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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.
Compare life cover in two minutes online. Then a senior advisor helps you choose the amount, the term and the options, and stays with you through the application.
A senior advisor checks the cover, the term and the options with you before anything is set up.
Life insurance pays a lump sum if you die during the term of the policy. Your family uses it as they need: to clear the mortgage, pay the bills, replace your income or fund the children's education.
Plans from Irish Life and Royal London Ireland, for example, also pay out early if you are diagnosed with a terminal illness and not expected to live more than 12 months. Cover can be for one person, for two people paying out once, or for two people each covered in full.
Start with what your family would need to stay where they are. Add the mortgage and any loans. Add the income they would lose, for the years they would need it. Add what the children's education will cost. Take away the cover you already have, including any through work.
That number is your cover. The term is how long they would need it, often until the mortgage ends or the youngest child finishes college. Your price depends on your age, your health, whether you smoke, how much cover you choose and for how long.
A conversion option lets you turn your policy into a new one for a longer term without giving new evidence of your health. It costs more than standard cover, and it protects you if your health changes and you need cover for longer.
Indexation raises your cover each year to keep pace with inflation, with the premium rising to match. At Irish Life, for example, cover rises by 3% a year and the premium by 4.5%. Guaranteed insurability lets you increase cover after events such as marriage, a new child or a new mortgage, without new medical evidence.
Live prices from the main Irish insurers in two minutes.
Cover, term and options agreed, and the health questions gone through with you.
Your advisor submits the application and deals with the insurer on any medical evidence.
Your policy issues, assigned to your lender if it covers a mortgage.
Your cover checked when your mortgage, family or income changes.
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.
It depends on your age, your health, whether you smoke, how much cover you want and for how long. The live quote shows your price from each insurer. Life assurance premiums also carry a 1% government levy.
Joint cover insures two people and pays out once, on the first death. Dual cover insures two people separately and pays out on each death. Dual cover costs more but leaves the survivor insured.
Every insurer asks about your health, smoking, work and hobbies. Answer each question fully and accurately. An insurer may refuse a claim if information on the application was wrong or left out, so your advisor goes through the questions with you before you apply.
Most applications are decided on your answers. Depending on your age, the amount of cover and your answers, the insurer may ask for more medical information. Your advisor deals with the insurer for you.
Often yes, sometimes at a higher price or with an exclusion. Insurers view conditions differently, which is why comparing the market matters most when your history is not straightforward.
Death in service from a company pension scheme can pay up to four times salary, and only while you stay in that job. If you move or stop working, it stops. Personal cover stays with you for the full term.
An option to convert your policy into a new one for a longer term without giving new evidence of your health. You pay more for it, and it can be worth it if your health changes.
Checked 7 October 2026.
Two minutes online for live prices from the main Irish insurers, then a senior advisor helps you choose.