Getting the cheapest life insurance in Ireland shouldn’t just be about comparing prices; you should be comparing what you get for that price. You should be comparing discounts applied. Are there any hidden charges or “*” besides offers or discounts?
Life Insurance Comparison Tips
The top Life Insurance brokers in Ireland will provide you with rock-bottom prices on every product from all providers, but you need to take certain other variables into account, such as:
- Do they give you any additional free vouchers or means to win vouchers if you’re an existing customer?
- Do you get anything else with your policy, such as a retirement planning kit?
- Does their discount apply for the entire term of the Life Insurance policy?
You should be looking out for at LEAST a 20% discount against the market values.
Do you really WANT the cheapest life insurance in Ireland?
You need to think to yourself, is the cheapest life insurance what your family deserves? Fair enough, we all shop around for the cheapest car insurance because it only serves one purpose: to pay out if you have an accident.
A lot of people think of Life Insurance as the same; They want it to pay out a certain amount when they die. And that’s all they expect as it’s all they know about it. But there is so much more to it.
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What else is there to it?
Serious Illness Cover would definitely be the first option most people should be considering. Serious Illness Cover pays out an agreed amount to your family in the event you are diagnosed with a specified serious illness. It comes in two types: Accelerated and Standalone. Accelerated means that the amount of Illness Cover you choose will be deducted from your Life Cover amount. In the event of death, the remainder will be paid out. Standalone means that both cover amounts payout in their own right.
Choosing your provider wisely
Your next task. We at lowquotes.ie will guide you to the provider that suits you. Certain providers offer special services free of charge. Such as:
Helping Hand from Royal London – A support service for families in the event of serious illness, chronic health conditions, disabilities and grievance by providing:
- Bereavement counsellors
- Speech and language therapists
- Second Medical Opinions
- Therapy
- Massage & Physiotherapy for Serious health conditions
Aviva Family Care & Best DoctorsÂ
Family Care provides short term counselling and carer support covering any family member over the age of 18. It helps with mental wellness issues, relationship breakdowns, work related stress or the challenges of becoming a carer.
Aviva Best Doctors provides a worldwide network of over 50,000 medical specialists available if you ever require a second medical opinion to help verify your diagnosis and treatment options. This can reduce the risk of any complications that arise from a misdiagnosis. This isn’t just for life threatening illnesses, you can get advice for any chronic or troubling ailments that directly affect your quality of life. Even if the condition was diagnosed before you took out your Aviva policy.
Royal London also offers your first month’s premiums free.
There are many other valuable options from every provider, but often the cheapest quote doesn’t come with these options, so it’s always important to ask, “What extra features come with my Life insurance?”
Compare all providers and get covered in under 10 minutes!
What do LowQuotes offer?
We automatically discount our online prices with discounts that aren’t even available to other brokers. Another common mistake is assuming if you ring the provider directly that you’ll get a cheaper quote. Or that we charge you fees. We have no minimum level of cover required on Life Insurance, compare all 5 leading life insurance providers.
If your policy is over €30, You get a €30 One4All Voucher. If you refer a friend to us and they buy a policy over €30 per month, not only do they get a €30 One4All but you get another €30 One4All. You can do this as many times as you like. You will also receive a ‘Free Will Starter Kit’ worth €120 that contains absolutely everything you need to write your own Will & Testament.
Why not give it a try?
There is no charge for our services or advice and absolutely no obligation to proceed. But we promise to beat any competitors quote.
If you want to know the differences between life insurance and mortgage protection, have a look at our article.
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All our content has been written or overseen by a qualified financial advisor. However, you should always seek individual financial advice for your unique circumstances.
