PROTECTION
Protection is about looking after yourself and the people you love
Protection is about looking after yourself and the people you love
Protection is about looking after yourself and the people you love
We help you put the right cover in place, so if life takes an unexpected turn, your family is protected
Why do you need protection?
Why do you need protection?
Keep your family financially secure
Keep your family financially secure
Make sure the mortgage is covered
Make sure the mortgage is covered
Keep income if you can’t work
Keep income if you can’t work
Protect your lifestyle if illness hits
Protect your lifestyle if illness hits
Avoid draining savings in a crisis
Avoid draining savings in a crisis
Know you’ve got a backup plan
Know you’ve got a backup plan
Who is it for
Who is it for
Families with children
If people rely on your income, life cover makes sure they are looked after.
Mortgage holders
Mortgage protection helps make sure your home is looked after, so the people you love have one less thing to worry about.
Self-employed
No sick pay, no employer cover. Income protection fills that gap if you cannot work.
Protection types
1
Life Cover
Life cover is there to protect the people who rely on you if something unexpected happens.
Example:
Mary and James have two kids. If James passed away, life cover would help Mary to cover kids expenses until they turn 18.
Pays out a lump sum, tax-free
Replaces lost income for the family
Keeps life stable for the kids
2
Mortgage Protection
Mortgage protection is there to help clear your mortgage if one of you passed away, so the home stays secure.
Example:
Mary and James have a mortgage. If James passes away, the mortgage protection would pay off the remaining mortgage, so Mary and the kids can stay in their family home.
Protects your family from losing the house
Gives your family time to adjust
Required for getting a mortgage
3
Income Protection
Income protection helps keep money coming in if you can’t work for a while due to illness or injury.
Example:
James got injured and couldn’t work for 15 months. Without his income, things would’ve been really tight for Mary and the kids. With income protection, they still received 75% of James’s salary, which helped keep the mortgage and bills paid while he recovered.
Keeps money coming in if you can’t work
Helps pay the mortgage or rent
Takes pressure off during a tough time
4
Specified Illness Cover
Specified illness cover pays a lump sum if you’re diagnosed with one of the illnesses covered by your plan.
Example:
Mary was diagnosed with an illness and needs time to get better. Specified illness cover gave her a lump sum, helping with treatment and extra costs while giving her time to focus on recovery.
A lump sum when you need it most
Helps cover treatment and extra costs
Lets you focus on recovery, not bills
5
Pension Term Assurance
It’s life cover, but structured through your pension. If you’re eligible, you may be able to claim tax relief on the monthly payments.
Example:
James is self-employed and doesn’t have life cover through work. Pension Term Assurance gives him life cover, and if he’s eligible, he may be able to claim tax relief on the monthly payments.
Pension that includes protection
Tax-efficient life cover
Pays out a lump sum, tax-free
Not sure which one you need?
You don’t need to understand every type of cover or the differences between them. We’re here for that. We’ll look at your situation and recommend the right protection for you and your family.
How it works
How it works
1
Intro call
2
Onboarding
3
Analysis
4
Planning meeting
5
Implementation
6
Annual reviews
It starts with a free intro call - no prep needed, no obligation to go ahead.
1
Intro call
2
Onboarding
3
Analysis
4
Planning meeting
5
Implementation
6
Annual reviews
It starts with a free intro call - no prep needed, no obligation to go ahead.
1
Intro call
2
Onboarding
3
Analysis
4
Planning meeting
5
Implementation
6
Annual reviews
It starts with a free intro call - no prep needed, no obligation to go ahead.
1
Intro call
It starts with a free intro call - no prep needed, no obligation to go ahead.
2
Onboarding
This is where we learn about you - a few forms to complete so we can build the advice around your situation
3
Analysis
We review your full financial picture and figure out what’s working, what’s missing, and what to do next
4
Planning meeting
We walk you through your plan together - you can ask any questions, we’ll adjust until it feels right
5
Implementation
We handle all the paperwork and setup and keep you updated every step of the way
6
Annual reviews
Life moves on - so every year we review your plan together and make sure it moves with you
How much does it cost
How much does it cost
Your consultation is completely free - no fees, no obligation, no hidden fees or catches. If you decide to go ahead with a product, we’re paid by the provider for arranging it.
See full details on our Fees page →
Where can you get a consultation
Where can you get a consultation
MOST POPULAR
Online
We’ll meet you on Zoom so you can chat to us from the comfort of your own home.
Online
We’ll meet you on Zoom so you can chat to us from the comfort of your own home.
In-person
You’re always welcome to meet us in our Dublin 2 office. Also, we have advisors around the country. We can arrange an in-person meeting nationwide.
Protection types
1
Life Cover
Life cover is there to protect the people who rely on you if something unexpected happened.
Example:
Mary and James have two kids. If James passed away, life cover would help Mary to cover kids expenses until they turn 18.
Pays out a lump sum, tax-free
Pays out a lump sum, tax-free
Replaces lost income for the family
Replaces lost income for the family
Keeps life stable for the kids
Keeps life stable for the kids
2
Mortgage Protection
Mortgage protection is there to help clear your mortgage if one of you passed away, so the home stays secure.
Example:
Mary and James have a mortgage. If James passes away, the mortgage protection would pay off the remaining mortgage, so Mary and the kids can stay in their family home.
Protects your family from losing the house
Protects your family from losing the house
Gives your family time to adjust
Gives your family time to adjust
Required for getting a mortgage
Required for getting a mortgage
3
Income Protection
Income protection helps keep money coming in if you can’t work for a while due to illness or injury.
Example:
James got injured and couldn’t work for 10 month. Without his income, things would’ve been really tight for Mary and kids. With income protection, they still received 75% of James’s salary, which helped keep the mortgage and bills paid while he recovered.
Keeps money coming in if you can’t work
Keeps money coming in if you can’t work
Helps paying the mortgage or rent
Helps paying the mortgage or rent
Takes pressure off during a tough time
Takes pressure off during a tough time
4
Specified Illness Cover
Specified illness cover pays a lump sum if you’re diagnosed with one of the illnesses covered by your plan.
Example:
Mary was diagnosed with an illness and needs time to get better. Specified illness cover gave her a lump sum, helping with treatment and extra costs while giving her time to focus on recovery.
A lump sum when you need it most
A lump sum when you need it most
Helps cover treatment and extra costs
Helps cover treatment and extra costs
Lets you focus on recovery, not bills
Lets you focus on recovery, not bills
5
Pension Term Assurance
It’s life cover, but structured through your pension. If you’re eligible, you may be able to claim tax relief on the monthly payments.
Example:
Jmes is self-employed and doesn’t have life cover through work. Pension Term Assurance gives him life cover, and if he’s eligible, he may be able to claim tax relief on the monthly payments.
Pension that includes protection
Pension that includes protection
Tax-efficient life cover
Tax-efficient life cover
Pays out a lump sum, tax-free
Pays out a lump sum, tax-free
SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.
Copyright © 2026 by SparksWealth
Website Designed by
SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.
Copyright © 2026 by SparksWealth
Website Designed by
SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.
Copyright © 2026 by SparksWealth
Website Designed by
SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.
Copyright © 2026 by SparksWealth
Website Designed by