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Protect your people
Life & serious illness cover
Explore term assurance, whole-of-life assurance and serious illness cover around the people and commitments that matter to you.
Cork based. Advising clients nationwide.021 474 2029•Email Adam
Protection and planning, made personal
Protect what matters today. Plan confidently for what comes next.
A real conversation about life cover, health, income protection, pensions and investments—with Adam O'Keeffe or Daniel Zhumylo at Actual Insurances.
Personal adviser-led serviceFlexible in person, phone or onlineNationwide from our Cork base
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Start with what matters. We'll help you understand the next step.
What we can explore together
One relationship for protection and longer-term planning.
You do not need to know which product you need before getting in touch. Start with the concern or goal; we will help you understand the relevant options.
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Protect your earnings
Income protection
Build a financial safety net for a period when illness or injury may leave you unable to work.
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Plan for later
Pensions & investments
Review long-term plans, retirement provisions and investment options with advice shaped around your circumstances.
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Plan your estate
Section 72 cover
Consider a qualifying policy intended to help beneficiaries fund an inheritance-tax liability, subject to Revenue conditions.
Investments and pensions can fall as well as rise in value. You may get back less than you invest. Insurance benefits depend on the policy terms, exclusions, eligibility and underwriting.
A practical perspective
From helping people find homes to helping them protect what they have built.
Adam's career began in Cork block management, with responsibility for 21 apartment complexes and more than 1,000 residential units. He later moved into residential lettings, helping many families secure homes and working with landlords as they managed their investments.
Those years were about far more than property. They were about people, responsibility and decisions with long-term consequences. That perspective now shapes Adam's work in financial services: reducing exposure to risk, protecting what clients have built and helping create meaningful provisions for the years ahead.
Read our storyA straightforward first step
Less form filling. More useful conversation.
Tell us what is on your mind
Choose an area—or simply select “I'm not sure”—and leave your contact details.
Pick a callback that suits
Take the next standard adviser slot or select any available time yourself.
Talk through the right next step
We listen first. Any advice or recommendation comes only after understanding your circumstances.
Ready when you are
You do not need all the answers to start the conversation.
Share the basics now. An Actual Insurances adviser will take it from there.
Request a callback