Our advisors are here to guide you no pressure, just honest advice.

Pension Advice

Ireland

Expert, independent pension guidance to help you build a financially secure retirement whatever stage of life you’re at.

Why Pension Planning Matters

One of the most important financial decisions you'll ever make

Planning for retirement is one of the most critical financial steps you can take. With people living longer and healthier lives, having a strong pension ensures you can maintain the lifestyle you’ve worked hard for when you stop working.

The state pension alone may not be enough building your own pension fund gives you greater financial freedom, genuine peace of mind, and access to valuable tax advantages along 

“The earlier you start, the more your pension grows. Even small contributions made today can make a significant difference to your retirement income tomorrow.”

Who We Help

Pension Advice for Every Situation

No matter where you are in your career or financial journey, we’ll guide you to the right solution.

Self-Employed & Business Owners

Without an employer pension scheme, taking control of your own retirement planning is essential. We help you build the most tax-efficient structure for your circumstances.

Employees Reviewing Their Pension

Already part of a company pension scheme? We’ll review your existing contributions, fund choices, and options to ensure you’re maximising what you have.

Growing Beyond the State Pension

Relying on the state pension alone leaves many people short in retirement. We help you build additional income streams that keep your standard of living intact.

Pension Types

Choosing the Right Pension for You

Occupational Pension Schemes

Employer-sponsored schemes where both you and your employer contribute. Often the most cost-effective option for employees, with significant tax relief on contributions.

Personal Retirement Savings Accounts (PRSA)

A flexible, portable pension account available to anyone employed, self-employed, or not working. Contributions attract full tax relief at your marginal rate.

Retirement Annuity Contracts (RAC)

Designed for the self-employed and those without occupational schemes. RACs offer flexible contribution levels with tax relief and a range of fund investment choices.

What is Income Protection?

Why Start a Pension Today?

Tailored specifically to your personal needs, income level, and occupation giving you full control over your cover.

Create a reliable income stream that supports you throughout retirement.

Ensure your standard of living doesn’t drop when you stop working.

Pension contributions qualify for tax relief at your marginal rate up to 40%.

Supplement the state pension with a personal fund built on your terms.

40%

Tax relief on contributions

€13k

Max annual state pension

25%

Tax-free lump sum at retirement

Options for Pension Advice in Ireland

You might be self-employed, an entrepreneur or a businessperson looking to set up a pension fund for your retirement. Equally, you might be an employee seeking to join your company’s pension scheme. Whatever your personal circumstances, our pension advisors offer the best advice for retiring in Ireland.

Easy Life Cover’s pension advisory service can assist you with planning your pension to source additional income outside of the state pension during your retirement.

Example of additional types of pensions include:

1. An occupational pension scheme.
2. A personal retirement savings account.
3. A retirement annuity contract.

Our pension advisors are extremely knowledgeable about the options available to you. This includes advice on the benefits of each pension option and what might be suitable for your individual circumstances. We even offer advice on pensions that are tax approved by the Revenue Commissioners, an advantage that can lead to a possible tax-free lump sum upon retirement or tax relief on your contributions (depending on the particulars of your individual situation and chosen pension option).

Starting a pension today means that when you reach pension age, you will have a fund built up to supplement your state pension. Every year, we pay out more pension benefits to more people across Ireland than anyone else, apart from the State. Whether you’re a businessperson looking to set up a pension fund for your retirement, or an employee seeking to join your company pension scheme, we hope this guide helps.

Why Easy Life Cover

Independent Pension Advice You Can Trust

Independent Expert Advice

We work for you not pension providers ensuring every recommendation is genuinely in your best interest.

Tailored Plans for Your Goals

We build a pension strategy around your income, lifestyle goals, and retirement timeline.

Clear, Jargon-Free Guidance

We explain everything in plain English no confusing financial jargon, just honest and clear advice.

Support From Start to Retirement

Our advisors are with you for the long term reviewing and adjusting your plan as your life evolves.

Get Your Free Income Protection Quote

Speak with an expert today free, no-obligation advice and a personalised quote.

Testimonials

Real Families. Real Peace of Mind.

Comprehensive protection for every stage of life, tailored to your needs.

Eamonn and Sarah are excellent

Eamonn and Sarah are excellent to deal with. I have to say that they go above and beyond to help with any issues, no matter how small. I’d recommend them to anyone without hesitation.

Ray McHugh

Went through easylifecover

Went through easylifecover for my mortgage and they were great! Best price and so easy to deal with. Highly recommend!!

Dee Kinsella

Eamonn and Sarah are excellent

Having being diagnosed with Invasive Breast Cancer in 2016 my greatest worry on top of making a recovery was how we would manage financially while I was in treatment.

Tara from Waterford