Protect the people who rely on you
Life insurance
Choosing the right term, understanding joint versus dual cover and calculating the amount your family could need.
COMPOUND / INSURANCE
Know what you need. Protect what matters.
Independent Irish guides and free calculators to make sense of life insurance, mortgage protection, income protection and private health insurance. Understand the risks, work through the numbers and compare cover on equal terms.
Built for IrelandNo sign-up or quote formNo paid insurer ranking
FREE INSURANCE TOOLS
Eight tools for your insurance decisions.
Our calculators estimate financial needs and compare scenarios. They do not quote insurer premiums or decide whether you qualify for cover.
Existing interactive calculator
Life insurance needs
Work out an illustrative additional lump sum for dependants, using household income needs, debts, savings and death-in-service cover.
Open life cover calculator ↗ Existing interactive calculatorMortgage protection savings
Compare two like-for-like monthly premiums and the total difference over the years of cover that remain.
Open premium comparison ↗ New interactive planning toolIncome interruption gap
Estimate how long your household cash could last if work stopped because of illness or injury.
Try the income gap tool ↓ Dedicated calculator · HealthHealth insurance cost comparison
Compare two policies using your premiums, inpatient excesses, hospital shortfalls and outpatient reimbursements.
Compare health insurance costs ↗ Dedicated calculator · HomeHome insurance rebuilding cover
Estimate a buildings sum insured using an appropriate €/m² rate, area and additional rebuilding costs.
Estimate rebuild cover ↗ Dedicated calculator · IllnessCritical illness cover needs
Model potential one-off expenses, income disruption, additional care and available savings.
Explore illness-cover needs ↗ Dedicated calculator · LifeDeath-in-service vs life cover
Translate an employer salary multiple into a benefit and assess the potential family shortfall.
Check the family cover gap ↗ Dedicated calculator · SavingsInsurance premium savings
Explore annual and multi-year premium differences across home, motor, health and life cover.
Compare insurance premiums ↗INCOME PROTECTION / HOUSEHOLD RISK
What if your pay stopped?
Estimate a household cash gap before thinking about income protection benefits. This is a spending scenario, not an insurance quote or statutory-benefit calculation.
Illustrative cash shortfall
€13,500
Estimated amount not covered by your savings.
Monthly funding need€2,000
Months without full pay10
Total cash need before savings€20,000
Accessible savings€6,500
Understand income protection ↗
Method: The modelled monthly gap is max(€0, essential spending − other continuing income). It multiplies that by months without full employer sick pay, then subtracts accessible savings, with a floor of zero. Assumes full sick pay covers that gap during the months entered. It does not include State Illness Benefit, waiting periods, taxes, benefit offsets, partial sick pay, investment income, inflation or insurer eligibility. Those can all change the real result. Your inputs stay in your browser. For benefit limits, deferred periods and policy comparisons, read our Income Protection Ireland guide.
INDEPENDENT IRISH INSURANCE GUIDES
A clearer path to the cover that matters.
Four detailed Irish guides, each paired with a relevant free tool. Start with your own protection question—not a sales pitch.
Protect the biggest household commitment
Mortgage protection
Know what lenders normally require, how declining cover works and what to check before switching.
Plan for a disruption to your income
Income protection
Understand deferred periods, employer sick pay, claims conditions and tax treatment before comparing cover.
Compare benefits, not only premiums
Health insurance
Understand hospital access, waiting periods, excesses and the HIA's independent plan comparison service.
ALSO EXPLORE
Home rebuilding and serious illness cover
Two more useful insurance decisions, with standalone calculators and source-backed explanations.
START WITH THE PURPOSE
They do not all cover the same thing.
Understanding what triggers a claim matters more than selecting the lowest advertised monthly premium.
| Protection | Main purpose | Usually does not cover |
|---|---|---|
| Life insurance | Eligible death during the insured term, or throughout life for qualifying whole-of-life contracts. | Ordinary life-only cover does not pay automatically on illness diagnosis or job loss. |
| Mortgage protection | Help repay the mortgage following an insured borrower's death. | Ordinary cover does not replace monthly wages or routine household spending. |
| Income protection | Replace part of eligible earnings if sickness or injury prevents working after the deferred period. | Unemployment, general redundancy or all pre-illness earnings. |
| Private health insurance | Contribute towards specific covered healthcare costs and access arrangements. | A general income-replacement lump sum or universal payment for every treatment. |
Every insurer and policy defines benefits, eligibility, exclusions and limits differently. Review policy wordings and the current independent guidance of the CCPC. For Irish private health insurance plans, use the Health Insurance Authority comparison tool.
GO FURTHER
Useful connected decisions.
EDITORIAL INDEPENDENCE
Independent information. Clear assumptions.
Compound may accept appropriately disclosed category sponsorships and advertising. No insurer currently buys a ranking on this page. Sponsorship would never change calculator arithmetic, editorial conclusions, policy eligibility or the order of independently chosen recommendations.
For editorial feedback or advertising enquiries, contact david@compound.ie. Any advertising is clearly identified. Compound does not sell insurance, arrange regulated policies or provide personalised financial advice through these tools.
INSURANCE FAQ
Before you compare quotes.
Do I have to buy life insurance in Ireland?
General personal life insurance is optional. Mortgage protection is normally required for a mortgage on your main home, subject to statutory exceptions. Learn about the distinctions in the mortgage protection guide.
Do these calculators give insurance quotes?
No. These tools estimate needs and compare arithmetic scenarios only. Insurers price policies using factors such as cover amount, term, age, health, tobacco use and underwriting decisions.
Can I choose an insurer other than my bank's?
For suitable mortgage protection, borrowers can normally choose a provider other than their mortgage lender, provided the lender accepts the cover and assignment arrangements. Compare terms and final accepted premiums before switching.
Can I rely on death-in-service cover alone?
It may reduce your additional cover needs, but verify its amount, eligibility, nominated beneficiaries and what happens if you change job or retire. Only count benefits genuinely available to survivors.