⚠️ Beware of Misleading Life Insurance Ads in Ireland
🚨 What to Watch Out For
Several online marketing companies in Ireland are running ads on such places as Facebook and Instagram that make bold claims but don’t deliver. Here are the exact phrases they use—and what hides behind them:
“Instant pricing based on your age.” → No real-time pricing is shown; a salesperson always follows up.
“Takes less than 30 seconds to see your quote.” → Actually, there’s no instant quote—only a call-back.
“No phone calls.” → Contrary to the claim, every quote request is followed by a sales call.
“We compare all Irish insurers…get your best price side-by-side.” → No actual quotes or comparisons are shown.
“Use our Life Cover Calculator – Free & Instant”, “Payout Calculator instantly shows what cover you qualify for.” → No such tools exist; only a prompt to enter your details.
Plus, there are more dramatic claims like:
“I went from paying €120 to €21 a month for the exact same cover.”
“You can get life insurance for less than €10.”
These assertions are false or misleading, and have already led to upheld complaints by the Advertising Standards Authority of Ireland (ASAI). For example, the claim “YOU CAN GET LIFE INSURANCE FOR LESS THAN €10” was ruled misleading; similarly, suggesting banks and agents overcharge was deemed unsubstantiated.
📜 Why These Claims Are a Problem
Under the ASAI Code, advertising claims must be accurate, clear, and verifiable (Sections 4.1, 4.4, 4.9, 4.10). Ads must not mislead consumers—for instance, by suggesting hidden discounts or instant pricing when none exists.
Similarly, the Central Bank of Ireland requires that any business distributing or selling insurance must be authorised as an insurance intermediary. Operating such a business without approval is a criminal offence, and consumers lose the protections they would have when dealing with authorised firms.
✅ How to Protect Yourself
Before entering details on any site, check if the company is on the Central Bank’s Register of Authorised Insurance Intermediaries.
If they’re not authorised, report them to the Central Bank via their “Unauthorised Firms” portal—it’s your right and duty as a consumer.
You can also lodge a complaint to the ASAI if you see misleading claims—especially ones like instant quotes, phone-free service, or unrealistic pricing.
✅ Why You Can Trust Us
Regulated: We’ve helped almost 1 million Irish consumers get better and cheaper insurance since 2008, at no cost. Click Here to Get Reputable Life Insurance Quotes
Fully Authorised: We hold full authorisation from the Central Bank of Ireland, meaning our operations are transparent, compliant, and regularly audited under the Insurance Distribution Regulations.
Transparent & Accurate: We never make unverified claims. What we promise in our ads is what you get—no bait, no hidden tactics, no unpleasant surprises.
📣 What You Can Do
Raise your concerns:
ASAI – report misleading ads: adstandards.ie
Central Bank – report unauthorised conduct: centralbank.ie
Choose a regulated provider: Don’t risk your money or personal data with unregulated marketing sites.
📝 Final Thoughts
Don’t let slick advertising claims like “instant pricing,” “under €10 cover,” or “no phone calls” trick you into handing over your details. These ads have been flagged by regulators for good reason. Use a trusted, authorised service—backed by nearly two decades of excellence in Irish life insurance—to compare real options with transparency and integrity. Click Here for Reputable Life Insurance Quotes
Your Security, Your Choice. Choose regulated, trustworthy service. Choose us.
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