The Talk To O’Malley Blog

Straightforward advice on life insurance, business protection and financial planning.

Whether you’re protecting your family, your business or planning for the future, you’ll find practical guides, answers to common questions and expert insights to help you make informed financial decisions with confidence.

The FCA Says Millions Have No Protection. Is Your Business One of Them?

Published on: 06/10/2026

The FCA says 58% of adults have no life insurance, critical illness cover or income protection. Here’s what the protection gap could mean for business owners and the risks worth reviewing.

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The FCA Says Millions Have No Protection. Is Your Business One of Them?

Critical Illness Cover: What It Actually Pays Out For

Published on: 29/09/2026

Critical illness cover pays a lump sum on diagnosis of a serious illness, but only under specific conditions. Here's what's actually covered, and what isn't.

Family protection insuranceFamily income BenefitLife Insurance for familiesProtecting your family financially
Critical Illness Cover: What It Actually Pays Out For

Family Protection Insurance: What It Is and Why It Matters

Published on: 22/09/2026

What is family protection insurance and how much do you actually need? A straightforward guide to protecting your family's income, home, and future.

Family protection insuranceFamily income BenefitLife Insurance for familiesProtecting your family financially
Family Protection Insurance: What It Is and Why It Matters

Mortgage Protection Insurance: Do You Really Need It?

Published on: 15/09/2026

Wondering if you need mortgage protection insurance? Learn how it works, what it costs, and how to make sure your family keeps their home if the worst happens.

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Mortgage Protection Insurance: Do You Really Need It?

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Talk to O'Malley Financial Services is a Trading Style of Commercial Connect Limited FCA Number 1021324 who are an Appointed Representative of Mortgage Connect (N.I) Ltd who authorised and regulated by the Financial Conduct Authority. FCA Number 915845, Registered in Northern Ireland no: NI637316. Registered address: Unit 10 Galgorm Court, Galgorm, Ballymena, Co. Antrim, BT42 1HW.

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