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Whole of Life Insurance

Life Insurance for your entire life. Best Price Guaranteed.
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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

Great communication, efficient and quick turnaround, thank you
Andrew O'Byrne
Andrew O'Byrne
11:08 30 Nov 22
Very helpful and very easy to deal with
Ben Coulter
Ben Coulter
15:58 29 Nov 22
I've been dealing with Eimear Dunne and she was very kind and available, she explained and helped us with the whole process. Highly recommended. Thank you again Eimear.
raffaele brancaccio
raffaele brancaccio
12:24 29 Nov 22
Fantastic experience.My adviser Richard has explained the policy in great detail and seemed very knowledgeable, professional and friendly. In the end Richard/Lowquotes got us a mortgage protection policy that is saving us a significant amount compared with our current policy.
Dan Albert
Dan Albert
10:58 29 Nov 22
Great experience from start to finish. Organised complex Mortgage Protection with great ease and when we had issues subsequently with a specific name on the policy the guys sorted us with little fuss. Communication from them as a company is top notch something rare nowadays- they respond quickly to all queries pre and post sale. would not hesitate for 1 second to recommend
Mark Daly
Mark Daly
10:29 29 Nov 22
I would like to recommend this company it has been an amazing experience for first time buyers. Richard Westman was very helpful and pleasant to deal with. We got the best price and the process was smooth and quick. We were very happy with the whole experience with Low Quotes.
Yohana Munoz
Yohana Munoz
23:19 26 Nov 22
Very easy to deal with,the entire process of changing insurer was absolutely painless made easier by Helena who was very helpful friendly and a pleasure to deal with. Would highly recommend lowquotes to do business with .
Terence Durnin
Terence Durnin
20:51 24 Nov 22
Amazing experience.....I would highly recommend Lowquotes. Courtney was my agent and she is extremely professional and friendly. She helped us to sort out our Mortgage Protection Insurance very quickly.
REJEENA PAUL
REJEENA PAUL
18:06 23 Nov 22
Great - quick and easy!! Helena was the lady who I dealt with. Friendly and helpful!
Linda Kenny
Linda Kenny
18:54 21 Nov 22
Recently signed up for mortgage protection and life insurance and dealt with Helena. Got a great deal and easy to sign up too
Jimmy Malaka
Jimmy Malaka
17:16 21 Nov 22
Amazing experience. Richard Westman was so pleasant to deal with. I got a great quote, best price and the process was so easy and quick. Very, very happy with the whole experience with Low Quotes.
Lais Siqueira
Lais Siqueira
11:39 18 Nov 22
John was so professional and clear explaining everything to me. He was very patient and never rushed anything to ensure the task was completed successfully and a new policy in place. Thank you John.
M C
M C
14:25 17 Nov 22
I am over the moon with the help Richard gave me the past few days in securing a new policy. He had the patience a saint going back and forwards until the policy suited and has saved me quite a bit each month! He deserves a raise!
Claire Hawkins
Claire Hawkins
15:31 16 Nov 22
My advisor Claire, explained everything to me, no pressure, no hard sell, just facts, figures and a follow up email… a really positive experience!
Georgina Kane
Georgina Kane
20:30 15 Nov 22
Excellent very helpful
Kerry ann Garvey
Kerry ann Garvey
18:15 14 Nov 22
I enquired about a life insurance quotation and had a lovely call from Richard Westman who carefully ran me through all details. He was a pleasure to deal with and we had a policy in place which suits perfectly. I would highly recommend LowQuotes and a big thanks to Richard! 5/5 Customer Service!
Lauryn Dempsey
Lauryn Dempsey
16:45 09 Nov 22
I would happily recommend the team at LowQuotes, they are professional and efficient while remaining friendly
Sean Hayden
Sean Hayden
11:55 09 Nov 22
I've setup both Life Insurance and Critical Illness Insurance with Claire Clohessy from lowquotes for myself and my partner and everything went without a problem.Claire will advise you on the best options for yourself and your own circumstances and is always ready to answer any questions you might have.I've went through different brokers in my time and lowquotes has been the best broker for insurance I've found, will definitely do more business with them.
John Doe
John Doe
11:35 09 Nov 22
Excellent . Really explained everything and had great patience .
Dominica Lynch
Dominica Lynch
09:54 09 Nov 22
Alan was very knowledgable and friendly. He gave great advice regarding my mortgage protection and life insurance. Thanks Alan.
Avril Brennan
Avril Brennan
13:17 05 Nov 22
Thanks Bernadine for all your help with moving mortgage recently. You made a very difficult and stressful process much easier.
Ciaran Murphy
Ciaran Murphy
12:07 03 Nov 22
Fast, efficient service! Thank you Clare & team!
Shane O'Callaghan
Shane O'Callaghan
17:26 02 Nov 22
Very easy to use and found all relevant information in the same place
Gabrielle Klan
Gabrielle Klan
17:21 02 Nov 22
Claire was extremely professional and friendly. Attention to detail superb. Would highly recommend.
