Life Insurance Quote

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

We compare Life Insurance from every provider in Ireland to give you the best price, guaranteed.

Get your Life Insurance Quick Quote Comparison today to avail of additional discounts.

Are you looking for cover for your Mortgage?

Google Reviews

LowQuotes.ie
4.9
Based on 1236 reviews
Maura K.
Maura K.
Shaun Young atow quotes was excellent at helping me find a health insurance to meet my needs and finances. He also answered any and all questions I threw at him over a few days politely, friendly and reassuring, and I'm sure I drove him nuts. Thank you
Eamonn O.
Eamonn O.
Aideen gave me very good advice and explained all the important points that would affect me.
Betty C
Betty C
Ross was very helpful with our quote and called us promptly. We got a cheaper quote than the competitors.Highly recommend this company.
Anita L.
Anita L.
Shaun was excellent in sorting my health insurance out. Quickly surmising that the existing health plan I had was not beneficial to me at this present time, and steering me on the right path.
Con M.
Con M.
I found Ross to be very helpful, informed and great to deal with..thanks for all your help..
Response from the owner: Hey Con,We’re so pleased to hear about your positive experience with Ross! It’s great to know he was able to provide helpful and informed support throughout the process. Thank you for taking the time to share your feedback – it truly means a lot to us. If you ever need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Pratibha S
Pratibha S
I had wonderful experience working with my loan advisor , Bernadine Day, who was constantly helpful and knowledgeable throughout the process. She took time to explain every step in detail, ensuring I understood all my options. Anytime I had questions, she responded promptly and provided clear, practical answers. Her expertise and guidance made the loan process smooth and stress-free. I highly recommend Bernadine to anyone looking for reliable support in securing a loan.
Response from the owner: Hey Pratibha,We’re delighted to hear about your positive experience with Bernadine! It’s fantastic to know that her expertise and clear guidance made the loan process smooth and stress-free for you. Bernadine truly strives to make each step understandable and approachable for our clients, and your feedback reinforces her dedication. If you have any further questions or need assistance in the future, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Daniel M.
Daniel M.
Bernadine has been absolutely fantastic from the outset and throughout our mortgage process, her professionalism, patience and empathy is second to none and there was never any question too big or small for her to answer, we would like to thank Bernadine for all of her hard work and patience over the past number of months!
Response from the owner: Hey Daniel,We’re thrilled to hear about your positive experience with Bernadine! It’s wonderful to know her professionalism, patience, and empathy made such a difference throughout your mortgage process. She truly cares about making the journey as smooth and stress-free as possible, and your kind words mean a lot. Thank you for acknowledging her hard work and dedication over the past few months. If you have any more questions or need further assistance, please don’t hesitate to reach out.Best Regards,LowQuotes Team
Jithin C.
Jithin C.
I recently consulted Cormac Logue for life, health and mortgage protection insurance. His insightful advice, professionalism and tailored solutions impressed me. Cormac's expertise ensured optimal coverage at competitive rates. His dedication and responsiveness made the process seamless. I wholeheartedly endorse Cormac for insurance guidance.
Response from the owner: Hey Jithin,We’re delighted to hear about your positive experience with Cormac. It’s great to know his expertise, professionalism, and dedication helped you secure the best options for life, health, and mortgage protection. We’re thrilled to hear that he made the process seamless and provided tailored solutions. If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
AMIT L.
AMIT L.
Cormac helped with a cutomised mortgage protection policy. His advice was invaluable and kept me informed throughout the process. Highly knowledgeable, nice and an engaging person.
Response from the owner: Hey Amit,We’re delighted to hear about your positive experience with Cormac. It’s great to know he provided invaluable advice and kept you informed throughout the process while helping with a customized mortgage protection policy. We agree – his knowledge and engaging approach make all the difference! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Beatrice E
Beatrice E
I had an excellent experience with LowQuotes this year as they helped me with the purchase of my new home. As a first time buyer, Fiona and Bernadine were really helpful with the lengthy and sometimes complicated process and helped ensure everything went smoothly. I would strongly recommend LowQuotes mortgages for anybody looking to buy their new home.
Response from the owner: Hey Beatrice,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to guide you through the lengthy process as a first-time buyer and make everything run smoothly. We understand how complex buying a home can be, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Steph C.
Steph C.
