Protection that pays out when it matters — structured to suit your life, not the insurer's.
We compare Ireland's main insurers and set the cover up properly, so a claim is paid without a fight.
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Cover that pays out when it matters, without paying for cover you do not need. Life cover, mortgage protection, serious illness and income protection each do a different job, and the right mix depends on who relies on you and what you owe.
Four products, in plain English
Each one has its own page, with how it works, and what it costs you in tax terms.
Who you'll work with
Bryan, Barbara and David all advise on protection. Your adviser compares the market and sets your cover up to pay out — book with whoever suits you.
Bryan Sheahan
Wealth Management
Qualified Financial Adviser (QFA); degree in International Insurance, University of Limerick.
With over 20 years of experience in the industry, Bryan brings deep expertise and a steady, client-focused approach to every relationship he builds.
Barbara Sheahan
Employee Benefits, Health Insurance & Personal Financial Planning
Qualified Financial Adviser (QFA); Certified Insurance Practitioner (CIP).
Barbara provides expert guidance across life insurance, pensions, health insurance, investments and personal protection. Working closely with both employers and individuals, she helps clients understand their options and put effective financial strategies in place to support their future goals.
David Sheahan
Pensions & Retirement Planning
Qualified Financial Adviser (QFA); Retirement Planning Adviser (RPA); Certificate in Personal Financial Planning, National College of Ireland.
With over 12 years of experience in financial services, David brings a wealth of knowledge and a genuine commitment to helping clients achieve their financial goals.
Three things comparison sites don't tell you
Joint vs dual life
Indexation
Conversion options
How BDS quotes
We compare Aviva, Irish Life, New Ireland, Royal London and Zurich in one call — and tell you which suits you and why.
How much life insurance do I actually need?
Most people either guess at how much life cover they need or copy a round number, and both tend to be wrong. This builds the figure from what actually matters: your mortgage, other debts, the income your family would need to replace and for how long, less any cover you already have. In a couple of minutes you get a realistic target instead of a guess. Bring it to the team and we will find that cover at the best price across the market, and set it up so it pays out cleanly.
Life cover calculator
A starting figure for how much cover would clear your debts and replace your income.
Fill in the fields above and press Calculate.
Protection questions, answered
Joint life pays out once, on the first death. Dual life is effectively two policies that each pay out — often better value than people assume. We compare both.
Indexation increases your cover (and premium) each year to keep pace with inflation. Whether it’s worth it depends on your term and budget — we explain the trade-off.
It lets you extend or replace cover later without new medical evidence. It can be valuable if your health changes — we flag when it’s worth paying for.
It depends on age, health, cover amount and term. We compare Ireland’s main insurers in one call so you see the real range.
Mortgage protection clears the loan; life cover protects your family beyond that. Many people need both, structured to avoid overpaying.
Be straight about your medical history and lifestyle. Non-disclosure is the main reason claims are declined — we walk you through what matters.
Usually within 24 hours of a short conversation about your needs. Where your medical history means an insurer needs more information, it can take longer — we’ll tell you up front if that’s likely.
Request a no-obligation comparison quote.
One short conversation, and quotes from Ireland's main insurers usually within 24 hours.