Start a Pension today!

Private pensions bridge the gap between state pensions and financial needs, protect against inflation, and enable legacy planning, ensuring financial support for loved ones. Getting a quote is the first step in your journey! Answer a few questions and wait for one of our Advisors to contact you!

How do I start a Pension?

Navigating pensions can seem complex, yet they offer a tax-friendly avenue for long-term investment. Through our discovery consultation, we provide quotes and facilitate one-on-one discussions with your dedicated financial advisor. Your advisor delves into your unique circumstances and goals, laying the groundwork for your retirement strategy. Crafting a tailored retirement plan involves gathering data on your current financial situation, risk tolerance, preferred investment options, and retirement timeline. Our team presents pension options tailored to your needs, explaining the pros and cons of each to ensure clarity. Assessing your risk tolerance is crucial; we collaborate with you to gauge comfort levels and develop investments that align with your goals. Based on this assessment, we recommend strategies to optimize your retirement savings, catering to conservative, aggressive, or balanced approaches. Once satisfied, we guide you through paperwork, ensuring comprehension of every aspect of your pension arrangement.

When is the best time to start a Pension?

The best time to start a pension is right now. Delaying this crucial financial decision can significantly impact your retirement savings. Starting as early as possible allows your investments to grow over time, potentially providing you with a more substantial pension fund when you retire. The power of compounding interest and time is on your side, making today the best moment to begin securing your financial future in preparation for retirement.

