Life Insurance Quote

Ensure financial security for your loved ones in the event of unexpected circumstances.

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Katie M.
Seamus was really helpful, professional and we couldn't recommend him enough. Great service.
Claire H.
Claire H.
I was chatting to Shaun today about health insurance, he was very helpful. He brought down my monthly payments significantly and also helped with my house insurance. Delighted with the outcome. Shaun is great at his job.
Nicole M.
Nicole M.
Richard was very helpful and explained everything to me in detail to provide us with the most suitable cover for us.
Rebecca C.
Rebecca C.
Niamh was amazing to work with. She made it so simple for me. I was so panicked about the whole thing and she made it seem like a walk in the park. She got everything done so quickly and I honestly couldn’t thank her enough. Looking forward to working with her again in the future for whenever I need.
Conrad E.
Conrad E.
Very delighted to have obtaiend my life and mortage protection insurance through lowquotes. Process effeciently handled all over the phone. Kudos to Alison Fitzpatrick for the great support with this process.
yvonne R.
yvonne R.
It has been a very good experience made sure to get me best quote and that I was happy and understand everything he said
neil N.
neil N.
Shaun was a true gent, explained the policy options in layman’s terms. Was not pushy at all. I was really happy with the service and have decided to take the policy out with him because of his professional manner on the phone. Would highly recommend.RegardsNeil
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Andrius K.
5 stars..Very professional and really helpful.. got exactly what I asked for. Thank you
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Aoife S.
Richard was a pleasure to deal with at all times. Extremely professional and efficient and we are very happy with our experience with lowquotes.ie.
Prarthana A.
Prarthana A.
It was lovely talking to Richie who was patient enough and very nicely explained the insurance policy.
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Aoibhinn M.
Cannot recommend our mortgage broker Bernadine enough. It’s been a pleasure to deal with her, she has a wealth of knowledge, so informative and prompt with a response to any question. She made sure the entire process ran to completion. I would happily recommend her services to any friends or family.
Dean D.
Dean D.
Very easy process, Colin Bailey was my agent and was a gentleman throughout the process. The best price and cover possible offered and everything explained clearly and concisely, thanks again!
Aisling O.
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Colin was very helpful and friendly.
Kathleen G.
Kathleen G.
Great service quick quote and insurance sorted the same day
Sinead R.
Sinead R.
We got our life insurance through Richard westman. With myself having a complicated medical past, Richard really tried hard to get us the best deal and to work with insurance companies to ensure a positive result. He spent a lot of time on our case and was really professional/ hard working. Highly recommend using Richards services to secure policies . Thanks again Sinead & Shane
Pritam S.
Pritam S.
I recently had the pleasure of working with Richie(Richard Westman), and I must say, the experience was nothing short of wonderful. From the moment I reached out for assistance to the finalisation of my insurance needs, Richie exemplified professionalism, expertise, and genuine care.
Charlotte R.
Charlotte R.
Aideen has been so helpful and I received such a professional service - Thank you. I am happy with my choice and would highly recommend Aideen / LowQuotes.
Danielle Mac L.
Danielle Mac L.
I had a fantastic experience with this company and Séamus Phelan. He was extremely helpful and kind. I couldn't have asked for a better broker. I appreciate all the help.
Bugra K.
Bugra K.
We had the pleasure of working with Richard to secure our mortgage protection, and we couldn't be happier with the experience. Richard went above and beyond to ensure that we not only found the right coverage but also understood every step of the process.His kindness, calm demeanor, and attentive listening skills truly set him apart. Richard was there every step of the way, patiently assisting us and addressing any concerns or questions we had. His dedication to his clients is evident, and it made all the difference for us during what could have been a stressful time.We highly recommend Richard to anyone in need of mortgage protection or any other financial services. Thank you, Richard, for your outstanding service and for making this process a breeze!
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Why is it so important to have Life Insurance?

Life insurance is critically important because it provides financial security and peace of mind for you and your loved ones in the event of your untimely death. Here are several key reasons why having life insurance is essential:

  1. Financial Protection for Your Family: Life insurance ensures that your family can maintain their standard of living without financial hardship if you are no longer there to provide support. It can help cover daily living expenses, mortgage payments, and outstanding debts, preventing financial distress during an already challenging time. Learn more about the benefits of life insurance.

  2. Debt Coverage: Life insurance can be used to pay off debts such as mortgages, car loans, and credit cards, ensuring that these obligations do not become a burden to your family. Read about life insurance and mortgage protection to understand how it helps with debt coverage.

  3. Educational Expenses: It can provide for your children’s education, covering school fees, college tuition, and other educational expenses, ensuring that your children can continue their education uninterrupted. Explore more on financial planning for educational expenses.

