Irish Life Life Insurance

Irish Life is one of Ireland’s leading life and pensions companies, with over 1.3 million customers. They have been operating since 1939, offering Life Insurance, Illness Cover, Pensions & Health Insurance.

In 2021, Irish Life paid €281.2 million to its customers, across 6,847 claims, including both Living Benefits, like illness cover and Death Benefits.

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Irish Life’s Life Insurance in Ireland

It’s never too early to start thinking about life insurance. Whether you’re looking to protect your family, home or business, they have a range of life insurance policies to suit your needs. They are designed to give you peace of mind, knowing that your loved ones will be taken care of financially if something happens to you. They have a range of policies to suit different needs and budgets so that you can find the right cover for you.

The expert financial advisors at Greenway Financial are passionate about providing our customers with the best coverage and service. If you have any questions or want to get started with Irish Life’s Life Insurance, please don’t hesitate to contact us.

 We offer:

What Makes Irish Life's Life Insurance Special?

Irish Life invests in its product offering & customer service, offering complimentary & optional special features.

Life Care:

Life Care allows its customers to access MedCare, NurseCare and ClaimsCare, valuable extra support and assistance for you and your family, all at no additional charge.

Accidental Death Benefit:

If you apply for Life Insurance with Irish Life and you’re under 55, you’ll be covered for up to €150,000 if you die due to accidental death before your policy has been issued, up to 30 days from when they receive your application.

Children's Cover:

If your child dies during your policy term, Irish Life will pay out a sum of €7,000. This cover applies until your child is 21 if they’re in full-time education.

Guaranteed Insurability:

If you’re under 55 and your life changes during your policy, for example:

  • You get married 
  • Have a child
  • Take out a new or extra mortgage
  • Get an increase in salary

You can set up a new policy with Irish Life for the lesser of €125,000 or half your initial insured amount.

Terminal Illness Benefit:

They will pay your full life cover sum if you’re diagnosed with a terminal illness so that you can use the lump sum when you really need it.

Benefits Continuation:

You can convert your cover to another policy, and you won’t have to provide new evidence of health. For example, you could reapply for an insurance policy at 50 using your health details from when you were 30!

The Whole of Life Conversion:

Irish Life is the only insurer that will allow you to convert a fixed-term life insurance policy to a Whole of Life policy.

For Smokers:

Irish Life rewards successful quitters! When you convert your policy, you can let Irish Life know you’ve quit and benefited from non-smoker status.

Irish Life: Life Insurance

Irish life insurance mortgage protection


Feature Answer
Minimum Premium: €15.15 per month
Minimum / Maximum Term 2 years / 50 years / 40 years with Specified Illness Cover
Are children covered? Yes, for €7,000
Can I put my partner on the policy? Yes
Applicants must be: 18-82 for beginning a Life Cover policy (policies with indexation cannot be taken out after age 65 next birthday)
Cover expires at:
  • 84 for Life Cover
  • 74 for Specified Illness Cover

Specific Illnesses Covered?

  • Yes
  • 45 full payment illnesses/conditions

  • 23 partial payment illnesses/conditions, (the lower of €15,000, or half your cover)

  • For Coronary Angioplasty, partial payment is the lower of €40,000, or 75% of your cover

Children's Specific Illness Cover?

  • Yes
  • The lower of €25,000, or half your cover, on full payment illnesses

  • The lower of €7,500, or half your cover, on partial payment illnesses

Is there a Conversion option?

  • Yes
  • Max age for Conversion is: 79

Rolling Conversion Option?

  • No

Optional Flexibility?

  • Yes

Guaranteed Insurability?

  • Yes


  • Yes

Temporary Accidental Death Benefit?

  • Yes

Terminal Illness Benefit?

  • Yes

Waiver of Premium Option?

  • No

Other Benefits?

  • Irish Life Medical 2nd Opinion Service

Contact Us for Irish Life’s Insurance Policy

No one knows when their time will come, but with Irish Life’s life insurance, you can be sure that your loved ones are taken care of financially if something happens to you. That’s because Irish Life offers some of the best life insurance rates and great value in Ireland.

Call us today for more details and give your loved ones the peace of mind they deserve.

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