Hazel Dollery
Hazel Dollery
12:54 02 Nov 22
It was quick and easy to get a quote. Then for someone to phone me back was very quick also..
Noreen Barr
Noreen Barr
20:11 27 Oct 22
Absolutely excellent. Spoke to Claire and she was the friendliest person I've ever had the pleasure of dealing with from any company over the phone. Can't recommend highly enough.
Mark Gallagher
Mark Gallagher
13:55 25 Oct 22
I had a great experience dealing with lowquotes.ie. Alan was very helpful and explained all the details thoroughly making sure I understood everything before going ahead, I would highly recommend.
Emma H
Emma H
21:32 23 Oct 22
Very helpful easy to use thank you
J M
J M
12:51 21 Oct 22
Advice was very understandable. Very helpful advisor
Fiacc ODwyer
Fiacc ODwyer
16:08 20 Oct 22
Very happy with LowQuotes.ie!Alan Broderick was actively involved from start to finish, he chased things up when things had to be chased up (doctors, medical reports, etc), he called regularly to make sure everything was ok.Definitely recommend and would use their services againThank you, Alan
Emil M. Prodanov
Emil M. Prodanov
17:05 19 Oct 22
Excellent customer care
Ciaran Noonan
Ciaran Noonan
14:32 19 Oct 22
Unbelievable service 👏
Jordan Delahunty
Jordan Delahunty
21:08 18 Oct 22
Would definitely recommend low quotes. Alan the life insurance consultant was excellent to deal with he helped me and my wife find the best life policy that suited us and helped us through out the hole process of setting up our new policy and the switching from our old policy to our new one. And during the hole process alan always rang to keep us updated and informed 👌
Chris Kearney
Chris Kearney
17:24 18 Oct 22
Very easy online application. Followed up very efficiently by Claire. She made finalising the transaction extremely easy and kept me updated on completion of the process. Highly recommend.
Caroline Howe
Caroline Howe
17:10 13 Oct 22
I dealt with Eimear at Lowquotes.ie and she was so helpful and managed to match my needs to the cover that suited best. Would definitely recommend to others. Thank you for an excellent service.
maria healy
maria healy
12:46 13 Oct 22
Alan was amazing he made the process so easy and was helpful every step of the way and was so patient with me and my partner the whole process. 100% recommend you guys to everyone I know.
Richie R (Richieboy)
Richie R (Richieboy)
11:47 13 Oct 22
Was happy with price which beat a direct quote from a large insurer which is unusual. Customer service agent was very helpful and tactful re health info for life insurance.
Adam Smith
Adam Smith
16:47 12 Oct 22
Great Service - answered all my queries and had life insurance sorted very quickly.
Shauna Adamson
Shauna Adamson
15:13 12 Oct 22
Excellent staff. Very friendly.
paul Byrne
paul Byrne
11:44 12 Oct 22
Alan was fantastic to deal with. Had very little knowledge of insurance and wasn't sure what I needed. He went above and beyond to help. Explained the ins and outs in detail and got me sorted. Was quick, easy and pain free. Absolutely would recommend.
Chloe Webster
Chloe Webster
10:02 11 Oct 22
Adam was very pleasant to deal with and talked me through the whole process, patiently answering all my questions
Marie O'Shea
Marie O'Shea
15:10 07 Oct 22
Fantastic service from both the mortgage & insurance teams.I was approved for my mortgage and within a few days had my life insurance with illness cover sorted.Highly recommend John and the team in low quotes.
Anicka
Anicka
13:27 05 Oct 22
It was great experience, John was helpful.
mohammed sammat
mohammed sammat
11:27 05 Oct 22
Very accommodating and easy to deal with regarding my insurance.
April Joy Laping
April Joy Laping
15:11 04 Oct 22
Came to Lowquotes through a recommendation, and was lucky enough to speak with Richard. Richard looked after all our needs and went above and beyond. I would have no hesitations in recommending Lowquotes and Richard in particular. Nothing was ever a question too far for him, and he advised on all things mortgages and personal protection.
Devin Ryan
Devin Ryan
11:26 02 Oct 22
Great customer service. John Hourigan helped me sort out all my insurance issues and went above and beyond. Cannot recommend him enough. 10/10
Danielle Browne
Danielle Browne
16:04 30 Sep 22
Fantastic service in Lowquotes… the administration team and the advisors went above and beyond to get us sorted!
Margaret Courtney
Margaret Courtney
16:04 30 Sep 22
I would highly recommend low quotes we were dealing with john Hourigan who sorted everything for me in my insurance and explained everything in detail ..great service
Kelly Browne
Kelly Browne
15:56 30 Sep 22
John was extremely helpful and explained Everything step by step.
Michelle Connell
Michelle Connell
15:54 30 Sep 22
Easy and convenient website to use. agent very helpful.
John Fitzgerald
John Fitzgerald
13:16 30 Sep 22
I was hesitant at first having to go through a long personal phonecall but I must say Claire made the process as smooth as possible, she was a pleasure to deal with and I will definitely use lowquotes for future insurance needs as a result
Karl Fitzgerald
Karl Fitzgerald
11:47 30 Sep 22
