reducing inheritance tax through strategies like purchasing agricultural land, Whole of Life insurance, monthly Savings/Investment Policies, and establishing Bare Trusts for gifting assets.

Term Assurance

Term Assurance in Ireland is a cost-effective life cover that pays out only if death occurs within a specified term. It can be 'level' or 'convertible', ending at the term's conclusion or being converted without medical underwriting. Ownership can be single or joint.

Mortgage Protection

Mortgage Protection is a life cover policy intended to settle the remaining mortgage balance upon the policy holder(s)’ death during the policy term. It decreases in line with the mortgage amount over time. Banks typically require Mortgage Protection before approving a mortgage.

Income Protection

Income protection cover offers tax-relievable protection against income loss due to injury or illness. It replaces taxable income up to a revenue limit after a deferred period, but does not cover unemployment or redundancy.

Specified Serious Illness

Unlike the regular income that is paid with an Income Protection policy, a Specified Serious Illness policy is paid out as a tax free lump sum, on diagnosis of one of the defined illnesses listed in your policy.

Pension Term Assurance

Pension Term Assurance is like regular Term Assurance, providing a lump sum on death before the initial term ends. It's offered on a 'single life' basis, either personally owned or through a company as Executive Term Assurance, with tax relief on premiums. Typically, it lasts until retirement and can be 'level' or 'convertible'.

Individual / Family Protection

While Mortgage Protection offers some financial security, it may not cover all future needs if one income is lost. Supplementing with additional life cover like Term Assurance or Pension Term Assurance provides families the reassurance they need for present and future financial stability.

Business Protection

Business protection refers to a type of cover put in place to protect your business or its assets against any unforeseen events such as death or illness. A business protection plan includes:

  • Keyperson Insurance – Protecting your company against the loss of key members of staff
  • Co-Director Insurance – In the event of the death of one of the directors, Co-Director Insurance policies allow the surviving directors to purchase the deceased’s shares from their family / next of kin.
  • Partnership Insurance – This type of insurance gives security to business partners. It allows the remaining partner to purchase the deceased partners share of the business from their family / next of kin.
  • Group Risk Cover – Normally provided by companies, this cover is similar to a group of individual Term Assurance plans and is provided to employees to compensate them, or their families, in the event of injury / death.

Start your Protection journey.

If you would like to learn more about how Trust Matters can work with you to plan your Protection, contact us today.

Financial Planning Services

Explore more of our Financial Planning services.

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Retirement Planning

The goal of retirement planning is to ensure you maintain your desired standard of living throughout your life. We can help you plan both pre- and post-retirement in a way that encompasses all aspects of a your financial well-being and is personalised to your unique circumstances.

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Savings and Investments

We help grow your wealth steadily over time in a manner that is bespoke and specific to you. To do this we assess your appetite for risk, along with your capacity for it by looking at a range of variables such as your age and stage, goals and objectives, current financial position and view on investing.

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Business Advisory

We love problem solving and have a full suite of business advisory services available to support you as they grow your company. These range from asset protection and entrepreneurial relief to tax compliance and formulating exit strategies and succession planning.