Over 50s Life Insurance

Ensure financial security and get cover up to the age of 91.

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.

Over 50s Life Insurance Ireland

As we age, financial planning becomes increasingly important, and securing a suitable life insurance policy is a critical aspect of this planning. Over 50s life insurance is specifically designed for individuals in this age group, offering unique benefits that cater to their specific needs. In Ireland, this type of policy can provide peace of mind and financial security for you and your loved ones.

Main Benefits of Over 50s Life Insurance

  • Ensures financial protection for loved ones, reducing stress during difficult times

  • Covers funeral costs, alleviating financial burden on family

  • Pays off debts or provides financial gifts to beneficiaries

  • Guaranteed acceptance without health assessments

  • Fixed premiums that fit various budgets

  • Quote, Apply, Sign, Online

LowQuotes.ie
4.9
Based on 1532 reviews
Geraldine M.
Geraldine M.
Thanks Aoife for taking the time and advice of best policy to take out
J M
J M
I had the pleasure of dealing with Alan Broderick who supported me with finding the best rates for my few policies and plans and I even ended up switching. Not only was this guy professional, he was also very easy going, empathic, and just had a very good understanding of how to support me with the best advice and products for my hard earned little money. This is rare in today's world of ever rising costs! And despite my annoying phone calls and never ending questions, he still remained patient and helpful.If you're looking for an advisor who is driven and knows his stuff, then look no further. I would highly recommend this gem. Thank you Alan for all your help.Joyce M - Dublin
isobel lawlor (.
isobel lawlor (.
We found Colin to be friendly, easy to deal with and very imformative.He explained every thing clearly and made sure we went with a policy that suited our needs.Would highly recommend
Elena A.
Elena A.
As first time buyers,we choose LowQuotes for our mortgage and life insurance and we are very happy that we did ,because from the very begining until the end Aoife Morgan guide and help us to choose the best offer for us .She help us with everything and answear to our questions in a very friendly and profesional way.We highly recomend her to help you on your way.
Kelley M.
Kelley M.
I highly recommend! Rebecca was fantastic, so kind and easy to talk to. She made the process easy and explained everything to me clearly. It was easy to get in touch when needed and Rebecca was so professional with returning calls etc ! Thank you so much
Debby S.
Debby S.
Rebecca Sharpe was excellent to communicate with. She explained the purpose and process of acquiring life insurance (as part of a mortgage application) so well. She was honest and helpful in answering all my questions. She was very knowledgeable and gave a range of options so I could get the most appropriate package for my personal situation. I would highly recommend her and LowQuotes as a result. Thanks!
Carmel S.
Carmel S.
Had great help from ColinSet up my life insuranceEasy no hassleThanks again
Response from the owner: Hey Carmel,We’re delighted to hear about your positive experience with Colin. It’s great to know he made setting up your life insurance easy and hassle-free! We always aim to make the process as smooth and straightforward 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
Michael M.
Michael M.
Rebecca has been dealing with us over the past few days. Professional, friendly and Genuine are words that come to mind when describing the customer experience. Very helpful throughout and would recommend this company going forward due to Rebecca's help.
Response from the owner: Hey Michael,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was professional, friendly, and genuine throughout the process, and that her support made such a strong impression.We aim to make every interaction helpful and straightforward, 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
Stephen D.
Stephen D.
I've been dealing with Seamus who helped me. Have to say, his professionalism, patience and his knowledge was fantastic, such an easy guy to talk to. Ended up going through Seamus and id absolutely recommend him. I hope this review gets to his manager, great guy! Thanks Seamus
Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Seamus. It’s great to know he was able to guide you through the process with such professionalism, patience, and knowledge. We’re thrilled to hear how easy he made everything for you, we’ll be sure to pass your kind words along to him!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
Shauna D
Shauna D
Had a very positive experience speaking with Rebecca Sharpe today, she was very helpful in discussing my options and made sure I understood the policy that I was getting and was very patient in answering any questions that I had. Highly recommend this service.
Response from the owner: Hey Shauna,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she took the time to explain your options clearly, ensure you fully understood your policy, and answer all your questions with patience and care.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
John A.
John A.
Highly Recommend, Dealing with Rebecca was fantastic.
Response from the owner: Hey John,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to explain everything clearly and make the process smooth for you. We aim to make every step as straightforward and stress-free 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
Aisling K.
Aisling K.
Really happy with the service I received. Shaun was extremely helpful during this process as it can be fairly confusing. He made everything a much simpler process.
Response from the owner: Hey Aisling,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to make the process clear and straightforward for you, especially when things can feel a bit confusing at first.We aim to make everything as simple 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
Philip C.
Philip C.
We had the pleasure of dealing with Rebecca Sharpe who went above and beyond to accommodate us ensuring we understood all the policy benifits and calling us at a convenient time to allow us time to discuss which policy suited us best. Thanks Rebecca.
Response from the owner: Hey Philip,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she went above and beyond to ensure you fully understood all the policy benefits and took the time to accommodate your schedule.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
Agnes C.
Agnes C.
Very positive experience with low quotes. Isabel in particular is fantastic to deal with.
Response from the owner: Hey Agnes,We’re delighted to hear about your positive experience with Isabel. It’s great to know she made the process smooth and straightforward for you. We’re thrilled to hear you had such a great experience with our team!We aim to make everything as simple 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.
Had my consultation with colin bailey on the phone and have to say he was amazing with everything, literaly spent an hour out of hes time explanining everything to me in detail to help leave my children set for life if anything were to happen to me, would highly recommend the company
Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Colin Bailey. It’s great to know he took the time to explain everything in detail and help you feel confident about protecting your children’s future. 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
graham D.
graham D.
From the initial application on line to dealing with Rebecca Sharpe on the phone, was seamless. She made applying and understanding the policy an easy transition, thanks for your help Rebecca very much appreciated.
Response from the owner: Hey Graham,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she was able to explain everything clearly and make the process seamless for your policy application. 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
Carolyn D.
Carolyn D.
I was dealing with Conor O'Hare and can't recommend him enough.He went out of his way to help me get the best life insurance, and was always a pleasure to talk with. I'd highly recommend anyone to Conor when looking for life insurance.
Response from the owner: Hey Carolyn,We’re delighted to hear about your positive experience with Conor O’Hare. It’s great to know he was able to explain everything clearly and secure a great deal for your life insurance. 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
Jenny K.
Jenny K.
I was dealing with Shaun young, I have to say he was amazing,he goes out of his way to find you the perfect fit .he speaks to you in a way that is understandable and honestly I couldn’t recommend him enough ,thank you
Response from the owner: Hey Jenny,We’re delighted to hear about your positive experience with Shaun Young. It’s great to know he was able to explain everything clearly and find the perfect fit for your needs. 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
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Why Choose Over 50s Life Insurance?

