Life Insurance Northern Ireland
We specialise in life insurance for the people of Northern Ireland (NI)
"Advised me on the type of cover I needed at a fraction of the cost of other quotes"
-Michael
50+ Insurers. Expert Advice.
Big Savings !
How Much Life Insurance Do I Need?
Many in Northern Ireland choose policies that at least cover their repayment mortgage or provide enough support to pay monthly expenses
Funeral Costs
The average cost of dying
£9,493
Mortgage Costs
Monthly cost of housing
£798
Living Costs
Monthly cost of living
£3,053
Transport Costs
Average monthly transport costs
£348
Transport Costs
Average monthly transport costs
£348
£300,000 Life Cover
£10
For only per month
Tuition Fees
Average yearly tuition fees
£9,188
House Deposit
Average 10% mortgage deposit
£23,200
House Deposit
Average 10% mortgage deposit
£23,200
Pay the Bills
Household bills monthly cost
£237
Take a Holiday
A ten day holiday for 4 people
£3,796
See references
- Cost of Dying Report 2020 (SunLife)
- What is the Cost of Living in the UK? (Expatistan)
- Average London rent hits record high as supply continues to drop (Homes & Property)
- Average UK Household Budget 2021 (NimbleFins)
- University tuition fees in England now the highest in the world, new analysis suggests (Independent)
- How much deposit do I need for a house? (Bankrate UK)
- What is the average cost of utility bills per month? (The Money Advice Service)
- Average Cost of a Holiday Abroad 2020 (NimbleFins)
- £10 per month pays for £300,000 of cover for 30 years for a 30 year old non-smoker, based on perfect health
- Trust Pilot review source:
Check out the Northern Ireland benefits & financial support to see how the Northern Ireland government can help you & your loved ones.
How Life Insurance Northern Ireland Works ?
It’s peace of mind for you.
And security for the people you love
Fill out a simple form
Tell us about your mortgage and your needs
We ask a few quick questions — it only takes a couple of minutes.
We Compare Policies from 50+ Providers & Call You
You get personalised options that fit your home, your budget, and your life.
You pick your cover — and that’s it
Once your policy is in place, you can relax knowing your home is protected, no matter what happens.
Real Northern Irish People. Real Advice.
When you speak to us, you’ll chat with a friendly Northern Ireland based expert who understands what living in NI really means and how your needs can be met.
- You’ll only ever speak with us — we never pass on your details
- No pressure. Just honest, helpful guidance
- We’re FCA authorised and ICO registered — your trust matters to us
“The most rewarding part of what I do? Knowing we’re helping people protect their homes and their futures. Every day, we give families peace of mind — even in the worst moments”
“What I love most is that we’re here to help, not to push. It’s about finding what’s right for each person. I end every call knowing I’ve made a real difference — and that feels good.”
Life Insurance Northern Ireland: Protect What Matters Most
If you’re living in Northern Ireland (NI), thinking about your family’s future and how to protect them is one of the most responsible decisions you can make. With the right life insurance policy, you can ensure that your family home, financial commitments, and loved ones are secure no matter what life brings.
What Is Life Insurance?
Life insurance provides a lump sum or regular payout to your chosen beneficiaries if the insured person dies during the policy term. This payment can help cover outstanding debts, everyday living expenses, or even support your children’s education.
Whether you’re looking for term life insurance, joint life insurance, or simply want to compare life insurance quotes across providers, we’re here to help you find the best life insurance Northern Ireland has to offer.
Why Choose Life Insurance in Northern Ireland?
Getting life insurance in Northern Ireland (or life insurance NI) is about peace of mind. If you were to pass away, would your surviving partner or family members be able to keep up with the repayment mortgage or maintain current living standards?
With level term life insurance or decreasing cover, a lump sum payment ensures your loved ones won’t face additional financial commitments on top of emotional loss.
Types of Life Insurance Available in NI
1. Term Life Insurance
This is the most popular type of life insurance NI customers go for. It covers you for a fixed period, and if the person dies during this term, the life insurance pays out a cash sum.
Level term life insurance: Fixed payout over the term
Decreasing term life insurance: Often aligned with a repayment mortgage as your debt reduces
Joint cover: Ideal for couples, where one joint policy covers both partners
2. Critical Illness Cover
If you’re diagnosed with a serious critical illness, this type of cover ensures a critical illness cover pays a lump sum to help with everyday living, treatment, or to take a break from work. It can be added to most life insurance policies for an extra cost.
3. Joint Life Insurance
Joint life insurance is commonly chosen by couples sharing a mortgage or raising a family. A joint life insurance policy pays out on the first death, supporting the surviving partner with a tax-free cash value.
How Life Insurance Works in NI
When you take out life insurance NI, you agree to pay monthly payments (also called life insurance premiums) to your insurance provider. If the policyholder dies during the policy term, the life insurance coverage will trigger a life insurance claim and pay out the agreed cover amount.
Here’s what affects your premium:
Personal details (age, occupation, smoker status)
Medical history and lifestyle factors
Type of life insurance policy
Length of the policy term
Whether you add critical illness cover
Want to know more about how your life insurance premiums calculated? Speak with a trusted financial adviser to walk you through the numbers.
When Should You Get Life Insurance in Northern Ireland?
If you’ve just bought a home — or you’re about to — the answer is probably yes.
- Would your partner struggle to pay the mortgage without you?
- Would your family be left to cover debts or bills?
- Would you want to protect your new home, no matter what?
- Anyone who relies on you financially? (Partner, children, family?)
Now is the time to get a life insurance quote. And if you already have an existing policy, consider reviewing it after big life events like marriage, new children, or homeownership.
Benefits of Life Insurance NI
Financial peace of mind
Protection against terminal illness and critical illness
Maintain your family’s lifestyle
Flexible premium payments
Available to any UK resident in NI
We also work with providers that offer health and wellbeing services, including mental health support, virtual GPs, and wellbeing support as part of their policies.
Compare Life Insurance in Northern Ireland
Looking to compare life insurance in NI? We make it simple:
Get a quick quote online
Talk to a local financial adviser
Review options like joint life insurance, single life insurance, or term insurance
Choose based on your cover amount, lifestyle, and budget
How much does life insurance cost in Northern Ireland ?
When you have a family or new home, every penny counts. That’s why it’s reassuring to know life insurance can cost less than your weekly coffee run — while protecting your loved ones.
£10.99
per month
£8.99
per month
Life Insurance
Starting from only
£4.99
per month
Life Insurance FAQs
Want more help understanding life insurance NI? Get answers to common questions and advice tailored to Northern Ireland residents.
Do I need life insurance in Northern Ireland?
Life insurance isn’t required by law, but it’s essential for protecting your family’s finances if you pass away unexpectedly.
Can I get life insurance in Northern Ireland if I have health conditions?
Yes. Most UK insurers operate in Northern Ireland and accept applications with pre-existing conditions, though premiums may vary.
How much does life insurance cost in Northern Ireland?
Premiums start from around £5/month, depending on age, health, and cover amount. A healthy 35-year-old might pay £10–£15/month.
Is life insurance taxable in Northern Ireland?
Generally, payouts are tax-free. Writing your policy in trust can also help avoid inheritance tax and speed up the payment.
Can I get joint life insurance in Northern Ireland?
Yes. Joint life policies are popular with couples and pay out on the first death—ideal for protecting shared mortgages or dependents.