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Life Cover 

If you earn an income, own a home, have a family, a business or an investment property, then protecting you and your family against the financial impact of death is one of the most important decisions you can make.

You can’t predict what is going to happen from one day to the next but you can prepare for it. Having the facts to hand means you can make an informed decision on what life insurance you and your family need.

Having a life insurance plan is an effective way of providing peace of mind knowing that should the worst happen, your loved ones will have the financial security they need at such a difficult time.

You can set up your life cover to pay a lump sum amount, a monthly income amount, or both. - Review your life cover today...

  Benefit Options

Lump Sum on Death Benefit: this pays out a lump sum in the event of death, or in certain circumstances on diagnosis of a terminal illness, during the term of cover.
Income on Death Benefit: this pays out a monthly income on death or, in certain circumstances on diagnosis of a terminal illness, for the remainder of the term of cover.

    Plan Types

Term Assurance: this plan pays the benefit on death. You are covered for the specified term of years, e.g. 10 years; 20 years; etc. 
You can include a 'conversion option', this allows you to continue with cover within or at the end of your policy term, without providing further medical details. This option is normally recommended to allow for changing circumstances.


  • Term assurance provides cover at an economical cost.
  • This type of plan is suitable for protecting your income while you are earning. 
  • Term Loans can be covered using this type of policy
  • Death related costs can be added. The 'conversion option' is recommended if using this plan for death related costs.
  • Specified Serious Illness Cover can be added to your life cover Term Assurance

Whole of Life: this pays out a lump sum on death at any stage of your life and not just within a specified term, provided that you have paid all premiums when due. Whole of LIfe plans can be used for Inheritance Tax puposes under Section 72 'Qualifying Insurance Policy'  


  • suitable if you want certainty of cover for the rest of your life
  • suitable for Inheritance Tax under Section 72 'Qualifying Insurance Policy'
  • suitable in later life as term assurance is limited by age and term. 

Find out more about life cover options.....


Important Note
Life Cover and Specified Serious Illness Cover are subject to terms and conditions which are contained in a policy document. It is important to note that not all serious illnesses are covered under these policies. In order to make a valid claim, policy specific conditions must be met and certain exclusions apply. You should refer to the relevant policy document which is available on request and which will be provided where a policy is requested/proposed.