Life Insurance Quote

Life Insurance is a secure investment for your family. Or simply to cover your funeral expenses. We compare every provider in Ireland in minutes.

You insure all the important things in your life. Such as your home, your car and your business, so why not insure your life and protect your family financially if you were to pass away?

Fill in some quick details for an online quote comparison, or speak to one of our Qualified Financial Advisors for more information.

• Level Term Life Insurance provides a tax free lump sum payment to your family in the event of your death. This is the most popular form of life cover.
   
  Level Term Cover provides a fixed benefit & premium over a specified term. The cost and sum remain the same for the term of the policy.
   
  If there is no pay out during the term, the policy ceases.  Although there is no cash-in value and only pays out on death of the individual during the term.. It provides peace of mind to you and your family that you are both financially safe during your term. (Max age 91)
   
  With this policy, you can guarantee your loved ones receive the selected sum when you die. This will help to maintain their current standard of living, should the worst ever happen.

• Like Level Term, this provides a tax free lump sum payment to your family in the event of your death. The benefit and premium will still remain the same throughout the chosen term of cover.
   
  A convertible option allows you to continue your policy after your term ends, for another specified term. Or to change it to a Whole of Life policy, both without having to provide further medical evidence from your GP.
   
  This is very advantageous, if your health deteriorated over the initial term. Because the availability of continued cover is still guaranteed. Convertible term’s cost compared with Level Term is very little for what it provides. (about 5-10%) depending on Age and Smoking status.

Decreasing Term Life Insurance is another name for “Mortgage Protection”. Where the cover amount decreases inline with the amount owed on the Mortgage loan, until it reaches 0. It would always be our advice to take out a “Term Life Insurance” policy instead, as when the Mortgage Loan is paid off.. The life cover remains and pays out to your family in the event of your death.

Serious Illness Cover

• Accelerated Serious Illness: On diagnosis of a specified serious illness, the selected Illness cover amount gets paid. If you subsequently die during the term of the policy, the remainder pays out.

• Standalone Serious Illness: You choose a Life Cover amount and a Serious Illness Cover amount. On diagnosis of a Specified Serious Illness.. the selected Illness cover amount will get paid out. If you then die during the term of the policy – your full Life Cover amount would also get paid out.

Life Insurance Indexation

Features

• Advance Funeral Payment: For claims that get accepted but delayed due to probate. Royal London and Zurich will pay up to €10,000 to cover funeral expenses.

• Guaranteed Insurability: You may wish to increase your cover. This can be up to 50% of the original benefit or €100,000 without underwriting. After certain life events such as getting married or having a baby.

• Helping Hand Service: A Royal London only service. It supports families through difficult family circumstances. Such as: Serious illness. Chronic health conditions. Disabilities and Grievance by providing bereavement counsellors. Speech and language therapists. Second medical opinions. Therapy, massage and physiotherapy for Serious health issues.

• Aviva Family Care: Short term counselling and carer support covering any family member over 18. It helps with: Mental wellness issues. Relationsip breakdowns. Work related stress or the challenges of becoming a carer.

• Aviva Best Doctors: A network of over 50,000 medical specialists at your disposal. If you ever need a second medical opinion to help verify your diagnosis or treatment options. This can reduce the risk of any complications that arise from a misdiagnosis. This isn’t only for life threatening illnesses. You can get advice for any chronic or troubling ailments that affect your quality of life. Even if the condition was diagnosed before you took out your Aviva policy.

Extra Cover Options

• Children’s Life Insurance: A lump sum benefit paid out on the passing of a child.

• Accidental Death: Pays out even if your selected insurer is processing your application. Where the cause of death is an accident.

• Terminal Illness Cover: If you get diagnosed with a terminal illness, your cover amount will be paid out immediately.

Royal London’s Helping Hand gives you one to one Personal Support from Royal London.

This free extra includes:

• Providing bereavement counsellors, speech therapists, face to face medical opinions, therapies, massages, physiotherapy for serious health issues
• Cardiac rehabilitation support
• Support for coping with cancer
• Family support for the loss of a loved one

Aviva Best Doctors is a second medical opinion is also available from Aviva for your Income Protection. This free extra includes:

• A comprehensive professional review of your diagnosis/injury/treatment without you having to leave home.
• Access to information from highly qualified specialists.
• A personal Best Doctors Nurse care manager – Who will collate information about your condition to specialists, and inform you of any updates.

Single Life Cover

Dual Life Cover

Joint Life Cover