Funeral Insurance Policy
Our insurance policies provide cover, care and lots of great features and benefits. Read more about your policy details here.
For queries on your existing Life Choice Policy, please contact New Ireland on 01-5239810.
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 on 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.
No, your life insurance will not change in the future. 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).
No, you cannot change your plan once it's taken out.
The level of life cover chosen and monthly premium payments will not change throughout the entire life of the plan.
If you wish to increase your level of cover there is the option to take out a second Funeral Insurance policy.
If, when you've received your Funeral Insurance 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. If you cancel within the first 30 days following the date of the policy issue, you will receive a full refund of any premiums paid during this period. If you wish to cancel your policy after this initial 30 day cooling off period, any protection benefits provided under the policy will cease and you will not receive a premium refund.
You can cancel your Funeral Insurance policy, at any time if 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. Any premium paid by you will be returned in full if cancelled within 30 days. None of your monthly premiums will be refunded if you cancel your policy after this 30 day cooling-off period.
No, there are not any cancellation charges. However, 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.