The people behind Talk Life Cover
Adam O'Keeffe and Daniel Zhumylo work together through Actual Insurances. Their approach begins with context: who depends on you, what you have built and what you want the years ahead to hold.
A personal, adviser-led approach
Protection, health, income, retirement and estate planning may look like separate subjects. In real life they often meet around the same question: how do you preserve choices when circumstances change?
Talk Life Cover is a place to begin that conversation. Information comes first; any personal recommendation follows only after your circumstances and suitability have been assessed.
The journey so far
Property foundations
Adam describes beginning his career in Cork block management, with responsibility for a portfolio of 21 apartment complexes representing more than 1,000 residential units. The work brought owners, residents, shared finances and long-term decisions into the same view.
Career history and figures supplied by Adam O’Keeffe.Homes in motion
In residential lettings, Adam worked with families seeking homes and landlords managing property investments. It reinforced a practical lesson: behind every asset sits a person, an income and a plan that may need to withstand change.
A wider financial picture
Moving into financial services widened the conversation from property alone to the people who rely on an income, the future a household wants to fund and the risks that could interrupt it.
Working together
Through Actual Insurances, they work with clients in Cork and across Ireland by phone, online and, where arranged, in person. The aim is a clear first conversation before any recommendation is considered.
Adam O'Keeffe
Adam's property background continues to shape the questions he asks: what matters now, what could disrupt it and what provisions would make a meaningful difference?
Conversations through this campaign can include life and serious illness cover, income protection, health cover, pensions, investments and estate-tax planning through Actual Insurances.
Daniel Zhumylo
Daniel works alongside Adam through Actual Insurances, helping keep each conversation connected to the client's circumstances rather than beginning with an assumed product.
Together, they offer a consistent point of contact for protection and financial-planning conversations, whether the first meeting takes place by phone, online or in person.
How the conversation works
The starting point is your circumstances. Product terms, eligibility, trade-offs and risk still matter, and a personal recommendation is made only after a fact-find and suitability assessment.
Begin with the people, responsibilities and objectives behind the enquiry.
Set out relevant terms, limitations and next steps in plain language.
Consider immediate protection alongside longer-term planning where relevant.
Arrange a further review when circumstances, priorities or existing provisions change.
Actual Insurances on Google
This is the company-wide Google rating for Actual Insurances, not a satisfaction measure for Adam and Daniel's reported client count. Rating checked 11 August 2026.
Read the reviews on Google ↗Start with a conversation
Tell us what matters, what concerns you or what you would like the future to look like. You do not need to know the product name before getting in touch.