Independent Life Insurance Advisors
Navigating life insurance options with clarity and care.
Life Insurance Tailored to You by Trusted Advisors
Possessing foresight doesn’t mean having the ability to predict the future, it means having the ability to decide it. One such way you can decide on a more comfortable future is by taking out a Life Insurance policy with an experienced, independent financial advisor like GSB Capital.
Life Insurance is integral to long-term financial security. It protects you, your income and your family and can be aligned with your situation when you speak with the right Life Insurance advisor. Life Insurance also provides peace of mind that lets you get on with living life, with the right policy ensuring that, should anything happen to you, your loved ones are protected financially.
Find the best Life Insurance policy for you by working with the experienced team at GSB Capital, which includes advisors fully qualified in the UK and Ireland, and members of the Chartered Institute for Securities & Investment (CISI) and the Life Insurance Association (LIA).
Exploring Your Life Insurance Options
Choosing the right type of Life Insurance is essential to ensuring your policy aligns with your needs, goals and lifestyle. The expert team at GSB Capital Ireland will guide you through all available Life Insurance options and help you make a confident, informed decision.
Term Life Insurance
Term Life Insurance guarantees a lump sum payment if the policyholder dies within a set period, i.e., the ‘term’. Useful for those with dependants, the main benefit of this policy is that it provides financial security for your loved ones should anything happen to you.
Whole of Life Insurance
A Whole of Life Insurance policy provides cover for your whole life and has no fixed term. Great for those seeking long-term financial security for their families, it covers you for life and beneficiaries will receive a lump sum payment upon your death. Whole of Life Insurance also generates a cash value that can be withdrawn under certain conditions.
Mortgage Protection
This is required when buying a property as you can’t draw down a mortgage without it. Designed to help pay off the reminder of your mortgage upon your death, Mortgage Protection will act as a safety net for dependants such as a spouse or child.
Serious Illness Cover
Serious Illness Cover provides a tax-free lump sum if you’re diagnosed with an illness or disability that has been stipulated in your policy. A common add-on to policies like Term Life and Whole of Life Insurance, Serious Illness Cover is for single and married people alike, as well as those without existing cover for ill health.
Income Protection
Income Protection pays out a regular income in the event you cannot work due to illness, injury or a disability. Similar to a wage, this type of cover is for those who are either in full-time employment or self-employed. Income Protection does not cover redundancy.
Tailored Solutions for Individual Needs
At GSB Capital, we know that no two lives are identical, so why should Life Insurance be any different?
By tailoring a plan to your needs, we can provide the best Life Insurance cover for you. When building out this plan, our advisors will account for your personal, family and business needs. Not only that, but because we know your circumstances can change, we conduct reviews over time and will make adjustments where necessary. Everything is done to ensure you continue to have the best Whole of Life or Term Life Insurance cover. After all, GSB Ireland is built on a simple belief that everyone should gain from good financial investment.
Whether you’re a single individual looking for Life Insurance that covers a specific term, or a spouse wanting to protect their dependants’ financial security, our highly qualified, experienced advisors are here to help.
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Trusted Expertise
Meet the Experts Behind Your Financial Future
Senior Financial Advisor
Sam is a Qualified Financial Advisor with an MSc in Finance and membership in the Institute of Bankers. He uses retail banking and risk expertise to create strategies aligned with GSB’s values and evolving market trends.
Senior Financial Advisor
Shaunna is a Certified Financial Adviser in Ireland and an LIA member. She creates tailored strategies for clients worldwide, embracing innovation and staying current with trends, reflecting her commitment to clients.
Senior Financial Advisor
Ben is a Financial Accountant and fully qualified International Financial Planner. With experience in Banking and Wealth Management, he helps clients navigate all areas of financial planning.
Strategic Life Insurance for Estate and Wealth Planning
Life Insurance doesn’t need to be just another thing you pay for on a monthly basis, like a utility bill. It can be paired with wider goals to help you achieve more in life.
One such way GSB Capital helps its high-net-worth clients fully benefit from Life Insurance is through estate planning. This involves handling guardianship and powers of attorney while you’re alive and managing and distributing your assets after death.
For instance, our qualified, experienced financial planners may utilise something called Section 72 for inheritance tax planning. A Section 72 insurance policy covers any potential Capital Acquisitions Tax (CAT) your beneficiaries may face upon your passing, meaning, for example, their inheritance will be tax-free.
This is the type of strategic advice GSB Capital provides. Free from sales jargon, we will always endeavour to do our best in terms of your wealth management. That’s why clients trust the advisors here at GSB Capital, as our experience and in-depth knowledge allow us to provide strategic, personalised Life Insurance advice that truly makes a difference.
Life Insurance FAQs
Term Life Insurance refers to a policy taken out for a specific period of time, e.g., 10 years. A sum is only paid out if you die during the term of the policy. On the other hand, a Whole of Life Insurance policy doesn’t have a fixed term. So, as it covers you for life, the lump sum payment will be paid whenever you pass away. Whole of Life Insurance also has a savings aspect to it as it generates a cash value that can be withdrawn under certain conditions.
Every person’s situation will be different to another’s, so when you’re assessing how much life cover you really need, remember to stick to your circumstances. With that in mind, consider your wage and how much you will be able to afford. Be realistic so that you don’t put yourself under unnecessary pressure. Also consider what costs would no longer apply for your family and any outstanding debts you or your family may have.
Yes, you can change your Life Insurance policy if your situation changes. In fact, it’s better to review your policy from time to time as there may be aspects you want to change. For example, people tend to change their policies when they get a new job, have a child, etc. Changing your policy doesn’t have to be troublesome, either, as GSB Capital is always on hand to provide expert guidance.
Life Insurance plays an important part in any person’s financial plan. In fact, it should be the foundation upon which all else is built. That’s because having Life Insurance provides a safety net for the likes of your income, future earnings and, most importantly, your family.
For Life Insurance quotes that fit into your financial plan, contact GSB Capital today.
What Truly Sets Us Apart
We’re client-centric
We pride ourselves on creating deep connections with our clients by investing as much time as necessary to get to know you and understand your needs. At GSB Ireland, we believe that the only way to help you achieve your financial goals is by fostering a long-term relationship.
We’re conscientious
We take a holistic approach to investment. We support you every step of the way by planning and executing purpose-led long-term investment strategies ⏤ helping you navigate times of uncertainty and challenging market conditions to achieve lasting financial success.
We’re committed
We’re passionate about what we do and deliver market-leading, sustainable returns. We’re disrupting financial services by combining cost-effective, passive strategy with an unhindered commitment to environmental, social and governance (ESG) principles. We invest well by doing good.
Testimonials
Our clients’ success stories speak for themselves. See how our expert wealth management services have helped individuals and families achieve their financial goals with confidence.