An Post Insurance aims to make insurance easy to understand for everyone. We have developed a comprehensive list of frequently asked questions and answers. For any further details, please contact our Customer Care Team in Athlone on 1890 22 22 22.

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.

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.

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.

An Post Insurance is a tied agent of New Ireland Assurance Company plc for life assurance business. Life assurance policies are underwritten and provided by New Ireland Assurance Company plc.