Life insurance
Supporting your loved ones when they need it most.
Why do I need life insurance?
- Protect your loved ones: provides you with peace of mind knowing financial security for your family is in place, if you’re no longer there.
- Affordable: family protection is more cost effective than you think and provides a lump sum that can help pay bills, childcare, and living costs during difficult times.
- Future financial security: in the event of an untimely death it can support your loved ones’ education and long-term goals for your children.
Key benefits
Guaranteed payment
Pays a fixed lump sum if you pass away during the policy term to help cover income loss and expenses
Flexible cover
Increase your cover as life changes, like getting married or starting a family, with our Guaranteed Insurability option.
Stay ahead of inflation
Our Inflation Protection option helps your cover keep pace with rising costs.
How it works
Start
Tell us some basic details about yourself.
Cover
Choose how much cover you need and for how long. If you’re unsure, use our handy calculator to help.
Quote
You receive an instant quote which we can email to you, if you wish.
Why choose Vhi
Trusted providers - trusted protection
We've been taking care of families in Ireland since 1957 so you know you are in safe hands.
10% member discount
Vhi members get a 10% discount for the lifetime of the policy.
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Easy set-up
You can set-up your life policy with just one phone call.
Frequently asked questions
- Life insurance provides financial support to your loved ones if you pass away, helping cover general living expenses or debts.
- Mortgage protection is a specific type of life insurance designed to pay off your mortgage if you die, ensuring your home is not lost due to unpaid loan balances.
A joint owner refers to a situation where two people—often spouses or partners—share ownership of the same policy. This means both have equal rights to make decisions about the policy, such as changing beneficiaries or accessing policy information.
The benefit is that it provides shared control and can simplify estate planning, especially if the policy is meant to protect both individuals or their shared dependants. It can also help ensure continuity if one owner passes away, as the surviving owner retains control of the policy.
Death in service is a benefit provided by your employer that pays a lump sum (usually a multiple of your salary) to your loved ones if you die while employed.
Life insurance is a personal policy you pay for yourself that offers more flexibility and continues regardless of your job, allowing you to choose the amount and duration of cover.
Yes, it does. Insurers assess factors like your medical history, weight, smoking status, and any existing conditions to determine how risky you are to insure, and higher risk usually means higher premiums.
