Cork based. Advising clients nationwide.021 474 2029Email Adam
Talk Life CoverBy Actual InsurancesRequest a callback

The people behind the conversation

A career shaped by homes, people and the plans that hold life together.

Talk Life Cover brings together Adam O'Keeffe and Daniel Zhumylo, financial advisers with Actual Insurances. Their work starts with a simple idea: understand the life someone is building, then help them protect it and plan confidently for what comes next.

Financial adviser

Daniel Zhumylo

Daniel works alongside Adam at Actual Insurances and has helped many clients move towards the same goal: stronger protection today and a clearer plan for the future. He brings the same commitment to making financial conversations personal, understandable and relevant to the person sitting across the table or joining the call.

Together, Adam and Daniel take a joined-up view of a client's needs. Protection, pensions and investments are different areas, but they often form part of the same life story: keeping a family secure, preserving choices during difficult periods and creating greater confidence about the years ahead.

They are based in Cork and work with clients nationwide. Meetings can be held in person, while many clients prefer the convenience of a telephone or digital service from home. Whichever format is chosen, the aim is the same: a thoughtful conversation, clear explanations and a practical next step.

A long-term perspective

Good advice should still make sense as life changes.

A first home, a growing family, a change of work and the approach of retirement can all alter what someone needs. Adam and Daniel value ongoing relationships and regular reviews so arrangements can be reconsidered as circumstances and priorities evolve.

Begin with your life

We start with the people, responsibilities and ambitions behind the enquiry, rather than assuming a product in advance.

Make it understandable

Important terms, trade-offs and next steps are discussed in clear language, with room for questions.

Think beyond today

Immediate protection can sit alongside longer-term retirement provisions, investments and financial safety nets.

Keep the conversation open

We value regular reviews as family, work, finances and priorities change over time.

5.0

Actual Insurances on Google

138 public reviews.

See the original reviews directly on Google. Rating checked 11 August 2026.

Read the reviews on Google ↗

Start with a conversation

Your story does not need to fit inside a product box.

Tell us what matters, what concerns you or what you would like the future to look like. If you are not sure where to begin, that is a perfectly good place to start.

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