Does life insurance in Ireland have exclusions?

Yes, but they’re rare. Life cover either accepts you fully or declines you. The only standard exclusion is suicide within the first year.

Will my life insurance pay out if I die abroad

Yes, Irish life insurance covers all causes of death worldwide — as long as your policy was honestly completed and is active.

Can I be excluded from serious illness or income protection cover?

Yes. If you’ve had a health issue like depression, cancer, or back problems, the insurer might offer cover with an exclusion for that condition.

Nick McGowan | Life Insurance Specialist

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Life Insurance Exclusions Ireland 2025 | What’s Covered & What’s Not

Think life insurance always pays out?

Not quite.

Learn about the only real exclusion in Ireland — and what to watch out for on serious illness and income protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 25 2025 3 min read Life Insurance

Life Insurance with Back Pain

Back pain won’t usually affect your life insurance, but income protection is a different story.

Here's what insurers look for and how to get cover without drama.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 8 2025 3 min read Medical Issues & Life Insurance

Zurich Life Income Protection Review (2025)

Thinking about Zurich Life for your income protection?

We break down their top benefits — including early intervention, hospital cover, and salary top-ups — and compare them to Aviva, Royal London, and more so you can choose with confidence.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 16 2025 5 min read Income Protection Insurance

Irish Life Mortgage Protection Review 2025

Looking at Irish Life for mortgage protection?

Here's an honest 2025 review covering prices, extras like illness cover, and how they compare to other insurers in Ireland.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 7 2025 5 min read Mortgage Protection Insurance

Can you Combine Mortgage Protection and Life Insurance on one Policy?

combining life insurance and mortgage protection

You’re probably buzzing about your new home – but before you pop the champagne, make sure you’re not handing your life insurance payout straight to the bank.

Here’s how to avoid the most common mortgage protection mistake in Ireland.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 5 2025 7 min read Mortgage Protection Insurance

Pension Term Assurance: A Guide for Business Owners

Pension Term Assurance is a valuable tool for ensuring your family's financial security while taking advantage of tax savings.

For business owners, it’s an effective way to provide peace of mind without a heavy financial burden.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 11 2024 4 min read Life Insurance

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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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