Financial Planning for Families
Create a clearer financial plan for your family with no-fee advice on protection, pensions, savings and the next steps for your future.
30+ Years’ Experience
Nationwide Service
Family life changes quickly. Your financial plan should keep up.
Starting a family, buying a home, changing jobs or growing your income can all bring new financial responsibilities.
You may be thinking about protecting your income, reviewing life cover, building savings for your children, improving your pension or simply making sure your family would be financially secure in the event of death, illness, job loss.
At Covermore, we help families look at the bigger picture.
Our role is to help you understand what you already have in place, what may need attention and what sensible financial step to take next.
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 financial planning can help you consider
Protecting your household income
Your income may support your mortgage or rent, bills, childcare, school costs, savings and everyday family life.
Protecting your family if the unexpected happens
Life cover and family protection can help provide financial support if you or your partner die during the policy term, subject to policy terms and conditions.
Protecting mortgage debt
If you have a mortgage, mortgage protection can help ensure that the outstanding debt does not become a burden in the event of death or illness.
Building savings for your children
You may want to prepare for education, activities, college, future milestones or other family needs.
Building your pension
It can be easy to put retirement planning behind more immediate family costs.
We help you balance today’s responsibilities with the need to build financial security for your own future.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
What to consider when planning for your family
Planning for your family means thinking about both today’s needs and the years ahead.
It may include your income, mortgage, protection, savings, education costs, retirement plans and the financial security you want to create for those who depend on you.
We help you consider the bigger picture and make informed decisions that support your family’s future.
Your income and household costs
Consider how your household would manage if one income changed or stopped.
Your children and dependants
Your children’s ages, childcare needs, education plans and future costs can all affect your financial priorities.
Your mortgage, rent and debts
Mortgage repayments, rent, loans and other financial commitments may continue even if your circumstances change.
Your current protection
You may already have mortgage protection, life cover, income protection or benefits through work.
Your savings priorities
Your family may have several competing goals, including emergency savings, home improvements, childcare, education and future plans.
Your long-term plans
A family financial plan should also consider your pension, future lifestyle goals and longer-term financial security.
How Covermore helps families
plan ahead
Financial planning should not feel intimidating.
Understand your family’s current position
We start with a conversation about your income, home, household costs, children, existing financial arrangements and future plans.
Review what you already have
We help you build a clearer view of your mortgage, protection, pension, savings and any existing investments.
Identify what may need attention
We help you consider potential gaps, risks or opportunities based on your family’s current needs and priorities.
Explain your options clearly
We explain the relevant options in plain English, without pressure or unnecessary jargon.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Family financial planning based on your situation
Family financial planning should reflect your income, mortgage, protection needs, savings goals and future priorities.
We take the time to understand your circumstances, explain your options clearly and help you make informed decisions for your family’s future.
We have young children
We are buying our first home
One of us earns most of the household income
We are planning to start a family
We have cover already
One of us is self-employed
What to prepare before speaking to an advisor
It can be useful to have a general understanding of:
Your household income and regular monthly outgoings
Your mortgage, rent, loans and other financial commitments
Your partner, children or other dependants
Existing life cover, mortgage protection, income protection or employer benefits
Your pension arrangements and current savings
Your future plans for housing, education, childcare or family life
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Build a stronger financial foundation for your family
Hidden
Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.