Whole of Life Insurance

Life Insurance for your entire life. Best Price Guaranteed.
Apply Online or Call Us for Massive Discounts.

We’ll take care of it for you.

Meet our Team of Expert Advisors

Claire Clohessy

Helena Dunne

Richard Westman

Alan Broderick

Click this button if you are looking for Term Life Insurance

Whole of Life Insurance

Whole of life insurance is an insurance policy that lasts for your lifetime, and not limited to a term. When you pass away the policy will pay a lump sum payment to your family or dependents. It will also pay out immediately if you are diagnosed with a Terminal Illness.

Your family may also be liable for inheritance tax on your home and assets when you pass away. This can be a huge burden to be left with, forcing them to borrow or sell part of their inheritance to cover their tax bill. A Section 72 Whole of Life Insurance policy removes this burden and protects your loved ones from a large inheritance tax bill.

Our Whole of Life Insurance has a Guaranteed Premium. Meaning your monthly payments will never change.

Google Reviews

It was a pleasure dealing with Dylan to set up our family life assurance policy. He was knowledgeable, personable and professional throughout the process and we would recommend dealing with him to friends and family!

Aisling Healy

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Bernadine has been fantastic from start to finish with my mortgage application. She was able to assist me with everything that was needed taking a lot of the stress of me.I would highly recommend her and would go to her again in the future

Majella O Dwyer

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Excellent work done by John Dwyer handling my application over the course of a few months. Showed great conversation skills and provided me with helpful and informative information. I could not fault the experience dealing with Low Quotes. They are very good.

John Nolan

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Really quick turnaround, details well explained, seamless process!!

Akanksha Puri

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Excellent communication and friendly over phone and email. They provide prompt advices. Would recommend

Ayman Barakat

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Had the pleasure of dealing with Colin Bailey and he couldn't have been more helpful. Just made everything so easy.

Declan Barry

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Had a brilliant experience with Colin,,he was extremely helpful & put out minds at rest ,,knowing we don’t have to worry about anything,and he went into every detail,,definitely recommend low-quotes,

marie keogh

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Really professional and friendly approach by Richard Westman. Smooth and hassle free consultation, much recommended.

peter gabera

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Colin Bailey was great to work with. He made everything easy to understand and was able to answer any of my annoying questions. A very patient guy as when he called I was often in work and did not have the time to talk. We were able to get things sorted rather quickly.

robert whelan

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All good, easy to do business with. Friendly service.

Michael Harley

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Spent a good quality conversation with Alison Fitzpatrick this am and found her help very precise and informative. The details of new cover plans came down to me immediately. So, all good !

Vincent Gormley

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Had a great experience with using low quotes. Bernadine was very professional and competent in her area of expertise. I would recommend this company for financial advice, services and mortgages.

N Shaw

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Recently applied for life insurance and was dealing with a chap named Richard. I couldn't ask for a more polite and helpfull man to help me through this process and answer any and all questions I had. From my experience I would highly recomend them.

Tam Salem

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Shaun young is really a nice guy to talk with and very clear in his communication.

Muhammad Asif Siddiqui

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I couldn’t rate Low Quotes more highly for their excellent customer service, Richard Westman made the process very easy.

Lee McCallion

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We dealt with Alan from low quotes to organise our policy and put it in place. I cannot recommend Alan enough. He was so patient and helpful every time I called. His knowledge of the business is unbelievable. Alan guided us through every step so professionally and patiently. I would highly recommend Alan to anyone looking to setting up a policy. Low quotes is very lucky to have him as an employee. Thank you for everything Alan.

Breda Atkinson

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Richard was so nice to deal with. He’s a true gentleman.The entire process was very easy from start to finish. We would definitely recommend this company to look after your life insurance needs.

Damien Coleman

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Excellent and Efficient service received from LowQuotes.ie and special thanks to staff member Colin. Highly Recommend.

chathu jayalath

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Dylan spent the bones of a couple of hours over two days going through, advising, and then setting up our new policy. When setting up first time with a previous broker some year's back, I thought "Why are my paying this?" Dylan went through this thoroughly. It's something that should not be ignored.There was nothing not covered by Dylan. All questions were answered. Happy I switched.

John O'Meara

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I can highly recommend low quotes and in particular, Richard Westman. He was an absolute pleasure to deal with, he was so approachable and friendly. His professional approach throughout the whole process was flawless. He answered all my queries promptly and efficiently. He explained everything to me so that I clearly understood what I was signing up to. I got the best policy suited to my needs thanks to Richards advice and knowledge.Excellent service that I have already recommended to friends and family.Thanks again RichardDes Dooley

Des Dooley

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Richard Westman was a great help to myself and my family.He saved money for us on the policy we were already signed upto and got a far more superior policy in place. Thanks again Richard

Ballon Business & Training Centre Ballon

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First time contacting this company Shaun was the person looking after my enquiry He was professional and very informative Based on my responses he organised my health insurance promptlyI will definitely recommend to others.

bernie kerin

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Easy and fast way to getquotes. Great designed website.

marz

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Great experience with low quotes for our Life Insurance requirements. Colin was very helpful and guided us through the whole process.

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Speak to an Advisor

Call our expert advisors for your free no obligation advice & quote. Alternatively you can request for us to call you back.

Whole of Life Insurance Options

Single Cover

Only one person is covered under the policy.

When the person insured passes away, the cover amount selected will be paid to the policy holders estate.

Dual Cover

Both people are covered equally under this policy.

It is a popular choice as it pays out the first death and the second death.

Joint Cover

Two people are covered uner the policy. This only pays out on the one death.

For example “Joint life, First Death” will only pay out when the first person dies and nothing when the second person dies.

Whole of Life Insurance Information

How does Whole of Life Insurance work?

When you’re taking out a Whole of Life insurance plan, you choose the amount you want to be paid out on death.

You will then pay a set amount per month until you pass away. The policy then pays out a lump sum to your family. This premium never increases.

What are the benefits of Whole of LIfe Insurance?

It pays a cash lump sum that could go towards covering any inheritance tax your family is liable for when you pass away.
Your loved ones are financially protected when you pass away.
You can choose optional benefits on top of your Whole of Life Insurance for added peace of mind.
It can be used to cover your funeral expenses no matter what happens.

What is a Whole of Life savings option?

If for any reason your circumstances change over time, such as no longer being able to afford your Whole of Life Insurance, or inheritance tax no longer being a concern.. You might decide to stop paying your premium before you die. Which normally means you get nothing back.

With a savings option – Provided you’ve had your policy for 15 years and consistently paid it, you are guaranteed money back if you cancel or stop paying your policy.

This option costs an extra 10% on your premium and must be included when you take out your policy – It cannot be added at a later date.

Your options are – Receive a reduced lump sum on death, or you can take an immediate cash payment.

What is Inheritance Tax?

Inheritance tax is a tax paid to Revenue when someone inherits either money, property or other assets such as land following a death. The recipient of the asset is the person responsible for paying the tax amount of 33%.

Surviving wives, husbands and legal civil partners do not fall under this category. They do not have to pay inheritance tax.

You can use your Whole of Life policy to help offset any inheritance tax liability.

Remember, we can always answer any questions you have regarding Inheritance tax and Whole of Life Insurance.

What age can I get a Whole of Life insurance ?

Starting at 18 years old, you can take out a Whole of Life insurance policy up to the age of 75.

Medical 2nd Opinion Service

Historical illness reviews by leading medical consultants are available. Also applies to future illnesses.

What if I Smoke or Vape?

Please note that ALL nicotine replacement products, including vaping, are now classed as “Smokers”.

The premium for your whole of life insurance will be affected accordingly.