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Non-Resident Life Insurance – Getting an Irish mortgage but living abroad


  • Very efficient and well organized – sourcing insurance from abroad is difficult – Nick @ took away all the hassle. Mark Donlon, Singapore.
  • Nick was very professional, efficient and above all, friendly. Paul McMahon, Dubai
  • Very friendly, approachable staff. Willing to help in any way they could. Prompt responses through email or phone. Excellent advice on which plan to suit your needs. I have already recommended them. Thank you very much, Nick. Pamela Hayer, Mangaf, Kuwait
  • Thanks for your assistance in a situation that required a quick turnaround and immediate action – an invaluable service. Ciara Gilleece, Australia
  • Excellent service was very helpful, very approachable, understood our needs, and I could not find fault in anything they did for us. Highly recommended! David, Stewarton, Scotland

With so many people leaving these shores to seek fame and fortune abroad, this is a question I am often emailed from afar:

Hi Nick,
We’re currently living abroad and are buying a property back home in Ireland but we’re having a hard time getting cover for the mortgage. Can you help with non resident life insurance?
Thanks in advance,

The good news is we can arrange non-resident life insurance cover for you…


…but there are some conditions:

Non-Resident Life Insurance & Non-Resident Mortgage Protection

Most life insurance companies will turn their back on you if you’re a non-resident.

You’re dead to them.

Apart from one.

But you must meet these five simple conditions.

  1. The mortgage protection is for an Irish property
  2. The mortgage protection is for an Irish residential mortgage.
  3. The mortgage is from an Irish lender.
  4. You must confirm you are in Ireland when you are signing your application form (the sight of travel details may be required)
  5. You must be returning to Ireland to live in the near term (6 to 12 months)
  6. The cover is not available for US residents.

In these times of COVID,  number 4 is the one that catches most people. There is no way around it; we’ve tried everything. Both parties to the mortgage must be physically present in Ireland when signing the documents.

Over to you…

Most of the Irish banks are now tied agents of Irish Life. This means they can only sell policies from Irish Life.

Therein lies the problem.

Irish Life doesn’t offer non-resident life insurance (nor do Bank of Ireland Life/New Ireland)

But don’t worry, you’re not alone.

We can help you like we’ve helped others.

If you need any help, please call me on

Or, if you prefer, fill out this short form, and I’ll be right back to you.

I prefer to work over email, so time zones don’t get in the way!

Nick McGowan
lion.i.e. | making life insurance easier

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