  4. Estate Planning: Life insurance can be a key element of estate planning, providing the funds needed to settle estate taxes and other associated costs swiftly. This helps in preserving the value of the estate you pass on to your heirs. 

  5. Income Replacement: If you are the primary breadwinner, life insurance serves as an income replacement, ensuring that your family’s financial needs are met and they can continue to pursue their dreams without financial strain. Find out how insurance can replace your income.

  6. Peace of Mind: Knowing that you have a life insurance policy provides peace of mind that your loved ones will be taken care of financially in your absence. This can relieve stress and allow you to enjoy your life to the fullest, knowing they are protected. Discover how life insurance offers peace of mind.

Overall, life insurance is not just about money; it’s about ensuring ongoing support, security, and peace of mind for those you care about most when you are no longer there to provide for them.

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Your Questions Answered

Life insurance provides invaluable financial protection and peace of mind for individuals and their loved ones. In the event of the policyholder’s passing, life insurance ensures that beneficiaries receive a tax-free lump sum payment, providing financial stability during a difficult time. Additionally, life insurance can help cover funeral expenses, outstanding debts, and ongoing living expenses, relieving loved ones of financial burdens. Beyond basic coverage, LowQuotes offer personalized assistance in finding the right policy tailored to individual needs and budgets. With access to a wide range of insurance providers, LowQuotes can compare multiple policies to secure the most competitive rates and comprehensive coverage options. Moreover, our Award-winning expert Advisors can guide clients through the complexities of policy selection, ensuring they understand their options and make informed decisions. By partnering with LowQuotes, individuals can safeguard their financial future and protect their loved ones with confidence and certainty. Read more about what life insurance is and how it can benefit you. 

Yes, it is possible to get life insurance even after having a serious health issue like a stroke. However, it may affect your premiums and coverage options. Explore how to get life insurance after having a stroke and what factors to consider. Our article on whether cancer is covered under serious illness in Ireland might also be useful for those with specific health concerns.

Whole of Life Insurance: Whole of Life insurance, also known as permanent life insurance, provides lifelong coverage and includes a death benefit along with a savings component known as cash value. This type of insurance remains in force for the insured’s entire life, provided premiums are paid as required. The cash value component grows over time at a guaranteed rate and can be borrowed against or used to pay premiums. Whole of Life insurance is ideal for those seeking consistent coverage with an additional investment element that accumulates value, making it a useful financial planning tool for estate planning or wealth preservation.

Level-Term Life Insurance: Level-Term Life Insurance is a type of term insurance where the premium and death benefit remain constant or “level” for a specific period, typically ranging from 10 to 30 years. This policy does not include any investment components and simply provides a death benefit. It is designed to offer financial protection during a period when the financial burden of losing the insured would be particularly high, such as while raising children or paying off a mortgage. Level-term insurance is popular for its affordability and simplicity, providing substantial coverage at low cost without any cash value accumulation.

Indexation in life insurance is a feature that automatically adjusts the value of the policy’s benefits annually to keep pace with inflation, typically by using a consumer price index or a fixed percentage rate to ensure that the coverage remains sufficient over time. Learn more about Indexation and how inflation can impact your Life Insurance payouts.

Convertible life insurance is a feature typically associated with term life insurance policies that allows the policyholder to convert their term insurance into a permanent life insurance policy without needing to undergo a medical exam or provide further evidence of insurability. This conversion can be done regardless of any changes in the policyholder’s health, occupation, or lifestyle that may have occurred since the initial policy was purchased.

Key aspects of convertible life insurance include:

  1. Flexibility: The option to convert offers flexibility as it allows individuals who may have initially chosen term life insurance for its affordability to switch to a permanent policy that provides lifelong coverage and other benefits, such as cash value accumulation.

  2. Guaranteed Convertibility: The conversion feature is typically guaranteed under the terms of the policy, meaning the insurer cannot refuse the conversion based on the policyholder’s health or other factors. There is usually a specific period or age limit by which the conversion must take place.

  3. No Medical Exam Required: One of the main benefits of convertible life insurance is that the policyholder does not have to undergo a new medical examination for the conversion, which can be crucial for those who have developed medical conditions since the term policy was issued.

  4. Cost and Premiums: Upon conversion, the premiums will generally increase because permanent life insurance covers the insured for their entire life and often includes a savings or investment component. The new premiums are typically based on the policyholder’s age at the time of conversion but use their original health classification.

Convertible life insurance is especially suitable for younger adults who may need more substantial coverage in the future as their financial responsibilities grow but prefer the lower cost of term insurance in the early years. It provides a safety net by ensuring they can obtain permanent life insurance later, regardless of future health changes.

Learn more about convertible term life insurance and other policy types to find the best option for you. 

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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.