When to seek Financial Advice

Seek financial advice whenever you need clarity, guidance, or aim to maximize your money’s potential.

Achieving your goals depends on the quality and efficiency of your financial plan.

Let our award-winning advisors take care of it for you.

Financial Planning vs. Stages of Life

Financial planning is a journey that evolves with every stage of life. From the vibrant energy of your 20s to the reflective wisdom of your 60s and beyond, each decade brings its own financial challenges and opportunities. Understanding how to navigate these changes is crucial for securing a comfortable and prosperous future. 

LowQuotes.ie
4.9
Based on 1545 reviews
Emma Mc E.
Emma Mc E.
Excellent service very professional and super friendly highly recommend Alan goes over and beyond for his customers
Response from the owner: Hey Emma,We’re delighted to hear about your positive experience with Alan. It’s great to know he went above and beyond to assist you and make the process smooth and friendly. We always aim to provide excellent service with a personal touch, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Tracy D.
Tracy D.
Fast and easy process
Response from the owner: Hey Tracy,We’re delighted to hear that you found the process fast and easy! Our goal is to make everything as straightforward and stress-free as possible, so it’s great to know we delivered on that.If you ever need any further assistance or have questions down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team
Ita F.
Ita F.
Would highly recommend. Rebecca put us at so much ease and was prompt in getting back to us with any questions we had.
Response from the owner: Hey Ita,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to put you at ease and respond promptly to your questions. We aim to make the process as smooth and reassuring as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Kumar D.
Kumar D.
Great service, LowQuotes Team is super supportive and special mention to Cormac Logue helping me with entire product explanation and which helped to go for correct/suitable product as per our current requirement.
Response from the owner: Hi Kumar,Thank you so much for your kind words and 5-star review! We're delighted to hear that you had a great experience with the LowQuotes team, and we’ll be sure to pass your special thanks on to Cormac. He’ll be thrilled to know his support and product explanation helped you find the right fit for your needs.If you ever need anything else or have more questions in the future, we're always here to help.Warm regards,LowQuotes Team
Adrian T.
Adrian T.
I had a great experience with LowQuotes, and I’d like to give special thanks to Cormac Logue for making the mortgage protection process smooth and stress-free.His professionalism, responsiveness, and efficiency really stood out. Everything was handled quickly and clearly — I couldn’t have asked for better support.Highly recommend!
Response from the owner: Hi Adrian,Thank you so much for the wonderful review and recommendation!We’re thrilled to hear you had such a positive experience with us, and we’ll be sure to pass your kind words on to Cormac. His dedication to making the process smooth and stress-free truly reflects what we aim to deliver at LowQuotes.We’re always here if you need anything in the future!Warm regards,LowQuotes Team
Roxanne S.
Roxanne S.
Great service, quick response, was very helpful in picking health insurance
Response from the owner: Hey Roxanne,We’re delighted to hear about your positive experience with our team. It’s great to know we could help you find the right health insurance and make the process quick and straightforward. We always aim to simplify the journey and ensure you get the best cover for your needs.If you ever need any further assistance or have questions in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Aisling M.
Aisling M.
Bernadine was consistently supportive throughout the whole journey applying for our mortgage. Even when it got stressful for us, Bernadine kept us grounded and on track.
Response from the owner: Hey Aisling,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to support you throughout your mortgage journey and help keep things on track, even during the stressful moments. We always aim to make the process as smooth and reassuring as possible, so your feedback means a lot to us!If you have any questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team
Victor A.
Victor A.
I had an excellent experience with Low.ie. Maik who helped me was phenomenal, incredibly patient, friendly, and very helpful throughout the entire process. Maik took the time to explain everything clearly and made sure my wife and I got the best possible offer for life and illness insurance ⭐️ ⭐️ ⭐️ ⭐️ ⭐️.
Response from the owner: Hey Victor,We’re delighted to hear about your positive experience with Maik. It’s great to know he was patient, friendly, and thorough in helping you and your wife secure the best offer for your life and illness insurance. We aim to make the process as clear and stress-free as possible, so your feedback really means a lot to us!If you ever need further assistance or have questions down the line, don’t hesitate to reach out.Best regards,LowQuotes Team
Claire M.
Claire M.
Cormac was brilliant — friendly, patient, and really knew his stuff. Made sorting my life and assurance policy so much easier. Highly recommend!
Response from the owner: Hey Claire,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain everything clearly and make the process of setting up your Life and Assurance policy so straightforward. We always aim to make things as simple and stress-free as possible, so your feedback means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Conor
Conor
Low quotes were fierce helpfully in sorting out a policy, the agent I dealt with Alan was thorough and helpfully would recommend
Response from the owner: Hey Conor,We’re delighted to hear about your positive experience with Alan. It’s great to know he was thorough and helpful in getting your policy sorted. We always aim to make the process as smooth and straightforward as possible, so your recommendation really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Brian H.
Brian H.
