moneyman insurance logo Money Matters Independent Financial and Insurance Broker

Protection and Life Assurance has agencies with the main Life Assurance Companies in Ireland.
We will offer you Independent Impartial Advice on your Protection needs.

It is important to review your Protection Policies to ensure that they continue to offer the cover you need and the most competitive premium.

Reasons to Review your Protection Policies:

  • Your Personal Circumstances may have Changed – Birth, Marriage, Smoking Status, Employment
  • New Products Offerings
  • Reduced Premiums and Special Offers from Life Companies
  • Taxation and Government Changes

Mortgage Protection: 

This is usually taken out with a mortgage and is sometimes called Decreasing Term Assurance. The Sum Assured will reduce every year so that at the end of the term the Sum Assured will be zero. This cover is designed to pay off your mortgage should you die within the term of your mortgage.

It is recommended to add Serious Illness to your Mortgage Protection Policy so that your mortgage is paid off should you be diagnosed with a specified Serious Illness during the term of your mortgage. 

  1. Purchased Mortgage Protection through your Bank or Building Society?
  2. Arrears on your Mortgage?
  3. Changed from a Smoker to a Non Smoker?
  4. Change in Marital Status since you took out your mortgage?
  5. Want to reduce your Premium?

Telephone  Money Matters Helpline at
or email:

047 75987

Term Life Assurance

Term Life Cover pays out a Tax Free Lump Sum to your family if you die within the policy Term, which provides Financial Assistance when your family needs it most. This will give you Peace of Mind that your Family will be financially secure in the event of your death during the policy.

The Premium is Guaranteed at the start of the policy for the term of the policy. You can choose the term to suit your individual needs.

Options Available with Term Life Assurance:

  • Indexation (Benefit and Premium increases each year)
  • Dual Life Cover
  • Joint Life Cover
  • Convertible Cover
  • Serious Illness Cover
  • Hospital Cash Cover
  • Accident Cash Cover
  • Monthly Income Benefit Options
  1. Have a Life Policy that is Indexed?
  2. We will check the rate of indexation, which can save thousands over the term of your policy
  3. Purchased Life Cover through your Bank or Building Society?
  4. Change in Your Personal Circumstances?
  5. New Additions to your Family?
  6. Want to review your Existing Cover?

Telephone  Money Matters Helpline at
or email:

047 75987

Whole of Life Cover

This provides Life Cover that lasts for the whole of your life. This cover will ensure that a Lump Sum is paid to your Dependants on your death, no matter what age you die.

This cover is more expensive than Term Life Assurance, which will only pay out if you die within the term of the policy.

Whole of Life Cover can be taken out to protect your family against a large Inheritance Tax Bill when you die. will calculate your potential Inheritance Liability and advise you on a policy that will provide cover for your family.

Telephone  Money Matters Helpline at
or email:

047 75987

Serious Illness Cover

Serious Illness Cover or Critical Illness Cover will pay out a specified Tax Free Lump Sum to you, should you be diagnosed with a Specified Serious Illness during the term of your policy. You can add Serious Illness to your Mortgage Protection or Life Assurance policy or it can be taken out as a Stand Alone Policy.

* You are 4 times more likely to suffer a Serious Illness before the age of 65, than to die!
(* Source Irish Life Claims 2011)

Please see attached for details of 2011 Serious Illness Claim paid by Irish Life

  1. Each Life Company covers different Serious Illnesses. We will give you Independent Impartial Advice
  2. Free Cover Available for Children

Telephone  Money Matters Helpline at
or email:

047 75987

Income Protection

Income Protection provides a replacement income should you be unable to work due to Any Illness, Any Accident or Any Disability.

There is a 1 in 6 chance that you will be out of work for 6 months* or more during your working life. That’s the same odds as throwing a dice!
(* Source: Central Statistics Office, 2007)

Your Income is your Most Important Asset - Your income pays for all your outgoings:

  • Home
  • Car
  • Food
  • Clothes
  • Heat and Energy
  • Children Costs
  • Entertainment and Holidays

If you were unable to work could you survive on the State Illness benefit of €188 per week?

No Illness Benefit is paid if you are self-employed!

Employers aren’t obliged to pay for Sick Leave!

  1. Income Protections Premiums qualify for Tax Relief
  2. Income Protection Benefits are paid until you are able to return to work or until you retire

Telephone  Money Matters Helpline at
or email:

047 75987

50+ Life Cover

50+ Easy Life Cover is a Guaranteed Acceptance Life Cover for over 50s.
This will provide a lump sum for your family when you die, which can be used to fund funeral expenses or as a gift.

  1. Guaranteed Acceptance – No Health Questions & No Medical
  2. Guaranteed Payments
  3. Minimal Paperwork

Telephone  Money Matters Helpline at
or email:

047 75987


Talk to if:

  1. You want to make sure your family is adequately covered in the event of a Death, Serious Illness or Not Being Able to Work
  2. You are taking out a mortgage and need mortgage protection
  3. You want to check the value of your current cover
  4. You have a Life Assurance policy through your bank and you would like better value for money
  5. You would like to review your current financial health
  6. You want to increase or decrease your current cover
  7. Your circumstances have changed (eg Smoking Status, New Dependants)
  8. You want to advice on Inheritance Tax Planning
  9. You want to cover your business in the event of a Death to a Key Person

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