Life Choice Benefits
If you are diagnosed with a terminal illness within 18 months of the end date of your policy, your full life cover sum will be paid out. A terminal illness is defined as one with which you are given less than 12 months to live.
An amount of €4,000 is payable on the death of a child during the term of your policy. This applies to all the natural and/or legally adopted children of a Life Insured who are aged between 6 months and 18 years at the date the benefit is payable and also to those who are aged between 18 and 21 years who are in full time education.
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).
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.
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