Cormac who I dealt with was so helpful, friendly and if he didnt know the answer he went off and found out and actaully rang me back, which is very unusal from any customer swrvice in this day and age. All very effcient and everything was explained very clearly
Response from the owner: Hey Brian,We’re delighted to hear about your positive experience with Cormac. It’s great to know he went the extra mile to find the answers you needed and followed up personally. That’s exactly the level of service we aim to deliver. We’re also glad everything was explained clearly and efficiently for you.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Helena D.
Helena D.
Very helpful explained everything really well
Response from the owner: Hey Helena,We’re delighted to hear about your positive experience with our team. It’s great to know everything was explained clearly and that you found the process helpful. We always aim to make things as simple and easy to understand as possible!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sarah D.
Sarah D.
Seamus is one in a million, he went way above and beyond to help us we struggled with getting mortgage protection and he put both of us at ease every time we got anxious his bubbley personality, humour and honesty made our journey a joy ,thank you again Seamus your amazing at your job 🎉🙏
Response from the owner: Hey Sarah,We’re absolutely delighted to hear about your experience with Seamus! It’s wonderful to know he went above and beyond to support you through the mortgage protection process and made the journey easier with his honesty and great energy. We’re lucky to have him on our team!If you ever need assistance again or have any questions down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team
Geraldine M.
Geraldine M.
Thanks Aoife for taking the time and advice of best policy to take out
Response from the owner: Hey Geraldine,We’re delighted to hear about your positive experience with Aoife. It’s great to know she took the time to guide you and help you choose the best policy for your needs. Providing clear and tailored advice is exactly what we aim for!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
J M
J M
I had the pleasure of dealing with Alan Broderick who supported me with finding the best rates for my few policies and plans and I even ended up switching. Not only was this guy professional, he was also very easy going, empathic, and just had a very good understanding of how to support me with the best advice and products for my hard earned little money. This is rare in today's world of ever rising costs! And despite my annoying phone calls and never ending questions, he still remained patient and helpful.If you're looking for an advisor who is driven and knows his stuff, then look no further. I would highly recommend this gem. Thank you Alan for all your help.Joyce M - Dublin
Response from the owner: Hey Joyce,We’re thrilled to hear about your experience with Alan! It’s fantastic to know he provided such professional and empathetic support while helping you find the best options for your policies. His patience and dedication truly make a difference, and we’ll be sure to pass along your kind words to him.We really appreciate you taking the time to share your feedback and recommendation. It means a lot to us.Best Regards,LowQuotes Team
isobel lawlor (.
isobel lawlor (.
We found Colin to be friendly, easy to deal with and very imformative.He explained every thing clearly and made sure we went with a policy that suited our needs.Would highly recommend
Response from the owner: Hey Isobel,We’re so glad to hear you had such a great experience with Colin. It’s wonderful to know he explained everything clearly and helped you find the policy that best suited your needs. Providing friendly and informative service is what we aim for, so your feedback means a lot.Thank you for your recommendation, we’ll be sure to share your kind words with Colin.Best Regards,LowQuotes Team
Elena A.
Elena A.
As first time buyers,we choose LowQuotes for our mortgage and life insurance and we are very happy that we did ,because from the very begining until the end Aoife Morgan guide and help us to choose the best offer for us .She help us with everything and answear to our questions in a very friendly and profesional way.We highly recomend her to help you on your way.
Response from the owner: Hey Elena,We’re so pleased to hear about your great experience with Aoife! As first-time buyers, we know how important it is to have someone who can guide you through every step, and it’s wonderful to know she made the process smooth and stress-free for you.We’ll be sure to pass along your kind words, she’ll be delighted to hear them! Thank you for recommending us and for trusting LowQuotes with your mortgage and life insurance journey.Best Regards,LowQuotes Team.
Kelley M.
Kelley M.
I highly recommend! Rebecca was fantastic, so kind and easy to talk to. She made the process easy and explained everything to me clearly. It was easy to get in touch when needed and Rebecca was so professional with returning calls etc ! Thank you so much
Response from the owner: Hey Kelley,We’re delighted to hear about your positive experience with Rebecca! It’s great to know she made everything easy to understand and was always available to help when needed. Clear communication and care are exactly what we strive for, so your feedback means a lot.Thanks so much for recommending us. We’ll be sure to pass your kind words along to Rebecca!Best Regards,LowQuotes Team
Debby S.
Debby S.
Rebecca Sharpe was excellent to communicate with. She explained the purpose and process of acquiring life insurance (as part of a mortgage application) so well. She was honest and helpful in answering all my questions. She was very knowledgeable and gave a range of options so I could get the most appropriate package for my personal situation. I would highly recommend her and LowQuotes as a result. Thanks!
Response from the owner: Hey Debby,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she explained everything clearly and helped you find the most suitable life insurance package for your situation. We always aim to make the process as simple and transparent as possible, so your feedback means a lot to us.Thank you for your kind recommendation, we’ll be sure to pass your lovely words on to Rebecca.Best Regards,LowQuotes Team
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Financial Planning In Your 20s: Foundations and Freedom

Life Events: 

  • Graduating college 
  • Entering the workforce 
  • Moving out on your own
  • Buying your first car
  • Budgeting becomes even more crucial as you balance new income with expenses like rent, car payments, and student loans.
  • Building an emergency fund provides a financial safety net for unexpected expenses, such as car repairs or job transitions, offering peace of mind.
  • Investing in a retirement account early takes advantage of compound interest, setting a strong foundation for future financial independence.
  • Insurance planning is essential, and starting young can lead to more affordable premiums. Key policies to consider at this age include life insurance, income protection, and health insurance. 
  • Debt management strategies help efficiently pay off student loans and credit card debt, freeing up more of your income for savings and investments.

Financial Planning In Your 30s: Growth and Commitment

Life Events: 

  • Advancing in your career or starting a business
  • Marrying or establishing long-term partnerships
  • Starting a family 
  • Purchasing your first home
  • Investing in your career through further education or skill development can enhance your earning potential.
  • Family financial planning now includes managing a mortgage, and ensuring you’re prepared for the costs of home ownership, children’s education, and shared life goals.
  • Comprehensive insurance coverage becomes even more important, including home insurance to protect your property, Income protection to safeguard your assets, mortgage protection and life insurance to protect your loved ones.
  • Retirement planning should evolve with your career growth, increasing contributions to reflect rising income.
  • Emergency fund adjustments may be necessary to account for the potential costs associated with home repairs and maintenance on top of your regular mortgage payments.

Boost your Financial Plan with a Protection Package

Gain immediate access to our comprehensive Protection Package Guide, designed to enhance your financial plan and help you achieve your goals. This guide offers vital tips, step-by-step instructions, and essential strategies for securing your financial future. Don’t wait, download now and start building a stronger financial foundation!

Your journey towards financial freedom starts here!

After you download your guide, one of our expert Financial Advisors will be in touch shortly to provide you with guidance and further relevant information to build you a customised financial plan.

The time to start is NOW!

Our award winning team is always here to help you.