Over 50s life insurance is ideal for those who may not have had the opportunity to secure life insurance earlier in life or those looking to enhance their current coverage. This policy is particularly beneficial for individuals seeking to cover end-of-life expenses, such as funeral costs, outstanding debts, or to leave a financial gift for their family.

Key Differences of Over 50s Life Insurance

  • Guaranteed Acceptance: One of the standout features of over 50s life insurance is guaranteed acceptance. There are no medical exams or health questions required, making it accessible to all applicants regardless of their health status.
  • Fixed Premiums: Premiums are typically fixed, meaning they won’t increase as you age. This provides financial predictability and ensures that the cost of your insurance remains manageable.
  • Lifetime Cover: Unlike term life insurance policies that only cover you for a specific period, over 50s life insurance provides coverage for the remainder of your life, ensuring that a payout is guaranteed.
  • High Age Limits: You can obtain coverage as late as the age of 91, providing a valuable option for older individuals seeking financial security.

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Your Questions Answered

Single Cover –
Only one person is covered under the policy. If this person dies within the term of the policy – The cover amount will be paid to the policy holders estate.

Dual Cover –
Only one person is covered under the policy. If this person dies within the term of the policy – The cover amount will be paid to the policy holders estate.

Joint Cover –
Two people are covered under the one policy. But only pays out on one death. For example “Joint Life, First death” will pay out when the first person dies, and nothing when the second person dies. We advise against this type of cover, as Dual cover costs the same and pays out your cover amount twice rather than once, essentially doubling your cover free of charge. Call our advisors if you currently have a Joint cover policy in place and wish to replace it with a Dual cover policy.

Without the ‘Savings Option’ – Your policy is designed to pay out when you die. But if you stop paying your monthly premiums, your policy will end and you get no pay-out.

Our ‘Savings’ option costs an additional 10% on your policy. If you stop paying premiums, because you can’t keep up with the monthly payments; Once you have paid consistently for 15 years – Once your policy ends, You can either choose to receive an agreed lump sum payment immediately, or a reduced amount in the event of your death. It will be required to speak to one of our Financial Advisors to add this on your policy.

Selecting indexation on your policy will help to protect your cover against inflation.

Inflation can negatively effect the buying power of the amount you have paid in over a long period of time. Meaning, the amount of cover that was suitable when you took out the policy, may in the future not meet your family’s needs upon the event of your death.

For example – With only a 3% inflation rate – €500,000 after only 10 years is worth just €372,000. Remember, the money paid out would still be €500,000 – only worth less.

Absolutely. Terminal Illness Cover on your policy means that if during the lifetime of your policy you’re diagnosed with a terminal illness, the full amount of cover taken out will be payable immediately. To qualify for immediate payment, the illness either has to have no cure or has progressed to the point of being un-cureable and will lead to death within 12 months.

The factors that will determine how much cover you can afford to take out are: Your age, If you smoke or use nicotine replacement products, and how much you want to pay-in to your policy monthly.

Your general health, height/weight, if you’ve smoked within the last 12 months and the result of your health application will affect the final cost of your policy. We will give you a general quote first to give you an idea of the cost. Quotes provided online are for applicants in perfect health.

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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.