Life Insurance Quote

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LowQuotes.ie
4.9
Based on 1203 reviews
Silvester B.
Silvester B.
Very good service
Gareth E.
Gareth E.
Cormac was very responsive and super helpful. We can always pick up the phone and get hold of him, and he responds very quickly via email. Definitely using LowQuotes.ie again.
Response from the owner: Hey Gareth,We’re thrilled to hear about your positive experience with Cormac! Providing responsive and helpful service is what we strive for, so it’s great to know he was able to assist you quickly and efficiently. We truly appreciate your trust in LowQuotes.ie and look forward to helping you again in the future!Best Regards,The LowQuotes Team
Sayyada Z.
Sayyada Z.
Low Quotes guys are superb. Fantastic service
Response from the owner: Hey Sayyada,Thank you for your kind words! We’re delighted to hear that you found our service fantastic. Your support means a lot to us! If you ever need anything in the future, we’re always here to help.Best Regards,The LowQuotes Team
Anne Marie Mc G.
Anne Marie Mc G.
Ross was really nice & helpful going through the mortgage protection with us.
Response from the owner: Hey Anne Marie,We’re so glad to hear that Ross was able to guide you through your mortgage protection and make the process easier for you! We appreciate your feedback and are always here to help if you need anything in the future.Best Regards,The LowQuotes Team
Cathy K.
Cathy K.
Shaun explained the policy to me as applicable to my health needs in simple understandable terms which was really great. He answered all my questions simply. Really great advice and I was very happy I contacted low quotes today.
Response from the owner: Hi Cathy,Thank you for your kind review! We’re delighted to hear that Shaun was able to explain everything clearly and provide you with great advice tailored to your needs. Making the process simple and easy to understand is exactly what we aim for, so it’s fantastic to know you had such a positive experience.If you ever have any further questions or need assistance in the future, don’t hesitate to reach out. We truly appreciate your feedback and for choosing LowQuotes!Best regards,The LowQuotes Team
Sara W.
Sara W.
A huge THANK YOU to Niamh McCaul, our primary point of contact at LowQuotes.ie, during a two-year mortgage approval process. She stayed on top of our case, was extremely responsive, and helped us overcome every obstacle along the way.
Response from the owner: Hi Sara,Thank you for your wonderful review! We’re so pleased to hear that Niamh provided you with exceptional support throughout your mortgage approval process. A two-year journey can be challenging, and we’re delighted that she was able to stay on top of everything, offering guidance and responsiveness every step of the way.We truly appreciate your kind words and for choosing LowQuotes. If you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Sarah H.
Sarah H.
Great service. We needed to get everything in place as fast as possible when buying a house and Aoife was absolutely fantastic. Great communication, had everything sorted so quickly and made it very easy for us. Would highly recommend.
Response from the owner: Hi Sarah,Thank you for your wonderful review! We’re delighted to hear that Aoife was able to assist you so efficiently during such an important time. We understand how crucial it is to have everything in place quickly when buying a home, and we’re so glad she made the process smooth and stress-free for you.We truly appreciate your recommendation, and if you ever need any further assistance in the future, don’t hesitate to reach out. Wishing you all the best in your new home!Best regards,The LowQuotes Team
Liz R.
Liz R.
I won't lie I came upon lowquotes by accident when in a flurry of trying to organise insurances. Thankfully after I got a quote online an agent called Dylan Chadwell called me to follow up. He was such a pleasure to deal with and he explained everything without technical jargon. I am so grateful because within 48 hours I went with one of the polices he recommended. I would not hesitate to recommend them.It's lovely to deal with real people and Dylan seems like one of the nicest!
Response from the owner: Hi Liz,Thank you for your fantastic review! We’re so glad that even by accident, you found us – and even happier to hear that Dylan was able to guide you through the process with ease. Ensuring that our clients receive clear, jargon-free explanations and the best recommendations is exactly what we strive for, and we’re delighted Dylan made the experience a positive one for you.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out. Wishing you all the best!Best regards,The LowQuotes Team
Samantha M.
Samantha M.
I dealt with Cormac Logue and he was excellent. Went through the process there and then with me and was extremely informative. I highly recommend Cormac.
Response from the owner: Hi Samantha,Thank you for your kind review! We’re delighted to hear that Cormac provided you with such excellent service and made the process clear and informative. Ensuring our clients feel supported and well-informed is always our priority, so your feedback means a lot.We truly appreciate your recommendation, and if you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Colette O R.
Colette O R.
Aoife Morgan was fantastic to deal with and was so obliging and informative.
Response from the owner: Hi Colette,Thank you for your kind review! We’re delighted to hear that Aoife provided you with such informative and helpful service. She is a valued member of our team, and we’ll be sure to pass along your kind words.If you ever need any further assistance, don’t hesitate to reach out. We truly appreciate your support!Best regards,The LowQuotes Team
Michael E.
Michael E.
I was referred to Cormac by my cousin, and he truly lived up to the recommendation! He helped me secure mortgage protection at a very reasonable price, ensuring every detail was explained thoroughly along the way. Cormac was the epitome of professionalism—helpful, knowledgeable, and incredibly approachable.He made what could have been a daunting process feel seamless, taking the time to address all my questions and provide tailored advice that suited my needs. I couldn’t have asked for better support.Thank you, Cormac, for your expertise and dedication. I’ll gladly recommend you to anyone in need of Mortgage Protection.
Response from the owner: Hi Michael,Thank you for your fantastic review! We’re delighted to hear that Cormac provided such a seamless and professional experience while helping you secure mortgage protection at a great price. Ensuring our clients fully understand their options and feel supported throughout the process is a top priority, so your kind words mean a lot.We truly appreciate your recommendation and are so glad Cormac lived up to your expectations. If you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Aisling
Aisling
Easy to use website & helpful staff that call back quickly to discuss quotes & the options of insurance policies available.Within the 1 hour phonecall with Dylan, I had my policy set up & organised.Dylan was very helpful as he broke down all of the jargon, in an industry that I am not too familiar with. This helped the process and I felt supported throughout.I would recommend to a friend or family member. In fact, i've recommended the service to family already.
Response from the owner: Hi Aisling,Thank you for your wonderful review! We’re delighted to hear that you found our website easy to use and that our team was able to assist you quickly.Dylan will be so pleased to know that he helped make the process smooth and straightforward for you. Breaking down the jargon and ensuring our clients feel supported is something we strive for, so your feedback means a lot to us.We truly appreciate your recommendation to your family and friends – that’s the highest compliment we could receive! If you ever need any further assistance, don’t hesitate to reach out.Best regards,The LowQuotes Team
Sean W.
Sean W.
I can't recommend Aoife Morgan from Low Quotes highly enough! She was absolutely fantastic in helping me and my girlfriend sort out our life insurance policy. Aoife was professional, knowledgeable, and incredibly helpful every step of the way, making what could have been a stressful process so much easier. She took the time to explain everything clearly and made sure we found the best policy for us. Her friendly and approachable manner made the experience a pleasure.
Response from the owner: Hi Sean,Thank you so much for your thoughtful review and for sharing your experience with us! We’re thrilled to hear that Aoife Morgan provided you and your girlfriend with fantastic support in sorting out your life insurance policy. Aoife is indeed a valued member of our team, and we’ll be sure to pass along your compliments to her.It’s wonderful to know that her professionalism, knowledge, and approachable manner made the process easier and more enjoyable for you. Helping our clients find the best policy to suit their needs is always our top priority, and your feedback means a great deal to us.If you have any further questions or need assistance in the future, please don’t hesitate to reach out. Wishing you both all the best!Best regards,The LowQuotes Team
Sinead
Sinead
Really happy with the professional service from Craig at Low quotes. He explained everything clearly and was easy to understand. Very helpful thanks
Response from the owner: Hi Sinead,Thank you for your kind review and for sharing your experience with us! We’re delighted to hear that Craig provided you with a professional and clear service. Helping our clients understand their options and find the best solutions is always our priority.We’re so glad you found the process helpful and straightforward. If you have any further questions or need assistance in the future, please don’t hesitate to reach out.Best regards,The LowQuotes Team
Muhammad Noman J.
Muhammad Noman J.
Accurate and efficient.
Response from the owner: Hi Muhammad,Thank you for your kind review! We’re delighted to hear that you found our service accurate and efficient. Providing a seamless and reliable experience is always our goal, so your feedback means a lot to us.If you have any further questions or need assistance in the future, please don’t hesitate to reach out. We’re always here to help!Best regards,The LowQuotes Team
Clarke K
Clarke K
Service is quick and easy to use
Response from the owner: Hey Clarke,We’re delighted to hear that you found our service quick and easy to use! Your feedback is greatly appreciated, and we’re glad to know that our process worked well for you. If you need any further assistance, don’t hesitate to reach out!Best Regards,LowQuotes Team
Roisin L.
Roisin L.
I can't praise Neil enough. We were under serious time pressure and he kept us updated the entire time. An absolute treasure to have working for low quotes.
Response from the owner: Hey Roisin,We’re thrilled to hear about your positive experience with Neil! It’s great to know he kept you updated and helped you navigate through the time pressure. We truly appreciate your kind words, and we’re lucky to have Neil on our team. If you ever need anything else, feel free to reach out!Best Regards,LowQuotes Team
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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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Types of Life Insurance in Ireland

