Mortgage Protection Ireland

At GetLifeInsurance, we provide affordable mortgage protection insurance designed to secure your home and ensure your mortgage is fully paid off in the event of your death. This vital insurance safeguards your family’s financial future, allowing them to remain in their home without the burden of continuing mortgage payments. All lenders in Ireland will have this as a standard requirement when taking out a mortgage

Key Benefits

  • Pays off the remaining balance of your mortgage in the event of death
  • Available for single, joint, or dual cover
  • Flexible and affordable plans starting from €10 a month
  • Optional serious illness cover for added protection

How Does Mortgage Protection Insurance Work?

Understanding how mortgage protection insurance works is essential to choosing the right plan. Our simplified process ensures that you can easily select the coverage you need.

  • Step 1: Determine Coverage: Calculate the outstanding balance of your mortgage to understand how much coverage is required.
  • Step 2: Get a Quote: Contact us to speak an advisor for a personalised quote.
  • Step 3: Apply Online: Complete a quick and secure application process to ensure you are covered.
  • Step 4: Peace of Mind: Once your application is approved, your mortgage is protected, allowing you to relax knowing your family’s home is secure.

Customise Your Mortgage Protection Policy

  • Serious Illness Cover: Provides a lump sum if you’re diagnosed with a serious illness, helping you pay off your mortgage or manage healthcare costs.
  • Guaranteed Insurability: Allows you to increase your cover without additional medical evidence when you take out a new or larger mortgage.
  • Premium Waiver: Ensures that your premiums are covered if you’re unable to work due to illness or injury.
  • Reinstatement Clause: Gives you peace of mind by allowing you to reinstate your policy within three months of missing a premium payment.

Key Benefits of Mortgage Protection Insurance

Working with our trusted insurers

Helping you with life's big changes

Life Insurance

Lump Sum Cash for your family in provides certainty for your family if the worst were to happen

Mortgage Protection

Pays your mortgage in the event of death – peace of mind knowing your loved ones are secure.

Serious Illness Cover

Financial support if you are diagnosed with a serious illness.

Income Protection

Provides income if you are unable to work due to illness or injury.

Why Choose Us?

More Than 600 Families Insured

I’ve always been skeptical of life insurance, but GetLifeInsurance.ie made it extremely easy and reassuring. I even got my parents to sign up. We love this service.
Aoife O'Sullivan
34 years old, Dublin
Life insurance service is a must-have if you want peace of mind knowing your loved ones are protected. Highly recommended and very efficient. Thank you.
Liam Murphy
48 years old, Cork
My family and I bought mortgage protection together and it makes us feel secure about the future. We got great guidance from the team at Get Life Insurance.
Niamh Walsh
28 years old, Galway

Check out the reviews!

We've got you covered

Personalised Recommendation

Get tailored advice to suit your needs.

Lowest Price Guarantee

We ensure you get the best value in the market

Long Term Relationship

We’re here to support you for the long haul.

Frequently Asked Questions

Mortgage protection insurance is a type of life insurance that pays off your mortgage if you pass away during the term of the policy, ensuring your family can stay in their home without the burden of mortgage payments.

Yes, most lenders in Ireland require mortgage protection insurance as a condition for approving a mortgage. However, exceptions apply in certain situations, such as if you’re over 50 or already have sufficient life insurance.

The cost depends on several factors, including your age, health, smoking status, the amount of cover needed, and the term of the policy. Adding serious illness cover can also affect the premium.

Joint life cover pays out once when either policyholder dies, while dual life cover pays out twice—once for each policyholder if both pass away during the policy term.

Yes, serious illness cover can be added to your mortgage protection policy. It provides a lump sum if you are diagnosed with a specified serious illness, helping you manage medical expenses or pay off your mortgage.

If you pay off your mortgage early, you may have the option to cancel your mortgage protection policy. It’s important to review your policy’s terms and consult with your provider before making any changes.

Yes, you can switch your mortgage protection insurance to a different provider if you find a better deal. Make sure the new policy meets your needs before making the switch. Speak to Pangea before changing your policy

Your beneficiaries can make a claim by contacting your insurance provider and providing the necessary documents, such as the death certificate and proof of the mortgage. The insurer will then process the claim.

No, serious illness cover is an optional add-on to a mortgage protection policy. It provides additional financial protection in case you are diagnosed with a serious illness.

If the mortgage is fully paid off before the end of the policy term, no payout will be necessary. However, if your policy includes level term cover, any remaining payout could be directed to your beneficiaries or estate.

There are two main types of mortgage protection cover: reducing term cover, where the level of cover decreases as your mortgage is paid off, and level term cover, where the amount of cover remains the same throughout the term of the policy.

The processing time for a claim varies, but it typically takes a few weeks to a few months, depending on the insurer and the complexity of the claim.

Premiums are calculated based on factors such as your age, health, mortgage amount, policy term, and whether you include additional covers like serious illness.

No, premiums for mortgage protection insurance are not tax-deductible in Ireland.

Get

Started

Today!

Join the future of life insurance today. With our secure services, you can protect your family with ease. Get started now!