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Best deals for mortgage protection. I recommend "low quotes". Time saver as there wont be any queue/call waiting if you want to talk to them. It is a direct phone which rings and they answer straight away. Talking to Alison was really great to deal with. Money saver compared to other insurance providers.
Uday Bashaboina
Uday Bashaboina
Found Low Quotes very easy to deal with, very informative and communication regarding every aspect excellent especially staff member Michael.
Trisha Fallon
Trisha Fallon
I reached out to in relation to securing mortgage protection. I spoke with one of their financial advisors - Colin Bailey who was incredibly helpful, insightful and transparent. I'm not well versed on these things and he took the time to explain everything in detail and ensure I was comfortable moving forward. Thank you Colin! I'd highly recommend
Jack Coldrick
Jack Coldrick
Very happy with my policy through lowquotes...was dealing with Dylan who was very helpful in every aspect and went up and beyond to help me out and get the best policy possible to suit me...will definitely be recommending family and friends to deal with Dylan.Thanks again for all your help Dylan your a great asset to lowquotes 🙂
norman murray
norman murray
In a generation where trust and loyalty isn’t everyone’s first priority. I have never felt more looked after in regards to insurance advisory and future planning than in the very capable hands of Mr Dylan Cadwell. A 5 star service from the beginning this is a man who is passionate and driven in giving truly a first class service to all his clients and potential clients no matter what the circumstances or obstructions might be. All I can really say is that if you’re not on board now, it’s time to get the ball rolling before it’s too late, Dylan Cadwell is a true professional who won’t let this opportunity get away.
Cameron Elliott
Cameron Elliott
I recently had the pleasure of working with Dylan, my financial advisor, and I couldn’t be more grateful for his expertise and guidance. He helped me set up a health care plan that perfectly suits my needs and those of my two kids. Dylan’s knowledge and professionalism were evident throughout the process, and he patiently answered all my questions. I highly recommend Dylan for anyone seeking financial advice and assistance. Thank you, Dylan, for your outstanding service!
kevin braney
kevin braney
I would like to thank Richard from lowquotes for helping me find mortgage protection, I was very stressed because I was refused already but Richard made everything stress free and as I work office hours it was no trouble for him to arrange a meeting to suit my needs, everything was done efficiently and smoothly and all email communication was quick, thanks for your help Richard it’s really appreciated
Dealt with Dylan Cadwell , incredible attention to detail and customer service. Unbelievably helpful from the get to and made the process so easy. Will definitely be going back and dealing with this company and with Dylan again.
Cian Reddy
Cian Reddy
Had a really great experience with low quotes. Big shout-out to Richard Westman who was extremely professional and helped us through out mortgage protection process very easily. We didn't have to worry about anything. I would recommend low quotes and go through Richard. Really great guy and extremely helpful.
Sheehan Sinha
Sheehan Sinha
Finally got some great help getting insurance, thanks so much with your help guys and Dylan cadwel you were great over the phone
Aaron Sheehan
Aaron Sheehan
Amazing service provided by Dylan Cadwell! Extremely professional and thorough experience throughout the whole process of implementing my cover! An absolute gem and went over and beyond to get me the best cover! I have recommended Low Quotes/ Dylan Cadwell to all my friends and family! Thank you Dylan for all your help!
Leanne Mullen
Leanne Mullen
Dylan Cadwell was very helpful today couldn’t recommend him any more!
Eoghan Farrell
Eoghan Farrell
Dylan Cadwell was very helpful and thorough in helping me find the best level of cover and protection. His advice and knowledge was fantastic and I am very happy I committed to speaking to low quotes !
Dylan provided outstanding financial advice, and the experience of dealing with him was truly enjoyable. Highly recommend his services!
Luke Byrne
Luke Byrne
I contacted today looking for a professional financial advice and it is safe to say that I received just that. Dylan Cadwell has outdone himself and walked me through every little bit of information that was relevant to my situation and made it very simple and easy to understand. I couldn’t recommend LowQuotes and Dylan more to anyone looking for a financial advise. Thank you!
Marcin Lis
Marcin Lis
Great service particularly from my financial advisor Dylan Cadwell. One of the best in the business
Cody McGrath
Cody McGrath
I would just like to thank the team at low quotes for helping me get the perfect policy in place for me and my family, our financial advisor Dylan Cadwell in particular who tailored a policy to suit out individual needs! The service and wealth of knowledge was next to none! I would highly recommend Dylan and low quotes to anyone!
eimear sherwin
eimear sherwin
We dealt with Colin and he was absolutely brilliant. Everything was explained perfectly and quickly and he made the process of getting our mortgage protection so quick and easy.Would 100% reccommend and ask for Colin!
Very nice people to work with. Would recommend
Adam Holland
Adam Holland
Great service from Colin Bailey who patiently covered all the options and answered all my questions, Mortgage protection cover sorted!
Many of my colleagues advised me to take a Life Insurance Policy. LowQuotes Colin Bailey helped me and my partner understand our needs and is very patient with our queries. Highly recommended.
What a great service and well educated staff highly dedicated to meeting my needs most notably Dylan Cadwell's exceptional attention to detail while providing services was truly commendable.His thoroughness and precision not only instilled confidence but also ensured that every aspect of the financial process was handled meticulously. I highly appreciate his commitment to delivering a service marked by keen attention to detail. His knowledge expands over a wide range of areas and I wish you luck in your future endeavours.Thank you
Mark Reynolds
Mark Reynolds
I recently had the pleasure of engaging with Dylan for insurance and mortgage protection services, and their commitment to outstanding customer service exceeded my expectations!When I reached out to inquire about insurance and mortgage protection options, he demonstrated an unwavering commitment to providing exceptional customer service with personalized attention, clear communication, and expertise.I confidently recommend Dylan to anyone seeking reliable and customer-focused insurance and mortgage protection services. His dedication to providing exceptional customer service truly sets them apart!
Paulo Sousa
Paulo Sousa
I dealt with a lovely man called Richard. He was very accommodating to suit me and my husband with a call back . He got us a great deal . We are very happy with what he helped us pick .
Richard was so helpful and explain the different policy we could go for. He was very patience with questions and gave get advice. Would definitely recommend him. Everything set up in no time and feel much happier now for the future. Thanks again
Fiona Jessup
Fiona Jessup

