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Life Insurance Providers in Ireland

Compare all Irish life insurance providers

Compare Life Insurance

bonkers.ie provides a comprehensive life insurance comparison service in Ireland.

With bonkers.ie, you can compare policies from major Irish life insurance companies, such as Aviva, Friends First, New Ireland, Royal London, and Zurich Life to find the cheapest life insurance quote on the market.

Whether you’re looking for over 50s life insurance, joint life insurance or life insurance with serious illness cover, bonkers.ie can help you find a cheap life insurance quote that meets your needs.

Whole of life insurance can give you peace of mind that your loved ones will be kept financially secure if the worst should happen, and it doesn’t have to break the bank. By using the bonkers.ie life insurance comparison service, you can find the policy that best suits the unique requirements of you and your family.

We are a regulated, impartial and secure service meaning that you can rest assured that our information is up-to-date, accurate and reliable.

  • What is life cover?

    Life Cover pays a lump sum, which is tax-free, in the event that you die during the course of your policy. It is possible to have Single Life Cover, Joint Life Cover and Dual Life Cover. It is also possible for one person to insure another.

  • What is accelerated serious illness cover?

    Accelerated serious illness cover is a type of cover that can be taken out as an add-on to a mortgage protection or life insurance policy. It pays out a tax-free lump sum if you are diagnosed with an illness specified in your policy or if you die within the term of your policy. Two sums will not be paid out over the course of your policy, unless you only receive part of your cover in the first instance.

  • What is standalone serious illness cover?

    Standalone serious illness cover means that your serious illness cover is kept entirely separate from any other policies you have.

  • What is indexation?

    Indexation allows your premium and benefits to increase by a certain percentage every year. The advantage of this is to keep your benefits in line with inflation and salary increases. Indexation is an optional extra that comes at an additional cost.

  • What is escalation?

    With Escalation, your benefit will increase by a certain amount for every year that it is being paid out. Escalation is an optional extra that comes at an additional cost.

  • What is convertible term cover?

    Convertible term cover allows you to extend the term of your cover at any point over the course of your policy without medical underwriting. Convertible premiums are usually more expensive than non-convertible premiums.

  • What is dual life cover?

    A Dual Life policy allows two people to be covered for different amounts and for two payments to be made, should both individuals die over the course of the policy.

  • What is joint life cover?

    A joint policy covers two people. If one of the people covered under a joint policy dies, the other person will receive a lump sum, outlined under the terms of the policy. A joint policy ends once a payment is made and both individuals must be covered for the same amount.

  • What is occupation class?

    Your occupation can have an influence on your premium, with some occupations deemed ineligible for cover due to the nature of the work involved.

    • 'Class 1' refers to white-collar jobs, which have no appreciable health or accident risk.
    • 'Class 2' refers to white-collar and administrative roles, some of which may involve driving.
    • 'Class 3' refers to skilled occupations, which require some manual duties.
    • 'Class 4' refers to other skilled roles, which involve extensive manual duties, such as those involved with construction work.

  • What is a reviewable rate?

    Reviewable premiums are reviewed every 5 years.

  • What is a guaranteed rate?

    Guaranteed Rates ensure that your premium will never change, unless indexation is chosen.

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