Google Reviews

LowQuotes.ie
4.9
Based on 1447 reviews
Laura S.
Laura S.
Aoife Morgan was a pleasure to deal with and made the process so smooth. She also dealt with everything from start to finish very efficiently.
Emma M.
Emma M.
A wonderful service, thorough and clear. I dealt with Rebecca, who was fantastic. The perfect mix of professional knowledge and courtesy with genuine warmth. Highly recommend her services!!!
Yunus Ü.
Yunus Ü.
Great service , low price
Emma W.
Emma W.
Great experience with Ross who was patient with us as we figured out what plan worked best for us. We really appreciated his advice and his patience. Highly recommend.
Response from the owner: Hey Emma,We’re delighted to hear about your positive experience with Ross. It’s great to know he was patient and supportive as you worked through your options. We’re so glad his advice helped you find the right plan. That’s exactly what we aim for!If you ever need anything else or have more questions down the line, we’re always here to help.Best Regards,LowQuotes Team
Jonathan F.
Jonathan F.
Dealt with Ross, he was incredibly helpful and informative and made the process easy from the start.
Response from the owner: Hey Jonathan,We’re delighted to hear about your positive experience with Ross. It’s great to know he was able to explain everything clearly and make the process easy from the very beginning. We aim to make the journey 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
Dee H.
Dee H.
Rebecca was wonderful. And got a policy I was very happy with
Response from the owner: Hey Dee,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was wonderful and helped secure a policy you’re happy with. We always aim to match our clients with the best possible cover, so your feedback is much appreciated!If you ever need anything else or have any questions, feel free to get in touch.Best Regards,LowQuotes Team
Ann D.
Ann D.
Excellent communication. Explained everything very clearly. Lovely customer service
Response from the owner: Hey Ann,We’re delighted to hear about your positive experience with our team. It’s great to know everything was explained clearly and that you received excellent communication and lovely customer service, that’s exactly what we aim for!If you have any questions in the future or need further assistance, we’re just a message away.Best Regards,LowQuotes Team
John K
John K
I have had a very rewarding experience dealing with Low Quotes. Rebecca Sharpe was my point of contact, and she was always prompt, professional and helpful. Vast knowledge of the business and the options to me to get me the best life cover policy, as well as answer my never ending questions and concerns. The process was effortless. Thanks JK
Response from the owner: Hey John,We’re thrilled to hear about your rewarding experience with Rebecca! It’s fantastic to know she was prompt, professional, and able to guide you through the process with such expertise. Life Insurance can raise lots of questions, and we’re so glad she made it effortless for you.If you need anything else down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sandra W.
Sandra W.
Shaun was very informative and helpful
Response from the owner: Hey Sandra,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was informative and helpful throughout the process. We aim to make everything as clear 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
Gráinne M.
Gráinne M.
I would like highly recommend Bernadine and Low Quotes for anyone seeking professional mortgage assistance. From start to finish, our experience working with Bernadine was exceptional. We recently secured our mortgage through her, and I can confidently say that her advice, skills, and expertise were outstanding and made a significant difference in the entire process. Bernadine demonstrated an in-depth understanding of the mortgage market, guiding us through complex options with clarity and patience.Her professionalism and attention to detail ensured that everything was handled efficiently and smoothly, which made what can often be a stressful process much more manageable and even enjoyable. Bernadine’s efficiency was second to none; she was always prompt, organized, and proactive in communicating updates and answering our questions. Thanks to her, we were able to secure a mortgage that we are really happy with, and she worked tirelessly to find us the best possible deal.We are genuinely grateful for the time and effort she invested in helping us. Her friendly yet professional approach made us feel valued and supported throughout the entire process. I would highly recommend Bernadine and Low Quotes to anyone looking for expert mortgage advice and exceptional service. Her dedication and expertise truly set her apart, and we are so appreciative of all she did for us.
Response from the owner: Hey Gráinne,Thank you so much for your incredibly kind and detailed review! We’re absolutely delighted to hear about your positive experience with Bernadine. Her expertise, dedication, and genuine care truly make a difference, and we’re so glad she helped make your mortgage journey smooth and even enjoyable.Securing the right mortgage can be a stressful process, so it’s fantastic to know Bernadine guided you through it with such clarity and professionalism. We’ll be sure to pass along your lovely feedback to her, she’ll be thrilled!If you need any further support down the line, we’re always here for you.Best Regards,LowQuotes Team
G S (.
G S (.
Quick, easy, straightforward, concise and helpful. If you are considering life insurance, give Colin a call.
Response from the owner: Hey G S,We’re delighted to hear about your positive experience with Colin. It’s great to know you found the process quick, easy, and helpful. We aim to make life insurance as straightforward and stress-free as possible, so your feedback means a lot! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Shane C.
Shane C.
Would just like to say a massive thanks to Bernadine who helped me and my fiancé get our mortgage protection, the whole process was quick and easy. Will definitely recommend to friends and family.A true professionalThanks again Bernadine
Response from the owner: Hey Shane,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she made the process of getting mortgage protection quick and easy for you and your fiancé. We aim to make everything as smooth and straightforward as possible, so your kind words mean a lot! If you or your friends and family need any assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
yasmine B.
yasmine B.
The biggest thanks to Bernadine. She made the process of getting our mortgage protection so easy and stress free. Will definitely be recommending to others.
Response from the owner: Hey Yasmine,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she made the process of getting your mortgage protection easy and stress-free. We aim to make everything as smooth and understandable as possible, so your recommendation means a lot! If you or anyone you know needs assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Malcolm C.
Malcolm C.
I was dealing with Rebecca today and she was a star. It was like talking to a friend over the phone, very clear with instructions and no hesitation when I needed something explained. Exceptional service!
Response from the owner: Hey Malcolm,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she made the process feel so comfortable and explained everything clearly. We aim to provide exceptional service and ensure everything is easy to understand, 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
maureen A.
maureen A.
Colin was a great advisor. Clear and easy to understand. Cheaper and better cover than I expected
Response from the owner: Hey Maureen,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to explain everything clearly and secure a better cover than you expected. 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
Breda C.
Breda C.
Shaun Young provided an excellent service and guided me through picking a suitable health insurance plan for my needs.Highly RecommendedBreda Crowley
Response from the owner: Hey Breda,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to guide you through choosing the right health insurance plan 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
Marzena C
Marzena C
I had a pleasure to deal with Rebecca ,she was very professional, kind and helpful. She answered all the questions I had and offered me a good deal. I was very happy with everything.
Response from the owner: Hey Marzena,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was professional, kind, and helpful throughout the process and was able to offer you a great deal. We aim to make everything as clear and smooth as possible, so we’re thrilled to hear you were happy with the service.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
dee F.
dee F.
Thanks so much to Dylan Cadwell who was a fantastic help to me today. He hand held me through the process of picking a new policy, he explained everything I needed to know and then when I was happy with the policy he had all my documents ready to sign within the hour. I would definitely recommend Dylan .
Response from the owner: Hey Dee,We’re delighted to hear about your positive experience with Dylan. It’s great to know he was able to explain everything clearly, guide you through the process, and get your documents ready so efficiently. We aim to make the journey as smooth and supportive as possible, so your feedback really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Zahia H.
Zahia H.
I recently completed the purchase of my new home and just picked up the keys today! I couldn’t have done it without the incredible support of Bernadine.From start to finish, she made the mortgage process smooth and stress-free. Always professional, responsive, and clear in her communication, she helped me navigate every step with confidence. I truly appreciated her patience and guidance throughout.Highly recommend their services to anyone looking for expert mortgage advice and outstanding support!
Response from the owner: Hey Zahia,We’re delighted to hear about your positive experience with Bernadine – and huge congratulations on your new home! 🎉 It’s great to know she was able to support you every step of the way and make the mortgage journey smooth and stress-free.We always aim to provide clear, professional guidance, so your feedback means the world to us. If you ever need anything in the future, we’re just a call away.Best Regards,LowQuotes Team
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Start a Retirement Planning today and secure the future of your dreams!

