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Here, you can deal with us directly for all your insurance needs. This site has been designed to put the power in your hands, so that you can achieve the peace of mind and prosperity that our products and people deliver. We hope it meets your needs, whether you're researching what’s on offer, searching for an address, or renewing your insurance with us. We are committed to providing all our customers with the highest quality service. We aim to make it as simple and straightforward as possible for you to do business with us, either here online, in person, or over the phone with our agents. We have continuously innovated to ensure our products and services exceed your expectations and give you the sense of security that comes from dealing with Ireland’s leading insurer.
About life cover
Get life insurance to ensure the future financial security of your family or your business
How does life cover work?
Life cover pays out a predetermined lump sum of money if you die within a certain time period. This payment can be used to:
- Protect your loved ones financially if you die
- Ensure the financial survival of your business, in the event of the death of a key employee or director
Single, dual and joint life cover
Most of our policies are available on a dual or joint life basis as well as a standard single life policy.
Single life cover
- Taken out by one person
- Is payable on their death during the term of the policy
Dual life cover
- Taken out on behalf of two people
- Is payable on each death during the term of the policy
Joint life cover
Joint life cover is also taken out on behalf of two people. It can be taken out on a first death or second death basis:
|Policy||When will policy pay out?|
|Joint life first death||After the death of the first person named on the policy|
|Joint life second death||After the death of the second person named on the policy|
About specified illness cover
Protect your family from financial risk should you suffer from a specified illness
What does it cover?
If you or one of your children suffer from a specified illness, you may have to pay for:
- Medical costs
- Remodelling your home to accommodate special needs
Specified illness cover offers protection from these costs by providing a lump sum payment. The lump sum is paid out if you or one of your children are diagnosed and certified as suffering from a specified illness, as defined in the policy.
How much cover can I choose?
Specified illness cover comes in two standard packages – standalone cover and accelerated cover.
Types of cover
Our two standard packages for specified illness protection – standalone cover and accelerated cover
Standalone specified illness cover will give you a predetermined lump sum if you or one of your children is diagnosed with a specified illness during the term of your policy. You will only be paid the lump sum if you survive for at least 14 days after your illness is diagnosed and certified. You decide the term of your policy – choose any length between 5 and 30 years. Standalone specified illness cover can be arranged on a single, dual or joint life basis.
Accelerated specified illness cover provides a lump sum payment on the earlier of two events:
- The death of the person named on the policy (the 'life assured')
- The diagnosis and certification of a prescribed specified illness as defined in the policy
With accelerated cover, the lump sum is payable once on death or specified illness. Accelerated specified illness cover can be arranged on a single, dual or joint life basis.