 

  • Term Life Insurance: Provides coverage for a specified period (e.g., 10, 20, or 30 years). If you pass away within this term, your beneficiaries receive a payout. It’s ideal for those looking for affordable, temporary coverage.

  • Whole Life Insurance: Offers lifelong coverage with a guaranteed payout to beneficiaries upon death, provided premiums are paid. This type is best for those seeking long-term financial security and the ability to build cash value over time.

  • Mortgage Protection Insurance: Specifically designed to pay off your mortgage in the event of your death. This type of insurance decreases in value over time, matching your remaining mortgage balance.

  • Over 50s Life Insurance: Tailored for individuals aged 50 and above, this plan offers a guaranteed payout upon death without the need for medical examinations. It’s perfect for covering funeral costs and other final expenses.

  • Convertible Term Insurance: Starts as a term policy but offers the option to convert to a whole life policy without needing a medical exam. It’s ideal for those who may want longer-term coverage in the future.

  • Critical Illness Cover: Provides a lump sum payout if you’re diagnosed with a specified critical illness. This can help cover medical expenses, living costs, and other financial needs during recovery.

In summary, life insurance is more than just a financial tool; it is a crucial component of a secure financial future for your family. By choosing the right type of life insurance, you can ensure that your loved ones are protected, debts are covered, and your legacy is preserved.

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.