Planning for retirement is a significant milestone. Whether you’re just starting to think about retirement or are already well into your retirement journey, this guide will help you make informed decisions and create a retirement plan that aligns with your financial goals. And it’s totally FREE! Don’t wait, download now!

Your journey towards financial freedom starts here!

After you download your guide, one of our expert Financial Advisors will be in touch shortly to provide you with guidance and further relevant information to build you a customised retirement plan.

Start your journey today. Take the first step to achieve all your financial goals.

Meet our Team of Expert Advisors

Have a Strategy for each stage of your life.

Navigating the world of pensions can be a daunting task, as the landscape varies depending on the stage you find yourself in on your pension journey. Whether you are just beginning to contribute to a pension fund, nearing retirement, or somewhere in between, each stage brings its own set of challenges and opportunities. It’s crucial to approach the process with diligence and seek guidance from our financial advisors, ensuring that your pension strategy aligns with your unique financial situation and goals.

Starting in your 20’s

Starting your pension in your 20s is crucial for a secure and satisfying retirement. Beginning early lets you establish clear goals and learn about pension basics. Understanding these fundamentals and exploring investment options empowers you to make informed decisions, ensuring long-term growth and a comfortable retirement.

Starting in your 30’s

Starting your pension in your 30s is a smart step toward securing your financial future. It’s crucial to create a detailed financial plan and realistic budget for effective pension management. Taking advantage of employer contributions is key during this time, while also making the most of time and tax benefits to boost your pension fund’s growth potential. This sets a strong foundation for a comfortable retirement later on.

Pension in your 40’s

The Pension journey in your 40s means assessing your finances and reviewing retirement goals strategically. It’s essential to optimize asset allocation for a diversified investment strategy. Increasing contributions annually can maximize growth potential and strengthen your pension portfolio. These actions in your 40s pave the way for a more secure and prosperous retirement

Pension in your 50’s

While in your 50s is important to focus on securing your financial future. It’s crucial to maximize pension contributions for a strong retirement fund. Review and optimize your investment portfolio for balance and growth. Additionally, locate any old pensions to manage your assets better. Reassess your mortgage strategy to align with retirement goals. Addressing these aspects in your 50s enhances the strength and stability of your pension for a more comfortable retirement.

Still need more information? Let us help you plan your dream retirement. Send us a message or freephone us on 1800-828-800

Your Questions Answered

As soon as possible. The money that you pay into your pension grows over time. It’s quite simply Time x Money. The sooner you start paying in; the more money will be available to you upon retirement.

The amount you will receive per month entirely depends on how much you’re willing to pay per month, the length of time you’ve been making contributions, the type of pension plan and its investment return. You can also choose to receive a lump sum upon retirement or not.

As of today, the State Contributory Pension is about €240 per week. For most people, during their 20-30 years of retirement, this simply isn’t enough. When you pay into a pension plan, you will receive both the state pension (If available to you) and your Pension Plan.

Tax relief reduces the actual cost of your pension. You do not have to pay tax on money that you put into a personal pension (This falls within the limits set out below). This is calculated at the highest rate of tax you pay (Currently 20% / 40%)

Example:
Monthly contribution = €100
Tax Relief (40%) = €40
Cost to you = €60

If you have to retire because of medical reasons and you get Revenue approval, you can receive your benefits from your Pension immediately.

If you unfortunately pass away before you retire, your Pension will be paid to your estate.

Warning: Past performance is not a reliable guide to future performance.      

Warning: The value of your investment may go down and up.      

Warning: If you invest in this product, you will not have any access to your money until you retire.   

Warning: If you invest in this product, you may lose some or all of your investment.     

Warning: This product may be affected by changes in currency exchange rates. 

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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. 

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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.