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The stuff we cover...

Life Insurance

Safeguard the people you care about with customizable life insurance solutions.

Mortgage Protection

Secure your home with reliable mortgage protection for peace of mind.

Serious Illness

Stay financially secure with comprehensive serious illness insurance coverage.

Business Protection

Protect your business assets with tailored business protection insurance plans.

Income Protection

Ensure stability with income protection insurance designed for your needs.

Cancer Cover

Fight cancer with support from specialized cancer cover insurance policies.

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Breeze has earned a 5 star Google rating, as voted by
our fantastic, happy customers.

Who We Are

Policy Conversion Options

Some mortgage protection policies allow conversion to a life insurance policy without further medical evidence. This can be advantageous if your health has declined since taking out the mortgage protection.

Understanding Terminal Illness Benefit

If you’re diagnosed with a terminal illness and are expected to die within 12 months, your policy could pay out the full cover amount immediately. This allows you to settle your affairs and provide for your loved ones without financial worry.

Convertibility Feature

Many life insurance policies have a convertibility feature allowing the policyholder to convert term insurance to permanent insurance without requiring further health examinations. This can be valuable if your health deteriorates during the term of the original policy.

Income Protection vs Mortgage Protection

While both types of insurance provide financial protection, they serve different purposes. Mortgage protection pays off your mortgage if you die during the term, while income protection provides a regular income if you can’t work due to illness or disability.

Decreasing Cover vs Level Cover

With decreasing cover, the payout amount reduces over the term, generally in line with your reducing mortgage balance. With level cover, the payout amount stays the same throughout the term, providing additional funds to your beneficiaries after paying off the mortgage.

Guaranteed Insurability

This feature allows you to increase your cover amount after specific life events, like marriage or birth of a child, without providing further medical evidence. It’s a useful feature to ensure that your cover keeps up with changes in your personal circumstances.

Policy Flexibility

Many mortgage protection policies offer flexible features like payment holidays, allowing you to skip payments in financial hardship, or portability, allowing you to transfer the policy to a new mortgage or property.

Here’s why our customers love us

And it’s not just because we take the hassle out of comparing insurers

Feel supported through your claim

We represent our customers at the heart of everything we do. That means, we'll be there every step of the way to ensure you receive the best possible claims support.

Save with more affordable cover

We take the leg work out of insurance by comparing our panel of insurance underwriters for the best deal, so you don't have to.

Get lightning speed support

Our Live Chat team aim to reply to queries in minutes, and we pride ourselves on delivering at speed, so you can get insured as fast as possible.

Edit your policy in seconds

Edit and update your policy in seconds by contacting us at our dedicated customer service phone or chat lines.

Build your own cover

We’ve got a range of add-on features, so you can build your policy to suit you.

Get a quote in minutes

It takes around 5 minutes to get a quote. Easy!

Here when you need us

Our Customer Success team are always on hand to chat if you ever have any questions. Feel free to pop a message through the link below, or give us a call anytime during our opening hours. We love to help!

Monday - Friday

9 AM - 5:30 PM

Saturday - Sunday

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Everything you need to know about Breeze life insurance

Q1: What is the difference between life insurance and mortgage protection insurance?

In Ireland, life insurance pays out a specified lump sum to your beneficiaries if you pass away during the term of the policy. This amount doesn’t change unless you alter the policy. Mortgage protection insurance, on the other hand, is designed to pay off your outstanding mortgage if you die during the term of the policy. The payout amount decreases over time in line with your mortgage balance.

Q2: Is mortgage protection insurance mandatory?
Yes, in Ireland, it is usually mandatory to have mortgage protection insurance when you take out a mortgage, except in some specific circumstances, such as being of a certain age or having a certain illness.
Q3: Can I get life insurance if I have a pre-existing medical condition?
Yes, but it can affect the terms of your policy. Insurers may increase your premiums or exclude certain conditions from your coverage. It’s crucial to be completely honest about your medical history when applying for a policy.
Q4: What is a convertible term life insurance policy?
A convertible term life insurance policy in Ireland allows you to convert your term policy to a whole of life policy or another form of life insurance policy without having to provide further medical evidence, regardless of your health at the time of conversion.
Q5: What is a joint life insurance policy?
A joint life insurance policy covers two people, typically partners or spouses. The policy pays out on the first death during the policy term, after which the policy ends.
Q6: What is serious illness cover?
Also known as critical illness cover, it pays out a tax-free lump sum if you are diagnosed with one of the specific illnesses or medical conditions listed in the policy.