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Life Choice You & Family

Helping you protect what matters most Request a Callback

We're Human About Insurance

We'll be there with cover when you or your family need us. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

How we Help

Pocket - Friendly Protection

We know that everyone wants to get great value on life insurance, so we offer competitive prices, flexible choices and optional upgrades to help you manage the cost of cover.

Stress - Free Cover

Get the peace of mind that comes with knowing you've put plans in place to protect your loved ones. If things go wrong, we'll be there to help relieve your family's financial burden.

Benefits and Bonuses

Our insurer helps you plan ahead, with benefits that can be used to create a lump sum payment for your family in the event of your death or if you suffer from a specified serious illness.

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our team is available five days a week - you can trust us to get the help you need, when you need it.

Features & Benefits 

For over two decades, we've helped customers from all walks of life, in every stage of their life journeys. Our Life Choice You and Family policy helps you make plans now to protect your family's future should the unexpected happen.

Lump Sum Payment

A lump sum payment can be made in the event of your death, which will help meet your family's immediate financial needs during a difficult time.

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Specified Serious Illness Cover

If you choose this benefit as an optional extra, you can arrange for a lump sum payment to be made in the event that you suffer from a specified serious illness.*

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Monthly Payment

If you prefer, you can arrange for a monthly income to be paid out in the event of your death, which will help maintain your family's current lifestyle and comfort.

Optional Upgrades**

You can customise your cover by purchasing optional upgrades such as Accident Payment, Hospital Payment or Medical-Free Conversion.**

* If this option is selected by you this will show in your policy schedule. Benefit can be standalone or deducted from the lump sum on death benefit.
**These benefits are optional extras and limits may apply, please refer to your Policy Booklet for full information. You are not required to purchase these optional extras when taking out a Life Choice Home, Life Choice Assets or Life Choice You & Family Protection plan.
Terms and conditions apply. Benefits are subject to underwriting and acceptance by New Ireland Assurance Company plc. A government levy (currently 1%) applies to premiums paid to life insurance policies. 

We value your feedback

Great value and super easy to get a quote. I was able to customise and upgrade the exact policy I needed. The experience is miles ahead of my past insurer. I would highly recommend this service!! John 17/11/2020

Good to Know

We've gathered together all the details you need to better understand your Life Choice You and Family 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.

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.

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.

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.

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.

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.

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.

Don’t be afraid to ask the advisor questions. You should know the product inside out before buying it. What happens if I change my mind about cover or need more cover? How long are premiums guaranteed for? What are the exclusions?

Make sure you do your research before purchasing an insurance product. Make sure it fits your needs and budget, and make sure you understand the contract. The advisor is obligated to explain it to you. Don’t sign until you understand the contract.

No one understands your financial situation better than you. That means you should avoid letting someone else tell you how much protection you need. You can get a rough estimate of your insurance needs by adding together your debt, estimated funeral costs, and six months to a year of income replacement. You need the policy that’s right for you and your family’s financial situation.

Don’t be afraid to ask the advisor questions. You should know the product inside out before buying it. What happens if I change my mind about cover or need more cover? How long are premiums guaranteed for? What are the exclusions?

Make sure you do your research before purchasing an insurance product. Make sure it fits your needs and budget, and make sure you understand the contract. The advisor is obligated to explain it to you. Don’t sign until you understand the contract.

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 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.

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.

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.

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.

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.


Buying a home is one of the biggest financial commitments you’ll ever make so putting the right cover in place to protect it is very important. Life Choice Home Mortgage Protection is designed to pay off the outstanding balance on your mortgage if you die or suffer from a specified serious illness (if this option is selected by you this will show in your policy schedule) during the term of the policy. Most people take it out for the term of their mortgage and the cover on this plan reduces each month as the amount owed on the mortgage reduces. 


If you die prematurely your plan can be used to:


  • Clear your mortgage
  • Secure ownership of your home

It is however important to note that should your mortgage change (e.g. you extend the term or change the amount of the loan etc.) that you also review your related life assurance cover to ensure that it continues to meet your specific needs.


Life Choice Home is a highly flexible mortgage protection plan which allows you to:

  • Increase or decrease your cover amount
  • Extend or reduce your term of cover
  • Increase the amount of cover within 3 months of moving house, getting married or having a child without having to provide evidence of health
  • Move to a new mortgage or family protection plan without having to provide evidence of health if the Medical Free Conversion option is selected
  • Avail of a Children’s Protection Benefit
  • Add Specified Serious Illness Cover (this is an optional cover which must be chosen by you to be included – if selected this will show in your policy schedule)

Terms and conditions apply. Benefits are subject to underwriting and acceptance by New Ireland Assurance Company plc. A government levy (currently 1%) applies to premium paid to life insurance policies.

You can also add one or more optional benefits to further protect your home or assets in the short-term, for example:

  • Specified serious illness cover if chosen pays a lump sum in the event you suffer one of the specified serious illnesses covered
  • Depending on the LifeChoice product selected there are a range of other additional benefits such as surgery payment benefit, Hospital payment etc
  • Medical Free Conversion allows you to convert your policy to a new mortgage, family protection or assets plan without the need for further medical evidence.

The benefits above are optional extras and you are not required to purchase them when taking out a Life Choice Home, Life Choice Assets or Life Choice You & Family Protection plan.

Terms and conditions apply. Benefits are subject to underwriting and acceptance by New Ireland Assurance Company plc. A government levy (currently 1%) applies to premiums paid to life insurance policies. 

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