Effective from 24.03.2026
Lion.ie is a trading name of Gowran Insurance Consultants Ltd, which is regulated by the Central Bank of Ireland.
We are authorised as:
You can verify our registration on the Central Bank of Ireland website (www.centralbank.ie).
We are subject to:
These codes are available on the Central Bank of Ireland website.
We advise on and arrange the following products:
We act as a multi-agency broker, working with a panel of insurers, typically including:
A full list of insurers is available on request.
We provide advice on a fair and personal analysis basis.
This means:
Insurers assess risk differently. In some cases, the order in which you apply can affect the outcome.
Where appropriate, we may:
If you request that we proceed without advice:
We will make this clear to you where applicable
We are typically remunerated by commission from insurers when a policy is arranged.
This may include:
This does not affect our obligation to act in your best interests.
You can find our Commission Summary Document here:
In certain circumstances, we may charge a fee. This typically applies where additional work is required, for example:
These fees reflect the time and expertise involved in preparing, structuring, and managing applications.
We will always notify you in advance if a fee applies.
Where commission is also received, this may be offset against the fee.
When applying for insurance, you are required to:
You should review all application forms and policy documents carefully to ensure accuracy.
Failure to do so may affect the validity of your policy or the outcome of a claim.
We will assist you with any queries you may have in relation to your policy and in the event of a claim.
Your circumstances may change over time.
We recommend reviewing your cover regularly.
We are available to assist with this, but ongoing reviews are not provided automatically unless agreed.
While we are authorised as a mortgage intermediary, we do not currently arrange mortgage products.
Our focus is on insurance advice and protection planning.
It is our policy to avoid conflicts of interest.
Where a conflict arises, we will:
We recognise that some customers may be in vulnerable circumstances from time to time.
This may arise due to factors such as health, life events, financial difficulty, or personal circumstances.
Where we identify that a customer may be vulnerable, we will:
If you feel you may need additional support at any stage, please let us know.
If premiums are not paid:
You should refer to your policy documentation for full details.
You can find our Complaints Handling Procedure here:
https://lion.ie/complaints-procedure/
You have the right to cancel:
Full details are outlined in your policy documentation.
We comply with the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.
Our Privacy Notice is available at:
https://lion.ie/privacy-statement
We are members of the Investor Compensation Scheme.
This scheme may provide compensation in certain circumstances where a firm is unable to meet its obligations.
Further details are available on request.
We may update these Terms of Business from time to time.
Where changes are material, we will notify you in advance.
057 93 20836
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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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