Financial Planning In Your 40s: Reflection and Consolidation

Life Events: 

  • Changing Jobs/Careers
  • Raising a family, with the added complexity of teenage years
  • Possibly caring for ageing parents
  • Sending Kids to College
  • Maximising retirement savings by catching up if you’re behind or maximising contributions as your income peaks.
  • College savings plans for children become a priority, alongside navigating the financial aspects of elder care.
  • Debt reduction, focusing on eliminating high-interest debt and possibly mortgage debt, to free up resources for other goals.
  • You are investing more in your personal health and adjusting your insurance to protect against unexpected health expenses that can impact finances.
  • Reviewing and updating estate plans and wills to ensure financial affairs are in order and aligned with current life circumstances.

Financial Planning In Your 50s: Preparing for the Next Chapter

Life Events: 

  • Children leaving home
  • Preparing for retirement
  • Reflecting on life achievements and planning for the future
  • Downsizing or remortgaging to better align with retirement goals and financial comfort
  • Buying investment property as a means to diversify income streams in retirement
  • Focusing on investments to secure and grow wealth as retirement approaches
  • Retirement planning shifts towards fine-tuning savings and investment strategies for imminent retirement.
  • Healthcare planning gains importance, considering long-term care insurance and healthcare costs in retirement.
  • Estate planning becomes a priority to ensure your legacy and wishes are clearly articulated, including plans for any investment properties.
  • Debt management may involve strategic decisions about downsizing to a smaller home or remortgaging to reduce monthly expenses or tap into home equity for retirement funding.
  • Diversifying income through the purchase of investment property can provide additional revenue streams in retirement, but requires careful financial planning to manage the associated risks and responsibilities.
  • Investment review and adjustment are key to ensuring your portfolio is appropriately balanced between growth and risk, especially as you move closer to retirement.

In Your 60s and Beyond: Enjoyment and Legacy

Life Events: 

  • Retiring from full-time work
  • Enjoying hobbies, travel, and leisure activities
  • Volunteering and mentoring, passing on wisdom
  • Income management in retirement involves strategic withdrawal from retirement accounts, optimizing social security benefits, and managing taxes.
  • Healthcare management is critical, with a focus on Medicare, supplemental insurance, and managing healthcare costs.
  • Legacy and estate management focuses on ensuring your financial legacy is secure and aligned with your wishes, including charitable giving and inheritance planning.

Meet our Team of Expert Advisors

Would you like to speak to an advisor?

Our award winning team is always here to help you,.

Why choose LowQuotes.ie as your financial partner?

Choose us as your financial partner and enjoy the best options the market has to offer.

We work with every lender and provider out there to make sure you get top-notch financial solutions. Our team includes award-winning experts with over 35 years of experience, and we’re proud of our 1,000+ five-star Google reviews. Our advanced software helps us create personalized plans that fit your unique situation perfectly.

Our goal is simple: to go beyond what you expect and build lasting relationships. We value clear communication, honesty, and integrity, always putting your needs first to help you on your journey to financial freedom.

Your Questions Answered

Think of a financial plan as your GPS in the world of money. Whether you’re saving for a car, planning a big trip, or just wanting to manage your bills better, having a plan helps you get where you want to go without unnecessary detours.

The best time to start was yesterday, and the second-best time is now! It’s never too early or too late to get your finances in order. Starting young gives you a fantastic head start, but making a plan at any age can help improve your financial well-being.

You can definitely start on your own by setting goals and budgeting. However, chatting with one of our financial advisors can be a game-changer for more complex things like investments, retirement planning, or tax strategies. We can offer tailored advice and insights you might not have considered.

Life changes, and so should your financial plan. A good rule of thumb is to give it a once-over annually or after significant life events (think marriage, baby, new job). This way, you can adjust your plan to stay on track with your goals.

A financial plan considers the big picture. It covers income, expenses, savings, investments, debt management, insurance needs, retirement planning, and any other financial goals. Think of it as a comprehensive roadmap for your financial future.

Got more questions? Don’t hesitate to reach out to us for tailored financial advice. 

We’re proud to have been featured in Ireland’s leading media outlets, sharing insights on insurance, mortgages, and financial planning.

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Career at LowQuotes

Here at LowQuotes, we want to ensure that our clients receive the highest standard of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, dedication and excellence, please send us your CV below. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.