Life Cover And Pensions

Protect your financial future with clear, concise advice.

With almost 30 years experience providing life and illness cover, as well as pension products and sound savings and investment advice to our customers, you will know that your financial future is in the hands of those you can trust with ERM Financial Services.


Safeguarding your future financial security.


Pension Advice

Secure Your Retirement With A Comprehensive Pension Plan.

Start Your Pension

Navigate The Complexity Of Pension Planning With Ease And Confidence.

Review Your Pension

Ensure Your Pension Is On Track With A Comprehensive Pension Review.

Auto Enrolment

Auto enrolment is a new retirement savings system set to be introduced in January 2025. Get ahead of it with pension specialists at ERM Financial services.

Transfer Your UK Pension

Simplify The Transfer of Your Pension From The UK.

Personal Pension Plans

Your Retirement Plan Should Be As Unique As You Are.


Ensure Your Pension Contributions Continue To Grow Throughout Change.

Retirement Planning

Secure your retirement with expert planning.

Retirement Planning

Navigate The Complexities Of Retirement Planning With Confidence and Ease.

Retirement Review

Get A Detailed Assessment And A Roadmap For Retirement.

Personal Pensions

Personal Pension Plans That Align With Your Lifestyle And Future Goals.

Paid Up Pensions

Ensure Dormant Funds Are Still Working Hard For Your Retirement.

AVCs and Last Minute AVCs

Supplement Your Pension & Enjoy More Substantial Benefits At Retirement.

Personal Retirement Bonds

Consolidate Pension Benefits From Previous Employers Into A Single Plan.

Protection & Cover

Clear, concise advice on your life insurance.


Life Cover/ Life Insurance

Safeguard Your Family’s Future With Clear, Concise Advice On Your Life Insurance.

Mortgage Protection

Secure Your Home’s Future With Mortgage Protection From ERM Financial Services.

Income Protection

Secure Replacement Income In The Event Of Illness or Injury.

Serious Illness Cover

Get A Tax Free Lump Sum Payout In The Event of a Serious Illness.

Savings and Investments

Tailored savings and investment plans to meet your financial needs.

Savings & Investments

Tailored savings and investment plans to meet your needs. Start planning today!

Wealth Management

Maximise Your Wealth Potential With Tailored Solutions for Higher-Earners.

Children’s Savings Plan

Secure Your Child’s Future and Provide The Best Opportunities in Life.

Employers Liability Insurance - ERM Financial Services

Why choose ERM Financial Services for Your Life Cover & Pension?

Service, expertise, advice and competitive quotes that you can rely on, since 1993.

  • Almost 30 Years In Business
  • Tailored Products To Suit Your Circumstances
  • Competitively Priced
  • Dedicated Account Manager
  • Over 100 Years Experience
  • Excellent Customer Service

Life & Pensions

Take the first steps towards safeguarding your financial security.

Elaine Byrne QFA FLIA RPA

Elaine Byrne QFA FLIA RPA

Operations Manager of Life and Pensions

Over the past 30 years Elaine has worked in all areas of financial services including underwriting, pension planning, self-directed pensions, retirement planning, savings and investments, including property investment. 

Elaine is passionate about each and every one of her clients and she prides herself on giving them the best advice suited to their particular needs. In addition to advising clients’ Elaine will also be responsible for the day to day management of the life and pensions division at ERM.

01 845 8658

Get Started

Contact Elaine Byrne today and she will be more than happy to answer any questions you may have.