I would like to thank Alan for his professionalism. We arranged everything in a few minutes and solved it in two phone calls. My high recommendation!
Miro deckovic
Miro deckovic
17:14 29 Sep 22
Lowquotes were brilliant to deal with and I highly recommend them! John was super , and very patient. He made the whole process really simple, and I wouldn't hesitate to use them again. Thanks John!
Tara Duffy
Tara Duffy
16:39 29 Sep 22
Great service Adam was lovely to chat to really helpful highly recommend
Lorraine MCDONNELL
Lorraine MCDONNELL
10:15 29 Sep 22
May I say I had the most fantastic experience in dealing with low quotes.ie over the last 48 hrs. A pleasure to deal with, in particular John hourigan.... who explained everything from start to finish and made everything so easy. Would very highly recommend this company to everyone for simple easy completion for any plan. Much appreciated John
Chris O Connor
Chris O Connor
15:40 28 Sep 22
Excellent Service very professional and completed with no hassle
Jonathan Fitzpatritck
Jonathan Fitzpatritck
11:02 28 Sep 22
Alan was great help and informative when it came to choosing the best life assurance for myself.
Raul Morar
Raul Morar
08:18 28 Sep 22
Great Service, John Hourigan arranged our Mortgage Protection Insurance and looked after myself extremely well, he was always extremely helpful at every turn and always at end of the phone or email to answer any questions we had or provide updates to us. I would recommend John to anyone looking for Mortgage Protection Insurance. Thanks again John.
albert ryan
albert ryan
11:31 23 Sep 22
Great people who care about their customers needs and they know the business inside out. We would highly recommend LowQuotes from our experience. Many thanks to John H and Chloe for helping us understand the product and process and also their fast action when it was required. 5/5
Micheal Curley
Micheal Curley
06:46 23 Sep 22
Smooth transactions all the way. John Hourigan is great to deal with. I am a first time buyer and had no idea what is the best plan for us. John gave us recommendations and explained everything in layman’s term and anwered all my queries. It was a stress free process getting my mortgage insurance with John, so I ended up getting Life insurance too.I highly recommend John and lowqoutes.ie
GEECIE ALIVIO
GEECIE ALIVIO
05:38 22 Sep 22
Adam was extremely helpful and on the ball with everything... Would highly recommend
Martina Murphy
Martina Murphy
14:42 21 Sep 22
Hi I dealt with Adam who was so professional and made it so easy via Telephone to book the right insurance for me I would highly recommend Low Quotes!!
Tom Mc
Tom Mc
16:43 19 Sep 22
Adam was a pleasure to deal with. Very professional and helpful. Highly recommend Low Quotes, fantastic service
olivia curley
olivia curley
22:49 16 Sep 22
Adam talked me through everything and advised of which policies would be best for us! He was extremely helpful and made sure I fully understood everything before I signed any documents, i would definitely recommend lowquotes to anyone looking for mortgage life protection!
Danielle C
Danielle C
15:25 16 Sep 22
John our broker was extremely helpful and sorted my insurance so quickly. Walked me through everything and I got the best deal. Very professional services. Highly recommend
Kyle Willshire
Kyle Willshire
06:42 15 Sep 22
I would like to personally thank Bernadine and all the Team there for helping me secure a new home, seamless and extremely professional , from uploading all my documents , getting approval ,to support getting the final paperwork submitted before the deadline , I couldn't be happier with how I was treated and supported and for the expert guidance throughout this process -thank you so much !!
David Marshall
David Marshall
06:57 14 Sep 22
We were looking for mortgage protection. It proved to be a difficult process as our doctor held up returning the PMA. John Hourigan was looking after us and he was extremely helpful and always at the other end of the phone throughout the process. We finally with Johns help got it across the line. Thank you so much John. Regards Ita.
Ita Kane
Ita Kane
12:36 13 Sep 22
Very easy great options and very quick to get set up
Stephen Lynch
Stephen Lynch
10:21 13 Sep 22
Fantastic professional company and without question the best broker in the Irish market. Adam sorted out our insurance within 2 hours of our initial conversation and within 48 hours had everything in place for us. Don't go past these guys...you won't be disappointed! Ask for Adam...
Keith Herbert
Keith Herbert
18:41 07 Sep 22
Low quotes certainly live up to their name, they were almost 20% lower than my usual financial advisors best price and my usual advisor could not even get close on price. A saving of almost €20 a month for 20 years is well worth having.Alan my advisor was excellent even though I have bought or renewed life assurance products many times over the years Alan still managed to teach me a few new things about this product.I'm a happy customer and will be recommending you to my friends and family.
Eimhin de Róiste
Eimhin de Róiste
09:31 07 Sep 22
