Life Insurance Policy
Our insurance policies provide cover, care and lots of great features and benefits. Read more about your policy details here.
Over 50s Funeral Insurance Benefits
If you’re aged between 50 and 75 and resident in the Republic of Ireland, you are eligible for this product, which means you don’t need to worry about any medical questions, check-ups or reports.
You will not be asked any medical questions and no medical check-ups or reports will be needed now or at any time throughout your cover.
Your loved ones can claim a lump sum payment, up to a maximum of €30,000 (depending on your monthly contributions) to cover funeral expenses or other outstanding bills at the time of your passing - once your policy has been in force for 2 years or more. And in the unlikely event that your death takes place within the first 2 years of your policy being in force, your dependants will receive a sum equal to the amount you have paid into the policy at that time.
Premiums to Suit You
You can choose the monthly premium you would like to pay and we can then tell you the level of life cover this will secure for you, or you can choose a level of life cover and we will then tell you how much of a monthly premium you will have to pay.
Ease of Application
Having first decided on the level of life cover and agreed the amount of premium to pay all you need to do is complete and return your application form and make your first premium payment, it’s that simple.
Premiums Cease at the Age of 85, but Life Cover Will Continue Until You Die
Your monthly premium payments will cease when you reach the age of 85. However, your life cover will continue until you die.
Full Life Cover Benefit Payable after 2 Years
In the unlikely event that your death takes place within the first 2 years of your policy being in force, your dependants will receive a sum equal to the amount that you have paid into the policy at the time of your death. The full death benefit becomes payable on death after the first 2 years of the policy being in force.
Consistent Level of Life Cover & Unchanging Premiums
The level of life cover you choose and your monthly premium payments will not change throughout the entire term of your plan.
Choice of Flexible Payment Methods
You can choose to pay your monthly premiums either by Direct Debit or at your local Post Office – the choice is yours!
Peace of Mind & Security for Your Loved Ones
In the event of your death, the lump sum amount paid to your family can help ease uncertainty and worry over their immediate financial security at a difficult time.
Travel Accident Benefit
If while your policy is in force, 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 the amount of your selected life cover.
Your Policy Over 50s Funeral Insurance
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.
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.
No. Your regular payments are guaranteed never to increase or decrease.
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.
Your Policy Life Choice
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.
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.
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.