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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
Your lender needs it before you draw down, but you do not have to take the lender's policy. Compare the market in two minutes and have your own policy assigned to the lender.
A senior advisor checks the cover with you and handles the assignment to your lender.
Mortgage protection is life cover taken out for the term of your mortgage. If you, or the person you have the mortgage with, dies, it pays off the loan. The most common type is decreasing cover: the amount insured falls as the mortgage falls, while the premium stays the same.
Your lender is legally required to make sure you have it before giving you a mortgage on your home. There are exceptions, for example if you are over 50, the loan is not on your home, you already hold enough life cover, or you cannot get cover because of your health or your job.
Your lender may offer you its own mortgage protection policy. You do not have to buy it, and the lender cannot refuse you a mortgage because you buy cover elsewhere.
Comparing the market can find the same cover for less. We quote the main Irish insurers, set up your policy and assign it to your lender so your drawdown is not held up. If you already took the bank's policy, we compare it against the market and, where a new policy costs less, have it in place before the old one is cancelled.
Couples usually take mortgage protection on a joint life, first death basis: the mortgage is cleared when the first of you dies. Dual cover insures each of you separately, so the survivor stays insured after a claim. It costs more.
You can add serious illness cover so the mortgage is also cleared if you are diagnosed with a specified illness the policy covers. That costs more again, and the illnesses covered differ from insurer to insurer, so we compare the definitions as well as the price.
| Type | How the cover works | Suits |
|---|---|---|
| Decreasing term | Falls in line with the mortgage | Most repayment mortgages |
| Level term | Stays the same for the whole term | Leaving money for the family once the mortgage is cleared |
| With serious illness | Pays on diagnosis of a covered illness as well as on death | Households that rely on both incomes |
| Existing life cover | Used instead, if it is enough and not assigned to another loan | People already well insured |
Live prices from the main Irish insurers in two minutes.
Cover type, term and any serious illness cover agreed with you.
Your advisor submits the application and goes through the health questions with you.
The policy is assigned so your drawdown is not held up.
Cover checked if you switch, top up or extend your mortgage.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
Your lender is legally required to make sure you have it before a home loan, under section 126 of the Consumer Credit Act 1995. The exceptions include being over 50, a loan that is not on your home, existing cover that is enough, or being unable to get cover. Some lenders insist on it anyway.
Since 6 December 2023 a code of practice means insurers can disregard a cancer diagnosis where treatment ended more than seven years ago, or five years if you were diagnosed before 18, for mortgage protection up to €500,000.
Check your cover still matches the new loan. If you borrow more or extend the term, you may need extra cover. We check it as part of the switch.
No. It pays on death, and on diagnosis of a covered illness if you add serious illness cover. Income protection covers your income if illness stops you working.
Keep payments up to date. If you fall into arrears the policy may lapse, and the cover ends with it.
Yes, if it gives enough cover and is not already assigned to another loan.
Checked 7 October 2026.
Two minutes online for live prices, then a senior advisor sets it up and assigns it to your lender.