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Get the Best Life Insurance Quotes for Free

Life insurance gives you great peace of mind knowing that your loved ones could have financial security should the worst happen.

You can also get critical illness cover added to your life insurance cover, so if you are diagnosed with any one of a list of common diseases the policy could also help with repayment of your mortgage in the form of a lump sum.

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Life Insurance Benefits

Life Insurance gives wonderful peace of mind, knowing that should you die prematurely during your mortgage term, your family will be able to pay off the remaining balance on your mortgage. Should you wish, your Life insurance can also include sickness cover; so if you suffer any of a list of illnesses it can also help with repayment of your mortgage in the form of a lump sum.

The amount of life insurance cover you may need and the length of time you should be protected for, all depends on the amount and duration of your mortgage. As you pay off your mortgage balance, your life insurance cover generally reduces in line with the reducing amount you owe on your mortgage.

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Frequently Asked Questions about Life Insurance Quotes In Ireland

What Determines the Cost of Life Insurance?

The cost of your policy will be determined by several things such as the amount of cover you choose, your age, your health status, joint or dual cover and how long you want to your policy for. Of course, smokers might have to pay more than non-smokers.


Is it Important to Buy Life Insurance Cover?

It depends on your personal circumstances. You might need cover if you have a family or others who depend on you for financial support, or if your job or pension plan lacks life insurance benefits.

However, you might not need cover if you have no dependents or if you already have life insurance benefits through your work or pension plan.
Make sure you discuss your specific needs in detail with a financial advisor before taking out a life insurance policy.


What is Indexation?

Indexation can help automatically increase your existing level of cover in line with inflation, so your benefits actually increase over time. It is available as an “add on” to your policy.

For instance, if you opt for life insurance for more than 10 years for €100,000, you can choose an indexation option of 5% to increase your level of cover by 5%. Also, your nominees will get almost €130,000 instead of the original €100,000 should you die in year five of the policy.


What is joint life cover?

Joint life cover involves two lives being insured. However, only one application and regular payment is made. Some couples, married or not, chose a joint policy as the cost is usually cheaper than two single policies. The main reason for this is that the policy will pay out only once. Typically, the payment is made when the first of the two people die. Once paid out, the policy automatically ends and the surviving partner will be uninsured.


What is whole-of-life cover?

Whole-of-life cover is an insurance policy that will last for an entire lifetime. Therefore, it is not limited to a specific term. This policy will pay a tax-free lump sum payment to your family in the event of your death. As long as you keep making the premiums, you will be covered by your policy.


Do I need life insurance cover in Ireland?

Life insurance policies will pay money to your partner following your death. Therefore, if your partner is financially dependent on you, you should start considering your life insurance options. Having life insurance cover in Ireland will provide support to your family if you pass away. This lump sum can be spent on replacing lost income, paying for funeral costs or providing education or child care.


How much does life insurance cost in Ireland?

The cost of your policy depends on several factors. These can include your age, how long you want the policy for, your health status and what type of cover you would prefer, whether it be single or joint life cover. Furthermore, smokers will pay more for their life insurance cover than non-smokers due to the associated risks. Fortunately, with Best Insurance Quotes, you can get life insurance quotes in just 30 seconds.


What is not covered by life insurance in Ireland?

Life insurance will pay a lump sum to your family in the event of your death. However, life insurance does not cover serious illness or disability. You will also not be covered if dishonesty or fraud is expected and if your term expires. Another common exclusion to most insurers is death “at your own hand”. Commonly, if you die due to suicide within the first year of taking out a life insurance policy, then you will not be covered.

Is Medical Examination Required to Get Life Insurance?

Well, it depends. If you are in good health, then you might not need it. However, if you have a history of medical conditions, are over a certain age, or are looking for a large amount of cover then you might be asked to undergo a medical examination or a medical questionnaire over the phone. It is generally conducted and paid by the life insurance company.


What is Term Life Insurance?

A term life insurance policy is a type of policy that only pays out if you die within a specified term. That could be 10, 20, or even 30 years from the date your policy starts.

Term life insurance is one of the simplest forms of life insurance cover; and you are covered by paying a specific premium on a regular basis. It can also be cheaper than other types of life insurance policy, and your premium could even reduce as your policy matures.


What is life cover?

Life cover, also referred to as life insurance, is a policy that will pay a tax-free amount if you die during the term of your policy. Many have a life cover policy in place to financially protect their family in the event of their own death. Furthermore, this can give peace of mind to their loved ones. You can choose the length of your policy when you apply. Single life cover consists of only one person being insured.


What is dual life cover?

Dual life cover insures two people. However, it differs from joint life cover as a payment can be paid on both deaths instead of just one. If both parties die during the term of the cover, then the policy covers each life. Therefore, if one person dies, the policy will continue for the surviving partner and they will remain insured.


How much does life insurance cover cost per month in Ireland?

The cost of your policy depends on several factors. These can include your age, how long you want the policy for, your health status and what type of cover you would prefer, whether it be single or joint life cover. Furthermore, smokers will pay more for their life insurance cover than non-smokers due to the associated risks. Fortunately, with Best Insurance Quotes, you can get life insurance quotes in just 30 seconds.


Do I need life insurance when taking out a mortgage in Ireland?

If you take out mortgage protection in Ireland, your policy will clear your outstanding mortgage balance if you die before paying it off. You should have life insurance when taking out a mortgage in Ireland to provide your family with protection. By having both a mortgage protection policy and life insurance, the remainder of your mortgage balance will be paid while also leaving a lump sum to support your family.


Is life insurance taxable in Ireland?

Whether or not your beneficiary must pay tax on life insurance proceeds depends on their relationship status with you. So, if an individual is married or in a civil partnership with the insured person, they are exempt from paying tax. However, if they are not married then the proceeds of life insurance in Ireland are taxed based on the Inheritance and Gift Tax Rate. Inheritances in excess of €16,250 are taxed at 33%.