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Benefits of LowQuotes
Life Insurance

  • €50 Cash back on policies over €30p/m*

  • Free 'Will Kit' worth €120*

  • Compare every provider in 30 seconds

  • Up to 30% discount online

  • We beat any competitors quote

  • Quote, Apply, Sign, Online

  • Cover available in 10 minutes

  • Guaranteed lump sum payment in the event of death

  • Convertible option available, allowing you to continue your policy after it ceases, without a medical

  • Serious Illness Option available that pays out on diagnosis

  • Can be index linked to keep up with inflation

  • Cover available from €2.30 per week

  • Covered up to the age of 91

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Tax free payout on diagnosis of up to 40 critical illnesses.

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Income Protection

Pays you a replacement income if you are unable to work due to illness or injury.

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Life Insurance Information

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.
An insurance plan that lasts for the policy holders lifetime, and is not limited to a specific term. When you die, the policy provides a lump-sum payment to your family / dependents. It could also provide money to cover your funeral expenses. Your policy will also pay out immediately if you get diagnosed with a Terminal Illness.
This policy costs considerably more than Term Life Insurance. Even with convertible option applied to the Term Life Policy.

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

Life insurance doesn’t pay out on diagnosis of a Serious Illness. Unless you add a specified additional cover amount for Serious Illness Cover. This will result in a higher monthly premium.
When adding Serious Illness Cover, you have two options:
  • 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.
Example: If you selected €150,000 Life Cover and €100,000 Serious Illness Cover.. On diagnosis of a Specified Serious Illness – €100,000 pays out on diagnosis, €50,000 paid on death. 
  • 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.
Call us if you require Serious Illness Cover on your policy.

Life Insurance Indexation

Both your benefit and premium will increase annually at a set percentage. This is to protect against the negative impact of inflation on your cover amount. Call us if you require indexation on your policy.


  • 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

Only one person covered by the policy. If the individual dies within the term of the policy.. The cover amount gets paid to the policy holders estate or lender (Whichever selected).

Dual Life Cover

Both people covered equally under this policy. Dual Life Cover is a popular choice as it comes at no extra cost compared to Joint Cover. It pays out on both the first death and second death. Doubling the cover amount selected.

Joint Life Cover

Two people covered under a single policy. Joint Life Cover only pays out on one death.
Example: “Joint Life, First death” will pay out when the first named life dies. Nothing paid when the second person dies. If you currently have a joint cover policy, we strongly suggest you to review your Life Insurance.
It is important to note that most providers of Life insurance cover children for free up to a certain amount.
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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 hope you, your family and your loved ones stay safe & healthy in this time.