Protecting your home has never been easier, with quick online cover that fits your life.
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Affordable cover for life insurance and mortgage protection.
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A fast, simple online application means you can secure instant protection and peace of mind.
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Just answer a few simple health questions - no GP visits required.
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Access all your documents instantly on your customer portal as soon as your cover is in place.
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Mortgage Protection is a type of life cover that pays off your outstanding mortgage if you die before the end of your mortgage term.
It ensures your loved ones aren’t left with the financial burden of your home loan at an already difficult time.
Most lenders in Ireland require Mortgage Protection because it’s designed to:
With this type of cover, the amount insured reduces each year in line with your remaining mortgage balance so you're only ever paying for the cover you actually need.
Get Covered in minutes
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We’ll tailor your quote instantly.
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Life Insurance, Mortgage Protection, or both.
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No medical exam. No GP reports required.
Receive a complimentary will with every policy.
We’ve created a series of clear, practical guides to help you understand how mortgage protection works in Ireland, when you need it, and how to choose the right cover so you can move towards drawdown with confidence.
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A plain‑English guide to what mortgage protection is, why banks require it, and how it protects your home if the unexpected happens.
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Learn how your cover amount is calculated, why it usually matches your mortgage, and what to consider before choosing your policy.
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A step‑by‑step timeline showing when mortgage protection becomes essential, from approval in principle through to drawdown.
Mortgage Protection insurance is a type of policy that pays off your mortgage if you or your partner dies. This policy reduces as you pay off chunks of your mortgage. It’s a requirement for most banks before you drawdown on your mortgage. Get the full lowdown on our dedicated Mortgage Protection page.
Choose laya life for affordable premiums, straightforward policies, instant cover with no GP visits and a complimentary will.
Our goal is to Look After You Always. That’s why we make sure our expert, friendly Customer Care Team is on-hand to help you in any way they can.
Yes, laya life covers mortgages with our Mortgage Protection policies. You can even get your Mortgage Protection in place the same day you apply for it. That means fewer delays in drawing down your mortgage. We’ll take care of most of the process, so it’s even easier for you.
The length of your policy depends on a few things. If you’re getting Mortgage Protection, your cover lasts at least as long as your mortgage.
The length of your life insurance policy is a little more personal. Think about how long your loved ones need financial protection. Typically, our members take out policies that last until their youngest child turns 25. For that reason, younger members tend to take out longer term policies.
Life insurance and Mortgage Protection are two different types of cover that pay out if you die.
Mortgage Protection is linked to your mortgage amount and term. It’s sole purpose is to pay off your mortgage.
On the other hand, life insurance pays your family a lump sum. They can use this to pay off outstanding loans and maintain their financial security. You have the freedom to choose how much cover you need and how long your policy should last.
You can answer some questions and get a quick quote online. After that, simply purchase your policy for instant cover. No GP visits or reports, no fuss. Then, you have the peace of mind that your family will be cared for, whatever happens.
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