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Life Insurance

Life Insurance Explained 2025

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  • âś… Pick your goal: Protect your family, your mortgage, or your income.
  • âś… Get instant prices across all 5 insurers (no bank bias).
  • âś… Have a medical condition? We’ll match you with the most sympathetic underwriter first.

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“How do I protect my loved ones if I die?”

It’s the kind of question that keeps you staring at the ceiling at 2am. Nobody wants to picture it — dying unexpectedly and leaving your family behind — but burying your head in the sand isn’t a plan. Life insurance is.

I’m Nick, a broker who’s been sorting this stuff for two decades. I’ll keep the jargon out of it and give you the useful bits in plain English. You’ll get the “need-to-knows”, a quick way to get covered, and a few insider tips so you don’t overpay or buy the wrong thing.

Why you might actually need life insurance

If anyone relies on your income, life insurance creates a tax-free lump sum for them if you die during the policy term. It’s not glamorous, but neither is a bank letter when the bills keep coming after your family has lost the breadwinner.

Think of it as buying your family time: time to keep the roof over their heads, finish school, and figure things out without panic. In short, you’re paying an insurer to replace the income of the deceased.

Side note: we all hope to be around long enough to hear the next Oasis reunion tour, but planning properly means your family aren’t relying on wishful thinking.

Which cover is which? (no nonsense, no fluff)

Term Life Insurance (most common)

Insures you for a fixed number of years (say 20–30). If you die during that term, your family gets the lump sum. It’s usually the best value for young families.

Whole of Life (lifetime cover)

Pays out whenever you die — guaranteed — so it costs more. Good if you want a legacy no matter what, or to cover funeral costs.

Mortgage Protection (for the bank)

Decreasing cover that clears the mortgage balance if you die during the mortgage term. It’s mandatory for home loans, but the bank’s own policy often isn’t the best value. Read our mortgage protection guide.

Income Protection (for you)

If illness or injury stops you working, this pays you a monthly income (up to 75% of salary) until you’re back on your feet — or to the end of your claim term. It’s the most useful policy you can buy while alive. More on Income Protection.

Serious Illness Cover (a lump sum if you get a specified illness)

Pays a lump sum on diagnosis of an illness listed in your policy (e.g. many cancers, heart attack, stroke). Not as broad as Income Protection, but a useful bolt-on or standalone if budget is tighter. Serious Illness explained.

How much cover do I need?

There’s no one-size-fits-all, tell me about your setup and I’ll recommend an amount you won’t regret — or overpay. 👉 Get a tailored recommendation

What does it cost?

Less than most people think.

Premiums depend on age, smoker status, amount/length of cover, health, and extras like convertibility.

👉 See your prices across the five insurers

The features that actually matter

  • Conversion option: lets you extend or take new cover later without new medical questions. If your health changes, this is gold.
  • Guaranteed Insurability (GIO): increase cover after big life events (marriage, baby, new home) without medicals.
  • Children’s cover: small built-in benefit on many plans (grim topic, but useful to know).
  • Medical second opinion: some plans include a global specialist review of diagnosis/treatment.
  • Free Digital GP: available on some plans

Banks vs Broker (why it matters)

The bank typically offers one insurer. We compare all five (Aviva, Irish Life, New Ireland, Royal London, Zurich), and match you with the one that suits your health history and budget. If you’ve any medical niggles, picking the right underwriter first can save you a lot of grief (and cash).

Short version: don’t let the lender’s convenience cost you for the next 20–30 years.

Ready to see your best options?

👉 Get instant quotes  |  Prefer advice first? Tell me about you


FAQs (quick answers, no waffle)

Is life insurance the same as mortgage protection?

No. Life insurance protects your family with a lump sum. Mortgage protection clears the mortgage for the bank. Many households need both.

Should I buy from my bank?

You can, but they’re tied to one insurer. We price and place your policy across all five, and we’ll find the most sympathetic underwriter first time around.

Term or Whole of Life?

Term is best value for family protection while kids are dependent. Whole of Life is for guaranteed payout (e.g. legacy or funeral cover). You can combine them.

What if I’ve a medical condition?

Be honest on the form. We’ll present your case to the right underwriter, often with a short medical questionnaire instead of a full medical. Start here: medical/advice questionnaire.

How much should I insure for?

If you’d like a number that fits your household, I’ll calculate it and recommend an insurer.

Thanks for getting this far!

Nick

🚀 Next Steps

Ready to sort your cover? Take the next step:

👉 Get instant quotes
👉 Complete our financial advice questionnaire
👉 Book a quick callback with Nick

Benefits of Life Insurance with lion.ie

life insurance

  • A tax-free lump sum paid out to your loved ones in the event of your death.
  • You’ll get peace of mind that your family will be financially secure.
  • The option to bundle Serious Illness Cover, for a few quid a month extra so that you get a pay-out if you get one of a list of serious illnesses.
  • We work with all five insurers so we’ll get the best deal for you.
  • We’re Ireland’s leading insurance expert for Life Insurance for the chronically ill. The HSE estimates that 1 in 4 people in Ireland have a chronic illness – and we believe that everyone should have access to Life Insurance, regardless of their situation.

Ultimately, no one wants to have to pay for Life Insurance (trust me, as a dad of young kids, I get it!), but if you have a family or dependents, it’s one of the best things you can do for them.

How much will it cost to protect my family?

Why Lion.ie?

I believe in plain English and in avoiding the makey-uppy terms insurers and banks use to bamboozle you. After all: if you can’t understand what they’re saying, how are you meant to get the best deal?

Life Insurance Email Crash Course

Want to know a secret?

The insurers payout on 97 percent of death claims – so now you know that your family’s future will almost certainly be secured.

What else?

We’re an online broker so we can arrange everything, including the signing of your documents over t’internet.
We specialise in getting cover for people with health issues or quirky medical condition.
We give you unbiased advice on a choice of policies from Aviva, Irish Life, New Ireland, Zurich Life and Royal London. That’s all five of the main Irish insurance companies.

. Remember if you go through your bank or directly to an insurer, you don’t get any choice of provider. They just sell you what they have.

Look, it all boils down to this: I think it’s wrong that Life Insurance companies and banks make it so bloody difficult to get cover, especially if you’re in the chunk of the population who has a health issue.

It’s just not fair.

I founded lion.ie because I’m on a mission to make life insurance possible for everyone.

I’ll lay it all for you in plain English and I’ll give you professional advice so you can get the right deal for you. I can’t wait to speak with you and to make life insurance a little less drab and a little more fun.

Nick McGowan
lion.ie | making life insurance easier

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