Cost Comparisons
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This survey is correct as at February 2010. Please read our disclaimer before you use our information.
Individual brokers and online brokers are not included in our cost comparison surveys. You should get quotes from a variety of sources including insurance firms, brokers and online. Remember, the cheapest quote may not always represent the most suitable product for your individual circumstances. Click on individual firms' names for more detailed information on quotes and always check the policy details before deciding to buy.
The survey provides you with quotes for both term life and mortgage protection policies. A term life policy pays out a fixed benefit if you die within a certain number of years (the term of the policy). A mortgage protection policy is a form of life insurance product, which lenders must make sure you have in place when you take out a mortgage on your family home and if you are under 50 years of age. It pays off the outstanding amount due on your mortgage if you die.
Profile Summaries
| Term life insurance - Profile One | Monthly cost of €250,000 term life cover over 25 years for somone who is 33 years old. |
| Mortgage protection cover - Profile One | Monthly cost of €250,000 mortgage protection cover over 25 years for someone who is 33 years old. |
| Term life insurance - Profile Two | Monthly cost of €300,000 term life cover over 30 years for somone who is 29 years old. |
| Mortgage protection cover - Profile Two | Monthly cost of €300,000 mortgage protection cover over 30 years for somone who is 29 years old. |
| Term life insurance - Profile Three | Monthly cost of €190,000 term life cover over 15 years for someone who is 45 years old. |
| Mortgage protection cover - Profile Three | Monthly cost of €190,000 mortgage protection cover over 15 years for someone who is 45 years old. |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 25.73 | € 45.67 | € 20.97 | € 31.80 | € 40.95 | € 71.56 | € 43.98 | € 73.95 |
| Aviva | € 25.73 | € 45.67 | € 20.97 | € 31.80 | € 40.95 | € 71.56 | € 43.98 | € 73.95 |
| Bank of Ireland Life3 | € 26.77 | € 46.43 | € 22.11 | € 32.77 | Not available | Not available | € 40.89 | € 71.23 |
| Caledonian Life4 | € 23.54 | € 40.61 | € 18.73 | € 30.54 | € 36.02 | € 62.01 | € 38.61 | € 66.64 |
| Canada Life5 | € 27.12 | € 53.13 | € 21.56 | € 38.48 | Not available | Not available | € 44.79 | € 87.72 |
| Danica Life6 | € 25.83 | € 44.35 | € 21.22 | € 31.52 | € 38.75 | € 67.29 | € 40.00 | € 69.98 |
| Friends First | € 23.73 | € 38.78 | € 19.02 | € 32.48 | € 36.44 | € 62.09 | € 40.21 | € 68.71 |
| Irish Life | € 25.82 | € 46.01 | € 19.95 | € 34.40 | Not available | Not available | € 39.20 | € 73.84 |
| New Ireland | € 26.77 | € 46.45 | € 22.12 | € 32.79 | Not available | Not available | € 40.91 | € 71.27 |
| Zurich | € 23.00 | € 43.64 | € 20.17 | € 30.63 | € 39.69 | € 70.00 | € 40.64 | € 71.75 |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 20.00 | € 31.93 | € 20.00 | € 24.76 | € 26.57 | € 45.36 | Not available | Not available |
| Aviva | € 20.00 | € 31.93 | € 20.00 | € 24.76 | € 26.57 | € 45.36 | Not available | Not available |
| Bank of Ireland Life3 | € 20.03 | € 32.16 | € 15.58 | € 24.93 | € 28.88 | € 49.17 | Not available | Not available |
| Caledonian Life4 | € 17.85 | € 29.01 | € 13.91 | € 22.66 | € 24.73 | € 41.67 | Not available | Not available |
| Canada Life5 | € 21.06 | € 34.19 | € 16.51 | € 27.37 | € 31.16 | € 54.39 | Not available | Not available |
| Danica Life6 | € 18.37 | € 29.99 | € 15.15 | € 23.52 | € 25.38 | € 43.25 | Not available | Not available |
| Friends First | € 21.38 | € 33.57 | € 17.99 | € 27.04 | € 33.41 | € 52.52 | Not available | Not available |
| Irish Life | € 19.76 | € 31.53 | € 15.13 | € 25.44 | € 28.39 | € 49.32 | Not available | Not available |
| New Ireland | € 20.03 | € 32.18 | € 15.58 | € 24.94 | € 28.89 | € 49.21 | Not available | Not available |
| Zurich | € 17.95 | € 29.26 | € 14.04 | € 22.80 | € 24.97 | € 42.02 | Not available | Not available |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 27.03 | € 47.71 | € 21.48 | € 32.59 | € 42.31 | € 73.91 | € 45.27 | € 76.79 |
| Aviva | € 27.03 | € 47.71 | € 21.48 | € 32.59 | € 42.31 | € 73.91 | € 45.27 | € 76.79 |
| Bank of Ireland Life3 | € 27.44 | € 47.38 | € 21.48 | € 33.62 | Not available | Not available | € 40.95 | € 73.02 |
| Caledonian Life4 | € 24.59 | € 45.60 | € 20.65 | € 31.68 | € 38.69 | € 67.53 | € 41.50 | € 72.58 |
| Canada Life5 | € 27.52 | € 54.19 | € 22.98 | € 38.13 | Not available | Not available | € 46.61 | € 88.43 |
| Danica Life6 | € 27.16 | € 46.63 | € 21.08 | € 31.93 | € 39.94 | € 69.95 | € 41.23 | € 72.46 |
