Life Insurance is an insurance policy that provides a lump sum payment if one of the policy holders dies. It can be held by one person or two (typically a couple).

The life insurance benefit / amount and term of the policy will be decided upon and fixed at the beginning of the policy. If someone dies within the term of the policy, the benefit will pay out.

If you have financial dependents, or anyone who will be negatively affected by your death, you need life insurance.

It is completely dependent on your personal circumstances. We can help you work out the most appropriate life insurance benefit to protect the people you love the most.

For couples who are renting, we strongly recommend you have enough life insurance cover so that in the event of a death, the surviving person can buy a family home and own the roof over their head – with no liability to debt to a landlord or bank.

For people with dependent children, we focus on what replacement income would be needed should an income stop.

Affordability will allows be factored into any recommend we provide. We are strong believers that some cover is better than none.

MyLife Insurance is an Insurance and Financial Advisory brokerage. We are regulated by the Central Bank of Ireland. We work with all Life Insurance, Pension and Investment providers in Ireland –  Irish Life, Zurich Life, Royal London, New Ireland and Aviva.

We are a family business. Originally set up by Sean O’Connor in 1982, the company is now headed up Sean’s two Sons, Barry and Darragh.

At MyLife Insurance, we treat every call and every inquiry with the utmost respect and integrity. We place huge importance in helping each person find the most suitable and best value options for their own unique circumstance.

We do not charge a fee for our advice or service. If we make a recommendation, based on what we feel is the best option for you, and you decide to proceed with cover – we will receive a commission from that providers. If you go direct to a provider, or through us, you will get the same price.

The factors that impact a life insurance quote are: your age, your smoker status, your health, the amount of cover you are looking for and how long you want the policy to run for.

Mortgage Protection Insurance is a type of Life Insurance. If you are drawing down a new mortgage, or if you have an existing mortgage, your bank will require you to have this cover.

Your bank will require you to have cover for the full amount owed and the full term of the mortgage. As you repayment the mortgage each month, your mortgage balance reduces. The Life Insurance cove reduces in line the mortgage. This cover is specifically designed to clear the mortgage balance in the event of a death of a mortgage holder.

Anyone who is drawing on a new mortgage, or anyone who has an existing mortgage – as part of your mortgage agreement, your bank will require you to have this cover.

You will need to cover the full amount you owe to the bank for the full term of the mortgage. If you are borrowing €300,000 over 30 years, you will need €300,000 Mortgage Protection Life Insurance for 30 years.

MyLife Insurance is an Insurance and Financial Advisory brokerage. We are regulated by the Central Bank of Ireland. We work with all Life Insurance, Pension and Investment providers in Ireland –  Irish Life, Zurich Life, Royal London, New Ireland and Aviva.

We are a family business. Originally set up by Sean O’Connor in 1982, the company is now headed up Sean’s two Sons, Barry and Darragh.

At MyLife Insurance, we treat every call and every inquiry with the utmost respect and integrity. We use a price comparison software which compares quotes and cover from all providers. We guarantee to thoroughly research the market to help you find the lowest cost cover available.

The factors that impact a life insurance quote are: your age, your smoker status, your health, the amount of cover you are looking for and how long you want the policy to run for.

Serious Illness cover is also referred to as Specified / Critical Illness Cover. It covers the policy holder for a set number of medical illnesses and conditions. Most providers will cover 70+ illnesses. The most commonly claimed illnesses are cancer, heart attack and stroke.

If the policy holder is diagnosed with one of the illnesses covered under the policy, they received a tax free lump sum payment.

We recommend everyone should have some level of Serious Illness cover. We are all at risk of being diagnosed with a serious illness. If this happens, it can have a major financial impact. Time way need to be taken off work, additional help or resources may be needed. Hospital expenses and other expenses can add up.

Serious Illness cover is designed to provide a tax free lump sum payment to help provide financial support during these challenging times.

It is completely dependent on your personal circumstances. We can help you work out the most appropriate Serious Illness benefit to protect you and your family.

We focus on what replacement income would be needed for someone was diagnosed with an illnesses.

Affordability will allows be factored into any recommend we provide. We are strong believers that some cover is better than none.

MyLife Insurance is an Insurance and Financial Advisory brokerage. We are regulated by the Central Bank of Ireland. We work with all Life Insurance, Pension and Investment providers in Ireland –  Irish Life, Zurich Life, Royal London, New Ireland and Aviva.

We are a family business. Originally set up by Sean O’Connor in 1982, the company is now headed up Sean’s two Sons, Barry and Darragh.

At MyLife Insurance, we treat every call and every inquiry with the utmost respect and integrity. We place huge importance in helping each person find the most suitable and best value options for their own unique circumstance.

We do not charge a fee for our advice or service. If we make a recommendation, based on what we feel is the best option for you, and you decide to proceed with cover – we will receive a commission from that providers. If you go direct to a provider, or through us, you will get the same price.

The factors that impact a Serious Illness Insurance quote are: your age, your smoker status, your health, the amount of cover you are looking for and how long you want the policy to run for.

Income Protection is the most comprehensive financial protection policy available. It provides a replacement income if you cannot work due to any accident, any illness or any injury. It is your complete financial safety net. If for any reason you cannot go to work and earn an income, this provides a replacement income.

Anyone earning a decent income should have Income Protection. Most people have no sick pay benefits through work. Self-Employed people have no entitlements. And even those who do have sick pay benefits, they may only last a couple of months at best.

The State Social Welfare benefit is €203 per week. This can be a huge drop in income for many people. For anyone who wants to protect themselves financially against the impact of illness health or injury, Income Protection is the best solution.

If you have financial dependents, or anyone who will be negatively affected by your death, you need life insurance.

The maximum benefit you can have is 75% of your gross salary (less the State Social Welfare benefit if you can claim for it). We stress that this is the maximum. People often to choose the level of Income Protection they feel they would need to get by.

Affordability will allows be factored into any recommend we provide. We are strong believers that some cover is better than none.

MyLife Insurance is an Insurance and Financial Advisory brokerage. We are regulated by the Central Bank of Ireland. We work with all Life Insurance, Pension and Investment providers in Ireland –  Irish Life, Zurich Life, Royal London, New Ireland and Aviva.

We are a family business. Originally set up by Sean O’Connor in 1982, the company is now headed up Sean’s two Sons, Barry and Darragh.

At MyLife Insurance, we treat every call and every inquiry with the utmost respect and integrity. We place huge importance in helping each person find the most suitable and best value options for their own unique circumstance.

We do not charge a fee for our advice or service. If we make a recommendation, based on what we feel is the best option for you, and you decide to proceed with cover – we will receive a commission from that providers. If you go direct to a provider, or through us, you will get the same price.

The factors that impact a life insurance quote are: your age, your smoker status, your health, your occupation, the term from which you are out of work until the payment starts, the amount of cover you are looking for and how long you want the policy to run for.