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Life Cover tailored to you & your needs

Protect what matters most to you.

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3 simple steps to cover what matters most

How assessment works

We’ll make this as effortless as possible for you. Our expert advisors will discuss your situation and find a policy that suits your protection needs and your budget.

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Simply fill in a few straightforward details on our ‘Quote Form‘ above and we’ll take it from there.

Easy details, takes about 3 mins.
doddl Irish Mortgage Experts

Our experts will look at your needs and tailor a ‘Life Cover‘ policy that protects what matters to you.

We’ll do the heavy lifting for you, for free.

We’ll guide you through each step from ‘Quote to Cover‘, so you can relax and know you’re protected.

Keeping it stress-free and simple.
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Did you know… when you take out a mortgage, you’ll be required to take out life cover?

We’ve got you covered. Giving you confidence that you and your family are protected, no matter what happens. Our aim is to simplify life and protection cover so that you understand what cover best suits your needs at any current stage of life.

Best of all, we’ll do all this, for free.

Already have a policy?

Let us carry out a review to simply explain what your current policy covers, so you can easily make changes if you need to. We apply price matching to all policies, to ensure you’re covered at the least cost.

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What people are saying

Apart from wanting to make the world a better place in our own little way,
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Life cover is a type of insurance policy that pays out in the event of the death of the policy holder.
The most common types of cover are Mortgage Protection and Level Term cover. You may also wish to take out Specified Illness cover or Income Protection to protect yourself and others in the event of illness or disability.
All mortgage providers require a life policy to be in place before allowing you to draw down a mortgage on a home loan. The life policy will be assigned to the mortgage lender while the mortgage is in place.
Mortgage Protection is a type of life cover insurance that is designed to clear a mortgage in the event of the policy holders’ death. The policy is designed to clear the outstanding amount of your mortgage. The amount insured decreases over the term of the policy. The monthly premium of the policy remains the same for the duration of the plan (unless indexation is selected).
Level term cover is a type of policy whereby the amount insured stays the same for the duration of the term. In the event of death, the policy will pay out the sum insured, if the policy is assigned to a mortgage lender the mortgage will be repaid from the proceeds of the policy and any further benefit will pay to the second person on the policy. If the life policy is in one person’s name, the remaining benefit will pay to their estate.
A Convertible option allows you to ‘convert the policy’ and extend the term of your policy, subject to terms but without medical assessment at time of conversion.
Life cover will pay out in the event of the policy holder’s death, however there are other policies that you can take out to further protect yourself and your family. These can provide additional protection if you are unable to pay your mortgage or bills due to an accident or illness. The most popular policies are Income Protection and Specified Illness cover.
Income protection is a policy that will pay out a regular payment that replaces part of your lost income if you cannot work due to a medium to long-term illness or disability. This is a taxable income paid in addition to any social welfare entitlement and you can claim tax relief on the premium.
It’s important to be aware of your employer benefits before considering any policy to ensure the cover you choose is appropriate for you. If your employer has a scheme that will pay you long term if you are out sick, then you will not need to consider an income protection policy. If your employer pays you for a period of time e.g., 3/6/12 months then you can consider an Income Protection policy that would start to pay you when your employer income ceases, if you cannot return to work.
You should enquire as to any employee benefit available so that you can understand any additional needs you may have.
Specified Illness cover is a tax-free lump sum that is paid out on diagnosis of a specified illness as defined in the terms and conditions of your policy.
This policy is designed to help you pay towards the cost of being sick. Your health insurance/public system covers the hospital costs but there may be other costs which can increase the financial burden when you’re sick. These may include time off, additional childcare, cost of travel to and from hospital, consultant fees not covered by health insurance, accommodation, parking, outpatient treatments/therapies.
A Specified Illness benefit will provide you with financial breathing space to allow you to concentrate on getting better and not worry about your finances.
Each person will have different needs and priorities but an average budget to consider is between 3% and 5% of the net income of the higher earner. It is important to have some cover in place but equally important to know that you can afford this for the long term and know that it is in place if you need to make a claim.
At doddl we can help you tailor a package that is personal to your budget and your needs and don’t forget, our service is free!
Complete ‘Get Quotes’ section for the best policy for you.
If you have any queries email us at or call us on 01 6624600.

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