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Life Insurance FAQs

We've gathered all the details you need to better understand your insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve at the price you prefer.

Over 50s Funeral Plan Insurance

An Post Insurance Over 50s Funeral Plan is a life insurance policy which allows you to prepare financially for the cost - or part of the cost - of your funeral. By taking out this policy, you can ensure that you leave your loved ones some money to take care of the cost of your funeral - or to take care of other expenses.

Taking out a funeral plan can allow you and your family to be financially prepared for the costs of your funeral - as well as some of the bills that you may leave behind on your passing. Taking out an An Post Insurance Over 50s Funeral Plan will help you save your loved ones the worry and stress of financing your funeral at an emotional time.

An An Post Insurance Over 50s Funeral Plan guarantees your loved ones a fixed lump sum on your passing. The level of cover is based on the age you commence your policy and the level of cover you choose. Premiums start at just €15 per month.

For example, a 50 year old paying a premium of €15 per month would be assured for €4,700. A 62 year old paying a premium of €20 per month would be assured for €3,190. You can choose the level of cover you want - depending on the type of funeral you wish to have. The total premiums paid over the term of your policy may exceed the death benefit.

Your savings may not be enough to cover your funeral costs - whereas a well thought-out funeral plan can be - depending on your preferred premium and choice of funeral arrangements.

It's not just for the over 50's! Over 50s Funeral Plan is perfect for the over 60's and over 70's as well. Anyone aged 50 to 75 who is living in the Republic of Ireland can apply.

No, you can get a quote for an Over 50s Funeral Plan on behalf of someone else but the policy can only be taken out by the named owner of the policy.

From the first day of your policy being active with us, if you have a motor accident or an accident as a fare paying passenger or pedestrian and you die as a result of this accident within 3 months your beneficiaries will receive double your selected life cover.

No. As long as you're aged between 50 and 75, you're guaranteed to be accepted for an Over 50s Funeral Plan.

Level of life cover is the lump sum payable to your beneficiaries upon your death. This is sometimes referred to as the sum assured or lump sum benefit.

This is the person whose life is assured by the policy i.e. the person on whose death the sum assured will be paid.

No. Your life insurance and your premium are fully guaranteed and cannot increase or decrease. They will remain the same even if the cost of living increases each year (inflation).

If, when you've received your Over 50s Funeral Plan policy, you feel it is not suitable for your needs, you may cancel it by instructing us in writing and returning the policy documents to us. You must do this within 30 days of receiving your policy and any premium paid by you will be returned in full.

You can pay in monthly installments by Direct Debit or at the Post Office.

No, our Over 50s Funeral Plan is a regular premium protection policy where payments are made monthly. We have a range of ways for you to pay for your chosen funeral plan.

No. Your regular payments are guaranteed never to increase or decrease.

Your regular payments depend on your age and the amount of cover you want. The minimum regular payment is €15 a month.

If, when you've received your Over 50s Funeral Plan policy, you feel it is not suitable for your needs, you may cancel it by instructing us in writing and returning the policy documents to us. You must do this within 30 days of receiving your policy and any premium paid by you will be returned in full. If you cancel your life policy after 30 days, none of your monthly premiums will be refunded.

If you stop paying your premiums, or cancel your policy (after 30 days), any protection benefits it offers will cease and no value will be payable and none of your monthly premiums will be refunded.

This is the date that your life insurance plan becomes active, which is the date from which cover is provided. This date is shown on your schedule.

An Post Insurance's Over 50s Funeral Plan is underwritten by New Ireland Assurance - one of Ireland's largest life and pension companies which look after the protection and investment needs of over 500,000 policyholders.

Life Choice

Life Choice is a market leading protection product underwritten by New Ireland Assurance Company plc. You can use it to protect your home, your income and your family.

Single life – covers only one life insured and pays out once.

Joint life – a joint life insurance policy covers two people and pays out once. It is a policy that provides cover for two people and pays out a benefit on the first death, of either insured person and therefore will only pay out a benefit once. This is why joint life cover is usually cheaper than dual life cover.

Dual life – covers two people independently. It is a life insurance policy that provides cover for two people and continues after the first person dies. It pays out benefits on each death. It could potentially pay out twice during the course of the policy.

For the large majority of applications, a medical examination is not necessary. Depending on the level of cover sought or information provided in your application, we may ask you to have a medical examination with an independent doctor or nurse. The medical can be arranged at a convenient location and the cost will be covered by the underwriter.

We will process your application as soon as it is received. If the application form is fully completed and no further information is required (e.g. from your doctor) we will then issue you with a policy document within 10 business days.

When your application is accepted and if you have already indicated when you want the cover to start we will put the policy in-force and send you a policy document. If you have not indicated when you want the cover to start you will be contacted for that information and the policy document will be issued once we have received confirmation of the intended start date.


The policy document (or a copy of your policy document) will be posted to you. It includes a policy schedule which contains the specific details of your cover (type and amount of cover, term of cover etc) and the policy conditions which set out the standard policy terms and conditions (e.g. Definitions of terms, when the cover is payable etc.). You should keep the policy document in safe place for future reference.

We recommend that you apply for your cover at least 6 to 8 weeks in advance of the date you plan to draw down your mortgage. When your application is accepted we will let you know and we can keep your application on hold until you draw-down your mortgage.

If you wish to amend your benefits, please call 1850 200 318, and they will be more than happy to assist you with this and advise what will be required in order to alter your policy.

No, the premium is fixed throughout the term of your life choice policy and will remain the same once the benefits are not amended during the policy term. However; if you have chosen the increasing cover option (indexation) then provided premiums have been paid, we will increase the premium and the protection benefits on each policy anniversary by 3% per annum; if you have chosen increasing cover then this will be stated on your original policy schedule.

You can pay in monthly installments by Direct Debit or at the Post Office.

It is your responsibility to ensure that your premiums are received when due. If your premiums are not received when due or you stop paying your premiums or cancel your policy during the term, then your policy and any protection benefits it offers, will cease and no benefits will be payable.

In the case of life choice your underwriter will allow you 30 days for payment from the date that the premium is due. If the premium is not received within 30 days of being due your policy and protection benefits will cancel immediately without further notice and you are no longer on cover for any protection benefits. If you have assigned your policy, we are obliged to notify the assignee (the lender) that premiums have not been paid and that cover no longer applies.

This is the date that your life insurance plan becomes active, which is the date from which cover is provided. This date is shown on your schedule.