Life Insurance Quotes

We pledge to beat any life insurance quote, from any life insurance provider, operating in the Republic of Ireland.

Life Insurance Cover Quotes

family protection

Safeguarding your family's future

Our free life insurance quotes comparison calculator, allows you to instantly compare quotes form all of the leading life insurers in Ireland.

It's a really easy way to find the life policy that's right for you and at the best possible price too.

Online Life Insurance Quotes

life insurance

Life Insurance Quotes

Run your quotes to get these leading complimentary benefits and more:


Advance Life Coverage


Terminal Illness Benefit


Children’s Life Cover


Guaranteed Insurability

Premier Life Insurance Quote results

Premier Life Insurance

Our life insurance plans lead the market, are highly flexible, fully comprehensive, and come at an unbeatable price, to include your first month free!

Once you input your details, your free quotes will arrive in seconds, with the best policy coverage price matched to cheapest market offering.

You will instantly receive your life insurance customer policy guide, and digital application via email.


Quick, simple and hassle-free...

Instant life insurance quotes, with full details sent to your email.

Quote Details


Cover Extras


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Optional Life Insurance Quote ad-ons

additonal policy options

Optional add-ons

Should you also wish to include Specified Serious Illness, simply enter the cover amount you require, not exceeding your life cover amount.

You can also choose to add a Conversion Option to grant the ability to extend your policy term, free of fresh health evidence in the future.

The final optional extra is Inflation Protection, to protect the value of your chosen benefits by automatically indexing both the cover and premiums on an annual basis.

Hassle Free Life Insurance Quotes Process

it'so simple

It's hassle free

To start with, there's no need for a trusty pen, printing or posting. Your life insurance application can be completed on screen, and you can sign digitally.

In fact, if you have no health issues, cover can start immediately, or at your specified start date. But don’t worry, if the underwriters do need a GP report, or even require a nurse medical, we cover the cost our end.

Questions & Answers

Life Insurance Quotes - FAQ's

All you need to know in regards to your life insurance quotes.

Term life insurance is a fixed price life insurance policy, the term of which you choose and is the most popular and cost-effective type of family protection policy.

Term life insurance

Term life insurance is the cheapest type of life insurance policy, and for a fixed price you can choose your policy term. 

For example, to cover a male, non-smoker age 50, for €300,000 life insurance to age 65, would cost €50.00 pm.  This includes the ability to reduce the cover and extend the term to maximum age of 91, free from fresh health evidence.

It’s important to understand that a higher amount of cover to needed during your working life, than when retired when your dependants are grown, and you no longer have mortgage repayments.

Obviously the more cover the better should a claim occur and the policy must prove affordable.

For family protection purposes, the lump sum provided by your life insurance policy, should be ideally invested to provide an income over a set time frame. For example, based on current interest rates €450,000 life cover would provide an income replacement of circa €30,000 for 20 years.

On average, ideally, your total amount of life cover should equate to 2/3rd of net annual income multiplied by your number of years to retirement. 

Remember to include a “continuation option” to retain the option to review and extend cover beyond retirement, come that time.


Term Life Cover can be taken out to age 91 next birthday, but this may prove expensive, so  we recommend a higher level of cover up to retirement age (65) and then reducing your cover down in old age.

You need a higher level of cover to help replace lost income when you’re working but a lower level of cover once retired to cover funeral expenses etc.

To allow this level of flexibility, include a “Continuation Option” in your quote.

However, if you’re already retired and you are more concerned about funeral cover, then compare the cost of whole of life insurance against term life insurance and opt for what’s affordable.

For a small additional cost, a continuation option is a very valuable benefit that allows you to extend your cover under a new policy. You can use this option at any stage throughout your policy term, without having to provide any fresh evidence of health.

Inflation protection works by protecting  the value of your chosen benefits, by automatically indexing both the cover and premiums on an annual basis.

Life insurance benefit is paid out as a tax-free lump sum. Joint and Dual life policies are paid directly to the second life assured and are always tax-free, as they don’t form part of your estate. Typically, unless you leave a very large estate on your death, your spouse will not have to pay tax on the life insurance pay-out.

However, anyone who inherits the money after your death, depending on their relationship to you, may have to pay inheritance tax. How much tax they pay depends on how much they inherit and Revenue rules at the time of your death. If you have a large estate, you can buy a specific type of life insurance policy, to provide a tax-free lump sum to cover any inheritance tax liabilities that your beneficiaries may have when you die.

If you arrange a policy on your own life only, the benefit is paid directly to your estate and distributed in accordance with your will. Alternatively, you can arrange the policy in trust for payment to whoever you have named as the beneficiary, once the insurer has received proof of your death.

If your spouse or partner takes out a policy on your life, the benefit could be paid to them without going to your estate. If you have a 2 person policy the benefit is usually paid directly to the surviving policyholder named on the policy.

Should you choose to add serious illness cover to your life insurance policy you will also be covered for a tax-free lump sum payment in the event of a serious illness claim on one of up to 91 specified serious illnesses. Your policy quote will be on a “life & accelerated serious illness cover” basis meaning that a serious illness claim payout acts as an advance payment of your chosen life cover amount.

Joint cover means the policy will only pay-out one time only on the first to claim of the 2-people covered.

Dual cover will pay out again if a subsequent claim occurs during the policy term.

Joint cover is more suited to mortgage loan cover and dual cover for family protection. Dual cover also allows for different levels of cover on each person as required, so in effect offers better and more flexible cover, at very little extra cost.

Yes, we quote only guaranteed premiums without reviews. If you choose to inflation protect your cover (3% per annum) by including indexation, the cost will also increase at an average rate of 4% per annum dependent on the insurer.

Typically there is no need to do a medical. However, if you are seeking a very high level of cover for your age, or for applicants with a serious ongoing medical condition, a medical exam may be needed. If this is a concern, it’s best to be upfront and give us a call and we will quickly be able to tell you, what extra medical information will be sought.

It depends on the condition, how serious it is, and how progressive it is! The underwriters will seek specific information from you and sometimes your GP or consultant, before confirming its effect if any!

Once you run your quote, we will email you full cover details along with your online application form. Simply follow the instructions in this email, on how to apply by telephone and email. It will also include a link to your Customer Guide so that you can easily check out your policy coverage options!

You will need to answer health-related questions and in some cases, additional health questionnaires may be required. Dependent on your age and cover level a GP attendance report may also be sought.

Your life insurance quote will remain fixed until your next birthday occurs. Once your life insurance policy starts your premium remains fixed unless you increase your cover level.

One Quote works with all 5 leading providers of life insurance in Ireland.

We compare the market and grant a 20% discount on the cheapest providers’ price.

This cheapest price is then matched to the best market policy based on you quote inputs and fixed for your full policy term. 

The application process is made really simple and we provide a statement of product suitability to ensure that the recommended solution fully meets your needs.

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