Protection Products

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Halpin Wealth and Mortgages

Protection that works when you need it most

The right cover ensures that a health setback or unexpected death doesn't become a financial crisis for the people who depend on you.

Book a Free Protection Review

Are you financially prepared for the unexpected?

How financially prepared are you for illness, serious injury, or death? Who would pay the bills, the mortgage, and maintain your family's current standard of living? Most people are underinsured, not because they can't afford cover, but because they've never sat down with someone who properly stress-tested their situation.

We identify the gaps and close them

At HWM, we review your income, your debts, your dependants, and your existing cover to build a clear picture of where you stand. We then identify exactly what protection you need and what you don't, so you are never paying for the wrong cover.

Why Review Your Cover

Most People Are UnderinsuredYou insure your car, your phone, even your home but not the income that pays for all of it. Even employer schemes or cover taken out years ago is rarely still adequate
Tax Relief AvailableIncome protection premiums qualify for tax relief at your marginal rate, reducing the real cost significantly
Our ApproachWe review what you have, identify the gaps, and recommend from our panel of providers. No pressure, no unnecessary products

What We Cover

Products We Advise On

Protection cover comes in many forms to cover many eventualities. We advise on the full range and match you to what actually fits your situation.

No matter how difficult it is to think about unexpected illness, injury, or death, planning ahead gives you enormous peace of mind now and eases the financial burden if the worst does happen later. Our first-hand knowledge of the protection market means we can quickly identify the right products for your circumstances.

Life Assurance

  • Lump sum cover for your family on your death
  • Term assurance over a specified period
  • Pension term assurance with tax relief on premiums
  • Optional dual life, disability and hospital cover
  • Whole of life and convertible term options

Specified Illness Cover

  • Tax-free lump sum on diagnosis of a covered condition
  • Covers cancer, stroke, heart attack and more
  • Average age of claimants is mid-40s
  • Helps cover financial commitments while you recover
  • Can be combined with life cover for better value

Income Protection

  • Replaces your salary if illness or injury stops you working
  • Tax relief on premiums at your marginal rate
  • State sick pay is very limited in Ireland
  • Flexible benefit and deferred periods available
  • Covers any illness or injury, not just specified conditions

Mortgage Protection

  • Pays off your mortgage balance if you die
  • A requirement when taking out a mortgage in Ireland
  • We price match across all providers for the best rate
  • Can include serious illness and disability cover
  • Level or decreasing cover options available

Business Protection

  • Keyperson insurance protecting against loss of key staff
  • Shareholder protection funding a buy-out on death
  • Company serious illness and income protection
  • Loan protection for business borrowings
  • Protects the business you've worked hard to build

Not Sure What You Need?

  • We review your existing policies first
  • We identify gaps based on your actual circumstances
  • We tell you what you need and what you don't
  • No pressure, no jargon, no unnecessary products
  • A protection review is free and carries no obligation

The Process

What to Expect at a Protection Review

01

Book a Review

Schedule a free, no-obligation consultation at a time that suits you.

02

We Review Your Cover

We look at what you have in place, your income, debts, and dependants.

03

We Identify the Gaps

We tell you exactly what cover you need and what you don't.

04

You Get the Right Cover

We compare across all providers and put the right protection in place.

Book a Free Protection Review

What Our Clients Say

Google Reviews

  • I've worked with Ben and the team at HWM for some time now and am thoroughly satisfied with the excellent... read more

    Aidan Lee Avatar Aidan L.
    May 13, 2024

    I had a very positive experience with Halpin Wealth Management. The team was professional, knowledgeable, and took the time to... read more

    Joanna Waskan Avatar Joanna W.
    March 5, 2026

    I had a great experience with Drury, who guided me on managing pensions, savings and investments. He was very knowledgeable... read more

    Kate O'Keeffe Avatar Kate O.
    May 10, 2025

  • I have an excellent experience with Ben and the Halpin team. They are the best financial advisers I have seen... read more

    Isaac Erhunmwunsee Avatar Isaac E.
    May 13, 2026

    100% recommend. Drury gave excellent advice around investments, and Sheila was also great, handling all the paperwork and making the... read more

    Kevin Montgomery Avatar Kevin M.
    October 13, 2024

    Halpin Wealth Management has been a game-changer for me! Their team took the time to understand my financial situation and... read more

    Dylan Barry Avatar Dylan B.
    November 13, 2024

  • The team at Halpin Wealth Management were really great to deal with. Ben answered every question I had in really... read more

    Katherine Fitzpatrick Avatar Katherine F.
    May 5, 2026

    My sister put me in touch with Drury at Halpin Wealth Management earlier this year and I could not have... read more

    James Cook Avatar James C.
    May 8, 2025

    Everyone was so helpful and friendly. Gave me brilliant advise and guidance. Highly recommend working with them. A great experience.

    Catherine Hayes Avatar Catherine H.
    October 13, 2024

Get a protection review

We will tell you exactly what you need and what you don't.

Book Your Free Review

Got Questions?

Frequently Asked Questions

Life assurance pays out a lump sum when you die. Specified illness cover pays out a tax-free lump sum if you are diagnosed with one of a number of serious conditions such as cancer, stroke, or heart attack. You can be alive and claim on specified illness cover. Many people have life cover but no illness cover, which leaves a significant gap.
Income protection replaces a proportion of your salary if you are unable to work due to illness or injury. One in six Irish workers will suffer an illness or injury that stops them working for six months or more. State sick pay is very limited. If your income stopped tomorrow, income protection ensures your bills, mortgage, and lifestyle are maintained while you recover. Premiums qualify for tax relief at your highest rate.
Not quite. Mortgage protection is specifically designed to pay off the outstanding balance of your mortgage if you die during the term. Life assurance pays a fixed lump sum. Mortgage protection cover decreases over time as your mortgage balance reduces. Both can be important, and we will help you understand which you need and whether combining them makes sense for your situation.
Employer group schemes are a valuable benefit but rarely sufficient on their own. Cover levels are often limited, they do not move with you if you change jobs, and they may not cover your full income or all your financial commitments. We regularly find that people with employer cover still have significant gaps. A review will show you exactly where you stand.
Keyperson insurance protects a business against the financial impact of losing a critical person due to death or serious illness. The business takes out a policy on the key individual and receives a lump sum if that person dies or becomes seriously ill. This helps the business survive the disruption, cover lost revenue, and fund a replacement.
The cost depends on your age, health, the type and level of cover, and the provider. Protection is often less expensive than people expect, particularly when taken out young and in good health. We compare across all providers to find the most competitive option for your situation. Income protection premiums also attract tax relief, which reduces the net cost significantly.
In many cases yes, though terms may vary. Some conditions may be excluded, loaded with a higher premium, or covered subject to certain conditions. We have experience placing cover for clients with a range of medical histories and will give you an honest assessment of your options before you apply.
Yes, completely. The initial review carries no obligation. We look at what you currently have in place, identify any gaps, and explain what we would recommend and why. If you decide to proceed, we handle everything. If you decide not to, you leave with a clearer picture of your protection position at no cost.

Also of Interest

Our Other Services

Protection is one part of a complete financial plan. Explore our other services below.

Financial Planning
Find Out More →
Retirement Planning
Find Out More →
Savings & Investments
Find Out More →
Mortgages
Find Out More →

Don't wait until you need it to think about it.

Book a free, no-obligation protection review and find out exactly where you stand.

Book a Free Protection Review Call 021 203 2090

Halpin Wealth Management Ltd. t/a Halpin Wealth and Mortgages is regulated by the Central Bank of Ireland. These pages are for information purposes only and do not constitute financial advice.