Protect what matters most

Mortgage Protection Insurance

Mortgage protection is a legal requirement for most mortgages in Ireland. It's a decreasing term life policy that pays off your mortgage in full if you die during the term.

• Required by law for most mortgage holders
• Decreasing cover matches your outstanding balance
• Joint cover available for couples
• Critical illness add-on available

Life Insurance

Level term life insurance pays a fixed lump sum to your family if you die. Unlike mortgage protection, it doesn't decrease — giving your family financial security beyond just paying off the mortgage.

• Fixed lump sum regardless of when you claim
• Protects your family's income and lifestyle
• Terms from 10 to 40 years
• Can be written in trust, which can speed up payment to your family
• Convertible policies available
• Reviewable and guaranteed premium options

Serious Illness Cover

Pays a tax-free lump sum on diagnosis of a specified serious illness — cancer, heart attack, stroke and many more. Gives you financial breathing space when you need it most.

• Tax-free lump sum on diagnosis
• Covers the specified conditions set out in the policy document, which vary by product
• Standalone or combined with life cover
• Children's cover often included
• Accelerated or additional cover options
• Claims paid regardless of ability to work

Income Protection

Replaces a portion of your income if you can't work due to illness or injury. Unlike sick pay, it continues for years — right up to retirement if needed. Tax relief available on premiums.

• Replaces up to 75% of your income
• Benefit paid monthly until you return to work or retire
• Tax relief on premiums at your marginal rate
• Deferred period from 4 to 52 weeks
• Escalation options to keep pace with inflation
• Especially important for self-employed people