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Dual Convertible Term Life Insurance

About the Policy
  • Friends First Life Assurance Company Limited
  • A lump sum will be paid out if you die within the term of the policy
  • Your premium will not change throughout the term of your policy
  • Your cover can be a single, joint or dual policy
  • You have an option to add Serious Illness Cover (minimum sum of €12,000)
  • This policy is suitable for family protection, business protection and interest-only mortgages

Features

Terminal Illness Benefit

If you are diagnosed with an advanced or rapidly-progressing incurable illness where, in the opinions of an attending Consultant and our Chief Medical Officer, your life expectancy is less than 12 months, your full life cover will be paid out.

Childrens Life Cover

If your child dies during the term of your policy, a sum of €5,000 or 10% of the life cover sum insured (which ever is lower) will be paid out. All of your children between the ages of 30 days to 21 are covered under the policy.

Convertible

This option allows you to convert your cover to another policy without having to provide new evidence of health. You can use this option at any point over the course of your policy, up until you turn 65.

Guaranteed Insurability Option

This option allows you to get 20% additional cover every three years, without providing medical evidence. This option is sent out five times, from the third anniversary to the fifteenth anniversary of your policy’s start date and allows you to double your cover over the lifetime of your policy.

If the increase is declined more than once when offered, it will not be offered again

Quotation is valid for 7 days or until age next quarter (whichever is sooner). This quotation assumes that you are accepted by the insurance company at standard rates. Friends First Non Smoker rates assume that you have not smoked or used any tobacco related products or nicotine replacement in the last 12 months. All premiums quoted include the 1% government levy. The minimum premium with Friends First is 10.00 per month or €100 per annum

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