We were looking for Mortgage protection, found LowQuotes online and contacted them,I was contacted by phone within a day, We were asked what day/time that week that suited us for them to contact us to go through forms and discuss all our options.We were advised who was the best Insurer and were given a very good rate.Our application was done very quickly.We were very happy with LowQuotes and would definitely be recommending them to our friends and family.
Carmel Lynch
Carmel Lynch
15:13 06 Sep 22
Great people to deal with. Got mortgage protection insurance sorted seamlessly, quickly and without drama. I dealt with Adam who was a pleasure to deal with and kept me informed at all stages. I got a really good quote compared to others that I had and for a superior policy. I would definitely recommend.
Frank Reilly
Frank Reilly
17:56 03 Sep 22
Dealing with John in LowQuotes was an absolute pleasure and I cannot recommend him highly enough. He helped me to secure mortgage protection for my first home and it was by no means a smooth road! He has a really lovely manner and made the whole process much easier for me. Thank you John!
Sheena Mc Nulty
Sheena Mc Nulty
12:18 29 Aug 22
John Hourigan sold us our life policy. He was sure to make certain that everything we asked for was provided and affordable. He was quick efficient and had excellent knowledge in his field. He didn't try any B/S tactics that a lot of brokers do and he didn't bombard us with a million calls either. He was informative and accessible and easy to work with. I'd recommend anyone take their policy with John.
Ann Murphy
Ann Murphy
11:49 27 Aug 22
I rang looking for a quote on a policy for myself and my wife, not quiet understanding the prosses I was a little anxious about the call. As soon as I got talking to John I was made feel very comfortable right from the start and he explained everything and cut through all the jargon so we could understand exactly what was happening. We ended up getting a policy with so much more cover and extras, and we are so so happy. This was a very pleasant ,comfortable and easy conversation and I highly recommend that you give these guys a call.Thanks John.Glen Dowling
Glen Dowling
Glen Dowling
17:14 25 Aug 22
Very easy to deal with, had the pleasure of dealing with Adam who was very helpful.
James O' Neill
James O' Neill
16:51 25 Aug 22
I would just like to thank Ciaran and Courtney for their quick, helpful and professional advice and assistance.Madge & Dave Campion
Dave Campion
Dave Campion
14:17 25 Aug 22
Big thanks to the staff at Low Quotes. I found them extremely helpful and punctual with call backs. I couldn't fault my experience. If I had to pick one negative, it would be their call comes up on my phone as suspected spam. However after doing due diligence they are a legit and very helpful company.
Diarmuid O Malley
Diarmuid O Malley
06:12 24 Aug 22
I enquired online about my life insurance and was promptly phoned back about my enquiry. Adam was great to deal with, talked me through what the policy would consist of and with a few simple questions was able to tailor a policy that would suit my circumstances perfectly. He was very likeable and easy to deal with and would highly recommend him to anyone who is looking into life insurance. I finished up with a great policy that’s suits and a smile on my face from it being made so straightforward and easy.
Stephen Mcnamara
Stephen Mcnamara
16:28 23 Aug 22
Great service and excellent advice provided. Thank you
Emma Woods
Emma Woods
17:34 22 Aug 22
I was taken care by Bernadine from lowquotes and I have to say, for a first time buyer and a complete novice, low quotes is the best! I never had a problem in reaching Bernadine and she was very prompt in providing any information and support. Later during the last part of the process, Bernadine not only helped me as a broker but also gave me so much mental support and for that I thank her so much! it was very kind and truly appreciated! Wish Bernadine all the best and thanks lowquotes again for making it happen and for making my journey smooth 🙂
N Gg
N Gg
19:53 18 Aug 22
Dealt with Alan this morning. Found him very helpful, professional and friendly to deal with and was happy to deal with any questions or offer clarification on the policies. Thank you very much for your help and time this morning! Very much appreciated 😊
Alice O'Mahony
Alice O'Mahony
11:06 16 Aug 22
Really great team, especially Helena. All really efficient, great user friendly platform too
Hannah Flew
Hannah Flew
11:00 16 Aug 22
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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

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.

Both people are covered equally under this policy.

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

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

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.

  • 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.

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.

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.

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

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

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.

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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.