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New Ireland Joint Mortgage Protection with Serious Illness

Life Choice Benefits

About the policy

New Ireland Assurance Company plc

  •   Your life cover will decrease throughout the term of your policy 
  •    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 policy can be assigned to your lender (the proceeds of any claim would be paid to your lender to clear your mortgage)                                                                       
  •   Your cover can be a single or joint policy                                                                              
  •   You can change the cover amount and term during the life of your policy 
  •   You can increase the cover amount within 3 months of increasing your mortgage and moving house, getting married or having or adopting a child without having to provide evidence of your health


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.

Children's life cover

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.

Joint Serious Illness

If you have availed of joint life cover with accelerated serious illness and either person is diagnosed with a specific serious illness within the term of the policy, a payment is made, the serious illness portion of the policy ceases and the life sum insured is reduced by the amount of the claim.


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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