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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?

FeatureRoyal LondonIrish LifeAvivaZurich LifeNew Ireland
Indexation OptionYes (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 AgeCan convert at any time before age 86Can convert at any stage through term of your planCan convert at any time before age 85Can convert at any stage through term of your planConversion 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)7582747475
Max Expiry Age (Life)9185899085
Free Cover at Start✅ (1 month free)✅ (1 month free)
Monthly premium comparisonWill 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 furtherHave 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.

We compare the market to get you the best quote

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Mortgage Protection

Repays mortgage if the insured dies or suffers a terminal illness.

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Life Insurance

Ensures the financial stability of the family if the insured dies.

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Life & Serious Illness cover

The insurance plan gives coverage against specific diseases.

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Income Protection

Ensures a regular income for the insured who is unable to work.

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Whole of Life cover

If you are looking for a life cover plan with a guaranteed payout then a Whole Of Life Cover Plan is just for you.

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