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Convertible Joint Standalone Serious Illness

Life Choice Benefits
About the Policy
  • New Ireland Assurance Company plc
  • A lump sum will be paid out if you are diagnosed with one of the specified illnesses covered under your policy

Features

Childrens Specified Illness Cover

Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children aged between 6 months and 18 years of age (or up to age 21 if they are in full time education) is diagnosed with a specified illness.

Convertible

This option allows you to extend your length of cover or take out a new policy at any point during or after the current term without having to provide new evidence of health, up to the age of 65

Serious Illness

Pays a lump sum amount on diagnosis of 1 of 47 illnesses and the lower of €15,000 or 50% of the specified illness benefit remaining on a diagnosis of 1 of 20 illnesses during the chosen term. Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children is diagnosed with a specified illness between 6 months and 18 years of age (or up to age 21 if they are in full-time education).

A full list of illnesses covered is listed here

Life Choice Benefits
  • Life Events - Increase the lump sum amount by the lower of 50% or €100,000, without having to provide evidence of health, within 3 months of: a mortgage increase due to moving house; getting married; having or adopting a child. The max increase over the term of the policy is the lower of 100% of the lump sum amount or €200,000 (expires age 55).

  • Monthly Income on Death - Pays a monthly income on death for the remainder of the chosen term. The monthly amount will be paid out for a minimum term of 3 years should death occur within the last 3 years of the benefit term. Income on Death benefit must be selected for a minimum term of 10 years for this to apply.

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.

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