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Find a life insurance policy that’s right for you with our free broker service.
Enter your desired life cover amount
4x annual income may act as a good guideline for requirements.
Bonkers Money Limited, trading as bonkers, is regulated by the Central Bank of Ireland.
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Apply for life insurance policies from Aviva, Irish Life, New Ireland, Royal London Ireland and Zurich Life.
How to get life insurance
bonkers.ie makes it easy to compare and apply for life insurance in Ireland.
Tell us the cover you require
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What you need to get started
Knowledge of the amount of cover you require
Information on any additional persons
Your contact details
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We're regulated
Bonkers Money Limited, trading as bonkers.ie, is regulated by the Central Bank of Ireland. This has been the case since 2013.
This reflects our continued commitment to providing impartial and accurate financial advice, information and services.
Things to consider
Types of cover
- There are three main types of life insurance cover available:
- Single: Covers one person
- Joint: Covers two people with one payout
- Dual: Covers two people and pays out twice, once to each person.
Indexation and conversion
Adding serious illness cover
Cooling off period
This is know as the cooling off period. Check your policy’s terms and conditions for information on potential fees.
Industry recognised broker
bonkers.ie is the winner of two categories at the Broker Expert Awards, run by Brokers Ireland.This exemplifies our unwavering commitment to excellent customer service.
EXPERT TIP
Peace of mind
Life insurance is an essential product for young families in particular and gives peace of mind that your loved ones will be kept financially secure if the worst should happen.
A good policy can cost as little as €20 or €30 a month. But smokers and vapers beware – my analysis has found a huge increased cost for life cover, with a standard €300,000 policy over 30 years costing upwards of €19,000 more for nicotine users.
Daragh Cassidy
Consumer Expert at
As featured on
Your questions, answered
What is life insurance and how does it work?
A life insurance policy provides a lump sum payment to your chosen beneficiary if you pass away during the policy term. It’s designed to offer financial security by helping dependants manage expenses. Essentially, it gives some financial breathing room when your family needs it most. Watch our video
What is a whole life insurance policy?
Whole life insurance provides life cover for your entire life and not just a set term. As long as you pay your premium, your beneficiaries are guaranteed to receive a lump sum when you pass away. It can also build up a cash value over time that the policyholder can access in certain, pre-determined circumstances.
How does term life insurance work?
Term life insurance gives cover for a specific period, or "term," like ten, twenty or thirty years. If you pass away within this policy term, your dependants receive a tax-free lump sum payment. If you outlive the term, the policy ends without a payout, often making payments more affordable than whole life policies.
Is life insurance worth it in Ireland?
For many in Ireland, life insurance is definitely worth it. It provides peace of mind and vital financial protection for your family, especially if they depend on your income or have a mortgage. Also, it is usually non-taxable so it can be a tax-efficient method of passing money on to your loved ones.
How much does life insurance cost in Ireland?
The cost of life insurance in Ireland varies widely. Your premium depends on factors like your age, health, whether you're a non-smoker, the level of life cover you choose and the policy term. The best way to find a suitable premium is to compare life insurance policies on bonkers.ie.
Why use bonkers.ie as your life insurance broker?
Our insurance advisors will explain the benefits and details of each policy on the market and match the most suitable one to you, all for free. This is included as part of our free broker service offered for a range of products including Protection Insurance and Mortgages. Get a free life insurance quote.
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