Best Life Insurance in Ireland: Comparing Royal London, Irish Life, Aviva, Zurich & New Ireland
Best Life Insurance in Ireland
Looking for the best life insurance in Ireland? As life insurance specialists with 5 star reviews, we understand how overwhelming it can be to compare providers. With different terms, benefits, and add-ons, choosing the right plan is about more than just the monthly premium.
We’ve done the homework for you. Here’s how the top 5 life insurance providers stack up in Ireland for life insurance term cover only— so you can make a confident decision about protecting your family’s future.
🔍 Quick Comparison Table – Core Features
💡 What Sets Each Provider Apart?
Feature | Royal London | Irish Life | Aviva | Zurich Life | New Ireland |
---|---|---|---|---|---|
Indexation Option | Yes (3% cover / 4% premium) | Yes (3% / 4.5%) | Yes (3% / 4%) | Yes (3% / 4.5%) | Yes (3% / 3%) |
Children’s Life Cover | €5,000 | €7,000 | €5,000 | €7,000 | €4,000 |
Convertible Age | Can convert at any time before age 86 | Can convert at any stage through term of your plan | Can convert at any time before age 85 | Can convert at any stage through term of your plan | Conversion must be exercised by age 64 |
Convertible to Whole of Life | ❌ | ✅ | ❌ | ❌ | ❌ |
Funeral Expenses Paid Early | ✅ (up to €10,000) | ❌ | ❌ | ✅ (to funeral director) | ❌ |
Guaranteed Insurability | ✅ (up to €200,000) | ✅ (up to €125,000) | ❌ | ✅ | ✅ (up to €100,000) |
Max Entry Age (Life) | 75 | 82 | 74 | 74 | 75 |
Max Expiry Age (Life) | 91 | 85 | 89 | 90 | 85 |
Free Cover at Start | ✅ (1 month free) | ❌ | ❌ | ✅ (1 month free) | ❌ |
Monthly premium comparison | Will match the best price in the market and give up to 20% extra off. E.g. if the best premium was €100 in the market you could get for €80 with Royal London. | Will price match lowest price but will not give further discount. E.g. if the lowest price was €100 in the market they will match this but won’t discount further | Have own pricing with no discounts. E.g. if the lowest price was €100 and their price is €105 then the price will be €105. | Do not match the lowest but are competitive as they have their own discounts with up to 20% off their own prices. If their price is €100 can possible get for €80 with their 20% discount(discount applied to cover of €250,000 or more) | Will match the best price in the market and give up to 20% extra off. E.g. if the best premium was €100 in the market you could get for €80 with New Ireland. |
Royal London
- Only provider offering a Separation Option on joint/dual life policies.
- Offers Helping Hand: nurse-led support including free sessions of Physiotherapy, grievance counselling, massage therapy and a second medical opinion service.
- Strong on flexibility at claim stage– have funeral payment option which can release funds early without need for probate.
- Excellent pricing and very competitive.
Irish Life
- High maximum age entry (up to 82).
- Good range of extra supports like ClaimsCare and Nurse on Call.
- Convertible option is excellent
Aviva
- Comprehensive Aviva Care support suite. This includes free online GP and Best Doctors service
- Offers advance payments for critical surgeries if on the waiting list.
- No funeral benefit or conversion to whole of life.
Zurich Life
- Competitive pricing
- Offers Waiver of Premium, rare among Irish providers.
- Excellent for monthly income on death planning.
- Funeral expenses payment while in the process of the claim to allow for quick release of funds.
- Lots of potential additional additional benefits such as hospital cash and personal accident cover.
New Ireland
- Good range of hospital, broken bones & accident cover.
- Offers Whole of Life Continuation option.
- Excellent for monthly income on death planning
- Some of the most generous partial illness and surgery payout options.
- BetterHealth Support– Free Online GP & Physiotherapy and Mental Health Support along with online get fit support.
🤔 Which Life Insurance Is Best for You?
There’s no one-size-fits-all solution. The right plan depends on:
- Your age and health
- Whether you want serious illness cover as this is an added benefit.
- If you need family-friendly benefits like children’s cover or hospital cash
- Future needs like converting to whole of life or additional flexibility
As life insurance specialists, we help individuals and families across Ireland get the right cover — without overpaying.
✅ Ready to Compare Quotes Like-for-Like?
We’ll do the heavy lifting. Book a free, no-obligation review and we’ll:
- Compare life insurance plans across Royal London, Irish Life, Aviva, Zurich, and New Ireland
- Highlight what you’re getting (and not getting) for your premium
- Help tailor cover to your needs — not just what a single provider offers
📞 If you would like more information and tailored advice as to which company suits your needs the best feel free to call me at 015823524 or email sean@financiallife.ie or complete the form and I will get back to you.