Life Cover

Protecting Your Family’s Future

Life cover provides essential financial support for your loved ones in the event of your death. Even in your absence, financial responsibilities such as mortgage repayments, educational expenses, and other credit commitments must still be met.

With the right life cover in place, you can help safeguard your family’s standard of living and provide them with much-needed peace of mind. Choosing the appropriate level of cover may seem overwhelming, but at Assured Financial Solutions Ltd., our experienced financial advisors are here to guide you through the process and help you find a policy that meets your unique needs.

Term Life Insurance Highlights

Suitable for people aged 18 to 82

Your regular payments are fixed except if indexation selected

Can choose life and/or specified illness cover

Other benefits available

Life Long Insurance could be suitable if you:
  • Want a guaranteed protection plan for life with payments that don’t change-unless you choose the indexation option;
  • Have assets you want to protect against inheritance tax;
  • Want cover for the rest of your life (because cover is for your whole life, you may pay more for this cover and must continue to make payments even after you retire);
  • Only need life cover benefits; and;
  • Are aged between 18 and 74.
Life Long Insurance may not be suitable if you:
  • Xaare looking for flexible payments and the possibility to change your cover in the future;
  • Do not need to plan for inheritance tax;
  • Are looking for a plan with a cash-in value;
  • Want additional benefits on your plan for example, specified illness cover;
  • Are looking for a plan that provides cover for a set term or to cover your mortgage (you would prefer to make payments over a shorter period and because it is for a set term, you should pay less for this); and
  • Are not aged between 18 and 74.
Mortgage Life Insurance might suit you if you:
  • Are aged 18 to 74;
  • Want a guaranteed plan with payments that don’t change;
  • Are looking for a mortgage protection plan for a fixed term (the cover decreases over the term of the plan. This is because the balance on your mortgage reduces over time, as you repay your mortgage);
  • Want life cover for five to 40 years (to a maximum age of 85) and specified illness cover for five to 40 years (to a maximum age of 75);
  • Can afford regular payments of at least €13.13 a month. This includes the 1% government levy (July 2023).
Mortgage Life Insurance might not suit you if you:
  • Are younger than 18 or older than 74;
  • Are looking for flexible payments;
  • Want cover for the rest of your life;
  • Want mortgage cover that gives you some excess cover;
  • Have less than €13.13 a month to pay for cover;

Pension Life Insurance Company - Highlights

Suitable for people aged 20 to 68

Your regular payments are fixed (unless you chose indexation)

Potential corporation tax relief

Extra benefits and other services available

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