Mortgage Protection

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Mortgage Protection & Life Insurance. Up to 17.5% off on Life Insurance PLUS 2 months FREE Cash Back*

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Mortgage Protection and Life Insurance Products

We bring you the best price

Life is busy enough, you don't always have time to shop around and our Best Price Guaranteee means you dont have to. We monitor the market daily to check rates across providers. When you get a quote from us, you'll see this comparison.

Mortgage Protection Insurance

Mortgage Protection Insurance is designed to pay off your mortgage if you or someone you share the mortgage with dies.
Your mortgage lender or bank are legally required to ensure you have this cover in place. Note you are NOT obliged to purchase from them.
Our Best Price Guarantee offers great savings on this cover.

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Life Insurance

Life cover pays out a tax free lump sum if the policy holder(s) die within a certain time period.
Different policy terms are available, whole life, term cover, level cover etc. You can also incorporate other features for extra security including serious illness.
Our Best Price Guarantee ensures you won’t pay more for the exact cover you need.

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Why choose us?

Best Value Cover & Extras

Best Price Guarantee. We monitor the entire market daily to bring you the best value and most comprehensive cover
Life time Rewards. We offer lifetime discounts of 15% on Mortgage Protection & 13% on Life Insurance
First month FREE. Your first monthly payment is on us

Reliability & Choice

Our insurance partner is rated the BEST Insurance Broker in Ireland and best Life Insurance agency**
Our team are qualified experts who will guide you every step of the way
Our Efficiency. We offer TLC (Temporary Life Cover) of up to 4 weeks before the application, so you’re protected before your policy starts at no extra cost***

Support

We offer personal support through our partnership with Red Arc, a team of experienced registered nurses. Providing emotional and practical support for health, family and lifestyle issue, they are just a call away
To read more about this click here

Mortgage Protection & Life Insurance FAQ's

What is Mortgage Protection?

In a nutshell, mortgage protection is a life insurance policy that decreases as your loan reduces over time. It’s a mandatory requirement when you take out a mortgage, because - in the untimely event of your death - your bank wants to ensure that the loan they granted you is paid off immediately.

In this way, mortgage protection protects both you and your lender, as should you die during the term of your mortgage, the bank thankfully won’t need to chase your next of kin to pay off the balance. So, for example, if you and your partner borrowed €250,000 over 20 years and in year 10 your partner sadly passed away, your mortgage protection policy would kick in and pay your mortgage lender the outstanding €125,000, completely clearing your loan.

What is Life Insurance?

Life Insurance cover pays out a tax-free lump sum of money if the individual(s) insured die within a certain time period i.e. during the term of the policy. It is typically taken out to protect you and your loved ones so that if anything happens to you – there is a lump sum left i.e. the amount of cover you took out, to help them cope with the financial stress of your departure.

What is the difference between Life Insurance & Life Assurance

Well, there's a hint here in the name. Assurance is generally a term for something that you can be assured will happen, so life assurance is insurance against an event (death) that will happen eventually. With life assurance, payment will be made at the end of the policy when the life assured dies. Life Insurance on the other hand is for protection for a fixed term for an event that may or may not happen within that time frame.

Helpful guides on Mortgage Protection and Life Insurance

Life Insurance Explained Simply

Everything you need to know

Mortgage Protection Explained Simply

Everything you need to know

Life Insurance Glossary

Key Terms explained simply

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T & C's apply. * Up to 17.5% off refers to a discount for life insurance. All discounts offered are valid for the lifetime of the policy. Free 2 months cash back offer applies to individual term protection policies including serious illness & applies to all benefits selected on these products from 04.11.24 to 29.11.24. First two months premium refund is based on the monthly direct debit premium paid exclusive of the 1% government levy. Cashback will be administered via electronic fund transfer (EFT), issued within three months of offer expiry date subject to policy being still in force at time of EFT cashback pay out, with 2 policy premiums received. Policy must be issued by 31.03.25. The offer can be used in conjunction with any other special offers. We/Zurich reserve the right to withdraw the offer at any stage. Cannot be used for re-writes, or the exercise of conversion or guaranteed insurability options of existing Zurich Life policies.

** Reviews are based on Trust Pilot, viewable on trustpilot.com/review/low.ie *** Instant TLC (Temporary Life Cover) Instant TLC is a unique service from our partner, that provides temporary Life Cover for up to four weeks during the application and underwriting process at no extra cost. It covers the sum assured applied for, up to a maximum of €500,000 available on all new applications for Life Cover for customers aged 60 or below.

Life policies with us are administered on our behalf by JSBCA Ltd T/A Low. JSBCA Ltd is regulated by the Central Bank of Ireland.

Some of the links above bring you to external websites. Your use of an external website is subject to the terms of that site.

SuperValu Financial Services DAC t/a SuperValu Insurance, is regulated by the Central Bank of Ireland.

Find out more about our Terms of Business & Remuneration.