| Friends First | € 27.39 | € 47.77 | € 22.08 | € 37.00 | € 42.50 | € 74.25 | € 46.93 | € 82.22 |
| Irish Life | € 25.71 | € 45.51 | € 19.63 | € 36.09 | Not available | Not available | € 38.78 | € 75.03 |
| New Ireland | € 27.45 | € 47.40 | € 21.47 | € 33.62 | Not available | Not available | € 40.95 | € 73.04 |
| Zurich | € 25.56 | € 45.78 | € 20.62 | € 31.86 | € 42.65 | € 73.31 | € 43.66 | € 75.11 |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 21.34 | € 32.63 | € 20.00 | € 26.89 | € 28.74 | € 47.14 | Not available | Not available |
| Aviva | € 21.34 | € 32.63 | € 20.00 | € 26.89 | € 28.74 | € 47.14 | Not available | Not available |
| Bank of Ireland Life3 | € 20.75 | € 31.96 | € 16.36 | € 25.49 | € 30.29 | € 49.51 | Not available | Not available |
| Caledonian Life4 | € 19.08 | € 28.20 | € 15.14 | € 23.81 | € 26.60 | € 42.03 | Not available | Not available |
| Canada Life5 | € 21.77 | € 34.79 | € 16.92 | € 27.22 | € 32.98 | € 54.79 | Not available | Not available |
| Danica Life6 | € 19.66 | € 29.90 | € 15.88 | € 24.16 | € 27.44 | € 43.73 | Not available | Not available |
| Friends First | € 23.18 | € 33.22 | € 17.48 | € 27.93 | € 34.57 | € 53.00 | Not available | Not available |
| Irish Life | € 19.90 | € 30.17 | € 16.61 | € 25.71 | € 29.94 | € 48.29 | Not available | Not available |
| New Ireland | € 20.76 | € 31.97 | € 16.35 | € 25.51 | € 30.30 | € 49.54 | Not available | Not available |
| Zurich | € 19.46 | € 29.25 | € 15.44 | € 23.93 | € 27.08 | € 42.51 | Not available | Not available |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 38.65 | € 71.93 | € 29.31 | € 53.95 | € 62.75 | € 120.55 | € 64.45 | € 122.37 |
| Aviva | € 38.65 | € 71.93 | € 29.31 | € 53.95 | € 62.75 | € 120.55 | € 64.45 | € 122.37 |
| Bank of Ireland Life3 | € 41.36 | € 79.14 | € 31.62 | € 57.38 | Not available | Not available | € 64.99 | € 128.54 |
| Caledonian Life4 | € 36.13 | € 70.05 | € 32.63 | € 57.25 | € 59.86 | € 112.54 | € 64.32 | € 121.10 |
| Canada Life5 | € 42.27 | € 91.20 | € 31.71 | € 59.35 | Not available | Not available | € 70.09 | € 146.66 |
| Danica Life6 | € 39.34 | € 72.70 | € 30.73 | € 53.48 | € 61.55 | € 117.10 | € 63.72 | € 121.51 |
| Friends First | € 37.49 | € 74.77 | € 28.36 | € 54.06 | € 57.23 | € 113.91 | € 63.31 | € 126.28 |
| Irish Life | € 37.95 | € 71.84 | € 29.20 | € 49.53 | Not available | Not available | € 60.58 | € 114.81 |
| New Ireland | € 41.37 | € 79.17 | € 31.63 | € 57.39 | Not available | Not available | € 65.02 | € 128.58 |
| Zurich | € 35.35 | € 75.25 | € 28.76 | € 53.92 | € 60.13 | € 120.51 | € 61.59 | € 123.54 |
| Male non-smoker | Male smoker | Female non-smoker | Female smoker | Joint (both non- smokers)1 | Joint (both smokers) | Dual (both non- smokers) | Dual (both smokers) | |
| Ark Life2 | € 26.43 | € 51.46 | € 20.00 | € 36.28 | € 37.52 | € 74.24 | Not available | Not available |
| Aviva | € 26.43 | € 51.46 | € 20.00 | € 36.28 | € 37.52 | € 74.24 | Not available | Not available |
| Bank of Ireland Life3 | € 27.57 | € 53.98 | € 20.66 | € 37.59 | € 40.81 | € 81.76 | Not available | Not available |
| Caledonian Life4 | € 25.15 | € 49.93 | € 20.83 | € 35.79 | € 37.76 | € 72.55 | Not available | Not available |
| Canada Life5 | € 28.07 | € 60.12 | € 21.74 | € 38.43 | € 40.93 | € 88.71 | Not available | Not available |
| Danica Life6 | € 25.64 | € 52.31 | € 19.80 | € 35.17 | € 36.15 | € 73.15 | Not available | Not available |
| Friends First | € 29.46 | € 59.02 | € 21.52 | € 40.22 | € 43.85 | € 87.28 | Not available | Not available |
| Irish Life | € 27.38 | € 53.53 | € 20.16 | € 37.18 | € 40.38 | € 81.28 | Not available | Not available |
| New Ireland | € 27.57 | € 53.99 | € 20.68 | € 37.61 | € 40.83 | € 81.80 | Not available | Not available |
| Zurich | € 25.17 | € 49.87 | € 18.96 | € 35.02 | € 36.53 | € 74.18 | Not available | Not available |
1. Joint life policy - this type of policy pays out the sum assured if one person dies within the term of the policy. The policy then ends. Please note that each joint quote above assumes that both people are the same age.
2. Ark Life quotes are available via AIB Bank.
3. Quotes are available at Bank of Ireland.
4. Quotes only available from a broker, premium assumes proposal is processed via online system.
5. Quotes only avilable through brokers and intermediaries.
6. Danica Life quotes are only available via National Irish Bank.
2. Ark Life quotes are available via AIB Bank.
3. Quotes are available at Bank of Ireland.
4. Quotes only available from a broker, premium assumes proposal is processed via online system.
5. Quotes only avilable through brokers and intermediaries.
6. Danica Life quotes are only available via National Irish Bank.
Please note: