Financial Protection for the Family
A flexible plan which allows change, through the Life Cycle can be the answer. Every family’s needs are individual, so get a tailor made package to suit YOUR needs at all stages.
You can take out a short term plan with a large sum assured for when you need cover most, and convert it to a lifelong plan with a smaller sum assured at a later date. Both plans have specific cost and cover so you can have certainty and peace of mind.
Young Unmarried Couple with a home
- 1 in 10 Adults in Ireland are cohabiting]
- You need to protect against TAX for surviving partner
- A partner is only entitled to a Tax free amount of €15,075.
- Remainder of inheritance is taxed at 33% (Including the value of the Family Home)
- