What is the best mortgage protection insurer in Ireland?

There isn’t one universal best insurer. The right choice depends on your health history, whether you want added medical support benefits, and how flexible you need the policy to be in future.

Is the cheapest mortgage protection policy good enough?

If your health is straightforward, the cheapest option can work. If you have medical history, applying to the wrong insurer first can result in higher premiums or exclusions that follow you.

What is dual mortgage protection?

Dual life mortgage protection allows two potential payouts, one on each life insured. A joint policy only pays once.

Can I increase my mortgage protection later?

Most insurers offer a guaranteed increase option that allows you to increase cover after certain life events without answering medical questions again. Limits vary by insurer.

Does any insurer cover premiums if I become ill?

Zurich currently includes a waiver of premium benefit. If you are unable to work due to illness or injury for more than 13 weeks, they cover your premiums for a defined period.

Mortgage Protection Insurance Archives

Mortgage Protection Insurance

Best Mortgage Protection in Ireland (2026 Comparison Guide)

Side-by-side comparison of Ireland’s main mortgage protection insurers.

Understand underwriting differences, increase options and added benefits before you apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 24 2026 7 min read Mortgage Protection Insurance

Convertible Mortgage Protection in Ireland Explained

Convertible mortgage protection gives you flexibility later without new medical underwriting.

Learn how conversion options work, when they matter, and which Irish insurers offer them.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

May 6 2026 4 min read Mortgage Protection Insurance

Aviva Mortgage Protection Review

Aviva offers flexible mortgage protection with added benefits like Aviva Care, but the best insurer depends on your health and how you apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 22 2026 4 min read Mortgage Protection Insurance

Royal London Mortgage Protection Review

Royal London offers one of the strongest all-round mortgage protection policies in Ireland, but the best choice depends on your health and how you apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

4 min read Mortgage Protection Insurance

Zurich Mortgage Protection Review

Zurich is often one of the cheapest mortgage protection options in Ireland, but the lowest price doesn’t always mean the best outcome.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 21 2026 Mortgage Protection Insurance

Mortgage Exemptions Ireland Explained | LTI & LTV Exceptions

Mortgage exemptions can help you borrow more, but they also increase the risk at drawdown.

Here’s how they work and what to watch before signing contracts.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 20 2026 5 min read Mortgage Protection Insurance

New Ireland Mortgage Protection Review

Thinking of choosing New Ireland for mortgage protection?

It’s good, but there are situations where another insurer may suit you better.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 19 2026 3 min read Mortgage Protection Insurance

Irish Life Mortgage Protection Review 2026

Irish Life mortgage protection explained properly - costs, features, and when it’s the right choice (and when it’s not).

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 8 2026 5 min read Mortgage Protection Insurance

Can You Combine Life Insurance and Mortgage Protection?

You can combine life insurance and mortgage protection, but the outcome depends on timing.

In most cases, separate policies give better protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 2 2026 7 min read Mortgage Protection Insurance

Do You Need Life Insurance for a Mortgage in Ireland?

Think you need life insurance for your mortgage? You don’t — the bank just needs mortgage protection.

Here’s the difference, when to upgrade, and how to save.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 1 2026 Mortgage Protection Insurance

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