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(01) 295 5766

Protecting what’s most important,

Life brings the unexpected.
The only thing you can be sure of is that you can’t be sure.

It’s not a nice thing to think about, but what happens to you and your family if your income isn’t there anymore?
Protect your home, your family and your income so that when life takes an unexpected turn you and your family are prepared and financially secure.

Term Assurance

Term Assurance is a plan that offers an amount of cover over a specific term. The longer the term, the more expensive the cover. It is possible to have a short-term policy and have a guaranteed cover option on it.
This means that when the term is finished you will be guaranteed the same cover for the same period again. However, as you will be older at that stage, the cost will increase.
The main advantage of a term assurance policy is the flexibility it offers. In order to find the best policy for you please contact our team today to arrange a Life Cover Assessment.

Income Protection

Income Protection is one of the most important kinds of cover you can have, especially if you are self employed. The reason for this is that self employed people cannot claim social welfare payments should they become unable to work due to a illness or injury!
Your income is your most important asset and without that, everything stops.
Contact Pax Financial Planning today to discuss the differing levels of cover that you can put in place and how your cover can be structured in a tax-efficient manner.

Whole of Life

This type of policy is for the whole of your life, not just for a specific term. Note that premiums must be paid in order for cover to be maintained.
A Whole of Life policy is ideal for protecting yourself against the heavy tax burden that comes with inheritance. If you are looking for advice in this area, Pax Financial Planning can research the market to find the best plan for you.

Serious Illness Cover

Serious Illness cover typically runs in conjunction with a life assurance policy. However, it is also possible to take out a standalone serious illness policy.
When we talk about serious illness cover, we refer primarily to heart attack, cancer or stroke. However, some products cover up to 44 illnesses such as Alzheimer’s disease, loss of one limb and Parkinson’s disease, to name just a few.
Statistics from the Irish Cancer Society show that one in three people will develop cancer during their lifetime and for this reason, it is extremely worthwhile considering a comprehensive serious illness policy. There are currently five providers in the Irish marketplace offering serious illness cover and each product is completely different.
Please do not hesitate to contact Pax Financial Planning if you are considering this type of cover. Our qualified team can assist you in getting the best cover available.

Mortgage Protection

A mortgage protection policy does exactly what it says on the tin! Cover amounting to the value of your mortgage is arranged over the term of the mortgage. In the event of a mortgage holder dying, the policy is used to clear the outstanding mortgage.
It’s a very simple concept, but as with other types of protection, there are various ways of arranging the policy to maximise the benefit to you.
The majority of people with mortgage protection cover took the policy out at the time of their mortgage. If your circumstances have changed in the last number of years, your mortgage protection policy may not be providing you with the correct level of cover.
If you have an existing mortgage protection policy and would like to review it, please don’t hesitate to contact one of the team.

We offer a financial planning service that is built around you.

Our team of highly qualified consultants will provide you with honest and unbiased financial advice that you can trust.

Contact us today

  • JS, Doctor, Dublin

    “Paul helped myself and my wife organise life assurance and set up a fund for our children’s college tuition. I found him extremely thorough, helpful and he made the process really quite easy. I would have no hesitation in continuing to recommend Paul and to avail of his financial advice going forward.”

  • Dave Downes

    “I found Ian at Pax excellent and very professional to deal with , he is very knowledgeable and took the time to explain and to help me understand my financial needs and devise the most suitable policies for me, they provided with me with excellent financial advice.”

  • LR, HR Manager, Dublin

    “In my dealings with Paul I have always found him to be very approachable, personal and down to earth. For our employees and, on a personal level, he gives excellent, uncomplicated advice and offers peace of mind on investing with his impeccable industry knowledge. I’ve worked with Paul over several years now and have always found his service and professionalism second to none.”

  • JK, Accountant, Dun Laoghaire, Dublin

    “I have dealt with Paul Merriman for over 10 years now and found him extremely professional in all his dealings with me and my many clients. I have no hesitation in recommending him to anyone.”

  • Ken, Dublin 2

    "Paul, Conor and all the team at Pax deliver a truly professional financial planning service, specifically tailored to their clients’ own interests. They have a wealth of knowledge at their disposal and I would happily recommend Pax to anyone seeking a sound personalised service."

  • Darragh Moore

    “Pax deliver a truly professional financial planning service, specifically tailored to their clients’ own interests. They have a wealth of knowledge at their disposal and I would happily recommend Ian at Pax to anyone seeking a sound personalised service.”

  • Andrew Butler

    “The ability to meet with a financial adviser face to face offered me great peace of mind and the knowledge that I wasn’t just another number in a database. From initial contact whilst setting up my PRSA to advising on mortgage and life assurance needs I found Ian very responsive and proactive at every stage.”

  • Seamus & Siobhán Dublin

    “Paul Merriman is someone who delivers expert advice when it comes to money management – he certainly turned our life around. He’s someone we would trust and highly recommend.”

  • Jack Simons

    “Ian offers a highly professional and excellent service. The team has always been helpful in providing a quick turnaround across many different requests and I am left confident that my financial affairs are in great hands.”

  • Philip, Co. Dublin

    "I have always found Pax Asset Management excellent and very professional to deal with. They are very knowledgeable and took the time to explain and to help me understand my financial needs and devise the most suitable policies for me. They provided with me with excellent financial advice and services and still do to this day, would highly recommended."

  • Colm and Avril, Co. Wicklow

    "Pax offers a highly professional and excellent service. The team has always been helpful in providing a quick turnaround across many different requests and I am left confident that my financial affairs are in great hands."

  • Colm, Dublin 18

    "The ability to meet with a financial adviser face to face offered me great peace of mind. From initial contact whilst setting up my pension to advising on mortgage and life assurance needs, I found the team very responsive and proactive at every stage. Pax have always looked after everything and had my policies set up in a matter of days. I would gladly recommend Conor Byrne or any of the Pax team to my colleagues, friends or family."

  • DK, Company Director, Foxrock, Dublin

    “I have been receiving advice from Pax since 2010 and have always found Paul very well-informed and up-to-date on all aspects of pensions and investments and his experience has assisted me in all facets of my personal finances, for which I am very grateful. He is an honourable and principled individual and I respect his integrity and have no hesitation in recommending him.”

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