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JSBCA Ltd t/a Low is regulated by the Central Bank of Ireland. We carry professional indemnity insurance and have over 40 years experience in Financial Services.

We only deal with established international life companies and all customer policies are directly with these companies giving you peace of mind and security.

Meet the team

Where we are

Suite 28

20 Harcourt Street

Dublin 2

D02 H364

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Meet the Team

Talented individuals, who work as one unit

Peter O'Reilly

Managing Director

Peter has over 30 years experience in financial services. He oversees the whole business be it liaising with our life company partners or working on a number of business development initiatives. Peter has a Masters of Business Studies Degree from UCD

Sharon Doyle

Operations Director

Sharon is an APA in Life and Pensions and has over 18 years experience in the industry. Sharon keeps the show firmly on the road from managing our team of financial advisers to dealing with our IT providers.

Laura O’Reilly

Manager New Business

Laura manages our New Business Department and is fiercely proud of their efficiency, turnaround times and customer service. Her team aims to both respond to customer queries and process their applications in as short a time as possible.

Lorraine Kavanagh

Customer Advisor

Lorraine joined Low almost 5 years ago having spent a number of years in the credit union. Lorraine is an APA in Life Insurance and is an integral part of our team.

Mary Anderson

Customer Support Specialist

Mary is part of our customer support team assisting our clients at every stage. Mary is an APA in Life Insurance and a keen baker to boot! She keeps our clients well looked after and her colleagues well fed!

Molly Ashe Daly

Customer Support

Molly ventured into the world of life insurance when she joined She works in our customer support team and is currently studying to become an APA in Life Insurance.

Caroline Christie

Customer Advisor

Caroline joined in January of 2020 and has worked in the financial services industry for 14 years. She is a Qualified Financial Advisor as well as holding a Professional diploma in Compliance. Caroline offers advice to our customers on all aspects of protection. mission

Our mission is to deliver top class personal financial services but always at the lowest cost to consumers. We scour the whole market via our unique search engine to deliver the lowest and most suitable quotes available to our customers. We then take a reduced fee or commission to provide them with an even lower quote – which can save them €000’s. This process only takes seconds! Whilst recognising that value for consumers is critical, so too is advice particularly vis a vis financial products so through our phone number (01-9017760), live chat text service or simply email ( you can contact any of our friendly customer service team who are all qualified financial advisers.

To date we have saved our valued customers over €6 million over the terms of their policies. Crucially these savings are not compared to the highest premium prices available from the life companies but the lowest so we really deliver true value and this is best illustrated by the fact that we have provided over €2 billion of life insurance , illness and income protection cover to over 10,000 customers since our launch.