Had the pleasure of dealing with Craig. From start to finish he was fantastic. Great service 👏
Response from the owner: Hey Steph,We’re delighted to hear about your positive experience with Craig. It’s great to know he provided fantastic service from start to finish! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Jerome J.
Jerome J.
Cormac was excellent at explaining the different policies to me, very knowledgeable great asset to the company.
Response from the owner: Hey Jerome,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain the different policies clearly and that his knowledge stood out. We agree – he’s a great asset to the company! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Rachael Q.
Rachael Q.
Brilliant service provided by Richard. Richard explained everything thoroughly making it easy to understand and got us a great deal for income protection and mortgage protection. Thank you!
Response from the owner: Hey Rachael,We’re delighted to hear about your positive experience with Richard. It’s great to know he was able to explain everything clearly and secure a great deal for your Income Protection and Mortgage Protection. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out. Best Regards,LowQuotes Team.
Sophie P.
Sophie P.
Craig had been extremely helpful in getting mortgage protection. He kept in touch every step of the way and ensured we were a priority. Highly recommend 👌
Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Craig. It’s great to know he kept in touch every step of the way and made sure you were a priority while securing your Mortgage Protection. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team.
James R.
James R.
If you've busy life and need broker in your corner highly recommend LowQuotes. For going the extra mile, Thank you Niamh and all the team!
Response from the owner: Hey James,We’re delighted to hear about your positive experience with Niamh and the team. It’s great to know they went the extra mile for you! We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Wendy von M.
Wendy von M.
Richie was very helpful and very efficient in how he dealt with my quote and query. He was clear in his communication and very patient. I would highly recommend this company.
Response from the owner: Hey Wendy,We’re delighted to hear about your positive experience with Richie. It’s great to know he was clear, patient, and efficient while helping with your quote and query. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sijo T.
Sijo T.
Low Quotes was very helpful to choose the right life cover insurance for me and my wife. Thanks to Ross and Allen for their patience to make me understand about the different options and pros and cons.
Response from the owner: Hey Sijo,We’re delighted to hear about your positive experience with Ross and Alan. It’s great to know they were patient and thorough in helping you choose the right life cover for you and your wife. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Wayne F.
Wayne F.
If we could give more than 5 stars we absolutely would! We dealt with Colin And Courtney, who are both fantastic! They made a very stressful time so smooth, Courtney went above and beyond for us, always at the end of the phone or email whenever we had any questions! So helpful, a pleasure to deal with! Thank you again! Could not fault a single thing with the entire process! Highly recommended to anyone.
Response from the owner: Hey Wayne,Thank you so much for your fantastic review! We’re thrilled to hear about your great experience with Colin and Courtney. It’s wonderful to know Courtney went above and beyond to make the process smooth during a stressful time, and that she was always available to answer your questions. We aim to provide that level of care and attention, so your feedback really means a lot to us! If you need anything in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Mack H.
Mack H.
Brilliant cormac made it easy as possible very quick
Response from the owner: Hi Mack,Thank you for your fantastic 5-star review! We’re so pleased to hear that Cormac made the process easy and efficient for you. We’ll be sure to pass along your kind words to him.If you ever need any further assistance, don’t hesitate to reach out. We’re always here to help!Warm regards,LowQuotes Team
js_loader

Would you like to speak to a Financial Advisor?

Our award-winning team is always here to help you.

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.

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.

Meet our Team of Expert Advisors

Related Products

Mortgage Protection

Pay off your Mortgage if you pass away.

Get your quote

Serious Illness Protection

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

Get your quote

Income Protection

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

Get your quote

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. 

You may also be interested in...

Follow us on Social Media

Follow us on social media to stay in the loop with exclusive content that will help you achieve your financial goals.

Career opportunities at LowQuotes.

Here at LowQuotes, we want to ensure that our clients receive the highest standards of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, integrity, dedication, and excellence, this could be the perfect fit. 

insurance advisor

Quick Call Back

Enter your details below and a Financial Advisor will call you back promptly.

Contact Info

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.