So What Should You Do If You’ve Got a Mortgage and a Family?

Simple. Take out two policies, one life insurance for your family, one mortgage protection for the bank.

Can You Use an Existing Life Insurance Policy for Your Mortgage?

Yes — as long as the cover amount and term are at least equal to your mortgage amount and term.

Can You Get a Cheaper Mortgage Prtotection Deal by Bundling Everything Together?

Despite what the insurers tell you, no single insurer is best for life insurance, mortgage protection, serious illness cover, and income protection. If your advisor is pushing one company for everything, ask yourself why.

Mortgage Protection Insurance Archives

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

How to Choose a Solicitor When Buying a House in Ireland

Choosing a solicitor is one of the most important parts of buying a house in Ireland.

This guide explains what actually matters, what to avoid, and how the wrong choice can delay your mortgage.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 25 2026 5 min read Mortgage Protection Insurance

Genetic Testing in Ireland: Cost, Results & Life Insurance Explained

Genetic testing in Ireland costs between €250 and €2,000 depending on the test.

While insurers can’t use your results, they will assess your family history and any ongoing investigations.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 23 2026 5 min read Mortgage Protection Insurance

Mortgage Protection for Unmarried Couples in Ireland

If you’re not married, how you set up your mortgage protection can affect the inheritance tax bill if one of you dies.

Here’s how to reduce the risk and get it right from the start.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 21 2026 4 min read Mortgage Protection Insurance

What Happens Mortgage Protection When You Pay Off Your Mortgage?

When your mortgage is cleared, your mortgage protection can be cancelled or kept as life insurance.

Here’s how it works and what to consider.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 17 2026 4 min read Mortgage Protection Insurance

The One Plan & Bank-Bundled Insurance: What You’re Not Told

Banks often bundle mortgage protection, life cover and Bill Pay into one policy during the mortgage process.

This guide explains what’s really included, who owns the policy, and why Bill Pay is often mistaken for income protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

5 min read Mortgage Protection Insurance

Smoking & Life Insurance in Ireland

If you smoke or vape, life insurance in Ireland can cost up to twice as much as non-smoker cover.

This guide explains how insurers define a smoker, how vaping affects premiums, and how you can switch to cheaper non-smoker rates after quitting.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 13 2026 4 min read Life Insurance Mortgage Protection Insurance

Mortgage Protection Insurance Cost in Ireland (Average Prices for 2026)

Mortgage protection in Ireland costs about €33 per month for the average first-time buyer couple.

But the real price depends on your age, mortgage size, health and which insurer you apply to.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 12 2026 Blog Mortgage Protection Insurance

Do You Need Life Insurance When Renting?

Do you need life insurance when renting?

Learn when life cover makes sense for renters and why income protection is often the bigger financial risk.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

March 6 2026 3 min read Mortgage Protection Insurance

What is a Loan Clause When Buying a Home in Ireland?

A subject to loan clause protects you when buying a home by allowing you to withdraw if your mortgage approval falls through before contracts are binding.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

5 min read Mortgage Protection Insurance

Life Insurance Quotes - Free and Easy!

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!

Watch our video