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Are you looking for Life Insurance for a mortgage?

Google Reviews

Dealt with Conor and he was great walking me through the stepsMade the process super easy and informative
David H.
David H.
Excellent service, I dealt with Richard Westman and from the very beginning he took care of me and answered all my questions and was very patient with me while he took to time to explain everything to me . Highly recommended 👌
Jordan L.
Jordan L.
Dylan has been incredibly helpful and friendly throughout the whole process of obtaining life assurance. He has been able to guide me and given great advice in an area I know nothing about, and has been brilliant in helping with any questions I have had since. Couldn't recommend more highly
Ashlinn C.
Ashlinn C.
I got both IP and SIC from Niall. I'm extremely satisfied the result I have now. He answered all my questions without judgement for me to choose the right option. I can't recommend him enough. Thanks Niall.
Minjeong K.
Minjeong K.
Excellent service, Richard was very helpful in helping us set up our life insurance
thomas C.
thomas C.
Colin is informative and very helpfulNo hesitation recommending Colin and Low
Karen O.
Karen O.
Richard couldn’t have done anymore for me if he tried . Extremely helpful and tried his best to stick to my budget and give me the best deal in the meantime. It took a few days but he was persistent and got me sorted. Super understanding and helpful. Thanks Richard .
Jamie M.
Jamie M.
After speaking to Seamus me and my partner were reassured about what our options were together, he answered all our questions and he was an absolute pleasure to deal with. Would highly recommend getting in touch over the phone for your plan.
Darragh O B.
Darragh O B.
Fantastic service from our broker Bernadine. She made the process of getting a mortgage easy and stress free. We would have struggled by ourselves as our house was not a straight forward buy. Highly recommend
Richard B.
Richard B.
We applied for our life insurance through them. Richie is an amazing advisor. He explained the quotes and policy documents in great details. He was also good in advising on various products that would cater our precise requirements. We spoke couple of times, each time he explained the policy in great detail. I would highly recommend LowQuotes and thanks to Richie for helping us set up our policy.
Aamir B.
Aamir B.
Great company!Had an outstanding support and experience working with Niall.One of best customer experience you can get out there!
Ramy M.
Ramy M.
We used Low Quotes to get life insurance and I'm really happy with the service. We spoke with Colin who was really great and super helpful and explained everything fully to us in detail and answered all our questions. I'd definitely recommend anyone to use them.
Holly C.
Holly C.
Excellent service
Alan M.
Alan M.
Helpfull and a great expirience
George H.
George H.
Look no further than I can’t recommend Richie Westman enough. He was incredible while working with us. Even though there was a lot of delay and back and forth from our end, he was extremely patient and accommodating. He made sure we had all the information we needed even if it meant repeating things to us a multiple times.If you’re starting your first time mortgage journey, Richie is the the guy you’d want to talk with. Well done Richie and thanks a ton!
Had an amazing experience with Richie Westman. He was patient, super accommodating, and very clear on his explanation when I had questions. I really appreciate his time and expertise, his help will certainly alleviate the some of the stress involved in securing a mortgage.
Alexandra M.
Alexandra M.
Had an outstanding experience with Low Quotes, especially with Alan, while arranging mortgage protection. Alan's professionalism and assistance made the process incredibly smooth. His proactive approach alleviated our stress, as he went the extra mile to stay in touch and ensure we had all necessary documentation to finalize our mortgage. Highly recommend Low Quotes without hesitation.
Jennifer M.
Jennifer M.
I would rather not think of any other company to deal with Life insurance and Mortgage protection. I dealt with Seamus who really helped me understand the process as I was a newbie, by providing an exceptional service and information. 100% friendly experience and a very smooth process.
guddu S.
guddu S.
I cannot speak highly enough of Bernadine Day. Our mortgage journey was not a straightforward one and I can honestly say we wouldn't have gotten through it without Bernadine's help. She pointed us in the direction of the right lender for us and guided us through the process with professionalism and empathy. Her knowledge, expertise and kindness are unparalleled. She was always available by message or by phone to answer any questions we had or to assuage any anxieties we had. She dealt with our lender on our behalf and was always prompt in relaying messages from them and in passing on any requests they had for documentation. Bernadine was so helpful too in explaining the different jargon and terminology we weren't used to. She will always have our gratitude for guiding us through the journey and into our dream home.
Louise K.
Louise K.

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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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Related Products

Mortgage Protection

Pay off your Mortgage if you pass away.

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Serious Illness Protection

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.