Life & Serious Illness
Life cover ensures that your financial responsibilities are taken care of in the event of your death. It pays out a lump sum to your family and replaces income you would have earned during your working life, ensuring that your family is financially secure.
Serious Illness Cover means that you are insured in the event of contracting a serious illness where a lump sum will be paid out to help with day to day expenses or covering your health bills.
Term Life Protection Cover
Features
- This policy is taken out over a term, for example 40 years, and expires after this term
- Our premiums are some of the most affordable in Ireland
- Get one months cover free, the cost of the first month is on us
- You can be covered up to age 90, the oldest age offered by any insurer
- You have the option to increase your cover without providing further medical evidence if you increase your mortgage, get married or adopt a child
- 'Helping Hand' is an additional benefit offered by Royal London which offers one to one personal support from a nurse in the event of illness or bereavement
Whole Life Protection Cover
Features:
- Whole of life insurance or whole of life cover, as you'd expect, is a life insurance plan that lasts for a whole lifetime, and is not limited to a specific term
- If you pass away this policy will provide a lump sum payment to your family
- It can also provide tax-efficient inheritance planning cover for your family, so as not to impact their inheritance
- Considerate: Lump sum payment may be used to cover funeral expenses
- Whole of life Cover can be taken out by anyone aged between 45 and 74 years of age
- The premium is also guaranteed never to increase.
Serious Illness Cover
Features:
- Serious Illness Cover pays out a lump sum if you are diagnosed as suffering from one of over 60 illnesses we cover during the term of your policy.
- This money can be used to pay for things such as household bills or medical expenses that are not covered under your health insurance
- Serious illness cover can be purchased as an additional benefit to most life insurance policies
- It pays out a tax-free, cash lump sum if you are diagnosed with a life-threatening illness such as cancer, heart attack or stroke.
- Specified Mental Illness Benefit for adults with some insurers
- Children’s Specified Serious Illness Cover with some insurers included with parents cover
- 'Helping Hand' is an additional benefit offered by Royal London which offers one to one personal support from a nurse in the event of illness or bereavement
Our Partners
Interested in reviewing your insurance cover and finances? We’re here to help!
We want to know your needs exactly so that we can provide the perfect solution. We offer no obligation financial planning reviews of your cover and future financial landscape. To book a consultation, please click below: