Young Family Life Insurance

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Life insurance is there to protect your young family financially if something happens to you. Every family is different, but the one thing that unites parents is the desire to do the best by their kids.

Life however can be unpredictable. It’s difficult to consider, but your loved ones could encounter a very different life to the one you plan for them if you pass away or are diagnosed with a terminal illness. If you have young children, a mortgage and other debts, how would your family cope without your support?

Life Insurance plans offered by One Quote, provide a tax-free lump sum payment to help give your family financial security in the event of your death. It can make life’s great opportunities still possible for your partner and children: travel, education, and a comfortable quality of life.

When should I get life insurance?

Whether you already have children or are making plans to start a family, there are benefits to getting covered as early as possible.

A family’s early years are often filled with milestones – weddings, babies, new house, new cars, childcare, and increased living costs. They are exciting yet expensive and can come with substantial ongoing family debt.

Life insurance can help with the future costs your family may face if you pass away or are diagnosed with a terminal illness. These costs could include:

  • Credit card debt
  • Property maintenance
  • Household bills and everyday living costs
  • Childcare
  • Travel
  • Education expenses


What type of life insurance could I get to protect my family?

The right policy for you will depend on your family’s circumstances and could include optional benefits. Typically young families opt for cost effective Term Life Insurance which comes with other featured benefits, such as terminal illness cover and free children’s cover. These policies also allow for the addition of Serious Illness Cover under the same plan.

How much will it cost?

The premium for your life insurance policy will be based on your age, whether you smoke and your level of cover. Your current health will also be considered.

The earlier you take out life insurance when you are young and healthy, the cheaper your premiums usually are. If you are young and healthy, you are generally eligible for a wider range of different cover options and are able to better protect your family. The older you get, the harder it may be to obtain cover.

Get a quote

We can’t avoid the unexpected, but we can plan for it. If you would like to find out more about life insurance and how it can help your family, speak to’s team of advisors on 01 845 0049 or request a quote today.

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