Protection and financial planning, made personal
Protect your family. Build a plan for what comes next.
Speak directly with Adam O'Keeffe or Daniel Zhumylo at Actual Insurances about life cover, serious illness, income protection, health cover, pensions and investments.
Cork based, working with clients nationwide—in person, by phone and online.
Start with what matters. We will help you understand a suitable next step.
Clear reasons to begin a conversation
Advice with a real firm and real people behind it.
What we can explore together
Start with the outcome you want, not a product name.
You do not need to know which product you need before getting in touch. Tell us the concern or goal, and we will help you understand the relevant options.
See every service →Family & legacy
Life and serious illness protection
Explore term assurance, whole-of-life assurance and serious illness cover around the people and commitments that matter to you.
Explore these optionsIncome & health
Protection for the years you are working
Consider income protection and health cover as part of a practical safety net for you and the people who rely on you.
Explore these optionsFuture & estate
Pensions, investments and Section 72
Review retirement provision, long-term investment options and estate-planning cover in the context of your wider circumstances.
Explore these optionsInvestments 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.
Cork basedPersonal advice, available nationwide
Meet your advisers
A conversation with the people who will do the work.
Talk Life Cover connects you with Adam and Daniel at Actual Insurances. Meetings can take place in person, by phone or online.
Protection & planning
Adam O'Keeffe
Adam moved into financial advice after a career in Cork property management and residential lettings. That practical experience continues to shape how he approaches risk, responsibility and long-term planning.
Protection & planning
Daniel Zhumylo
Daniel works alongside Adam at Actual Insurances, helping clients understand protection and longer-term planning options through clear, personal conversations.
A straightforward first step
Three steps from enquiry to a useful conversation.
Share only the information needed for your callback request. Advice or a recommendation comes after an adviser understands your circumstances.
Tell us what matters
Choose an area—or say you are not sure—and provide the enquiry details.
Choose your callback
Select a suitable callback window and confirm the separate permissions shown.
Speak with an adviser
Adam or Daniel will listen, explain the relevant options and outline a practical next step.
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.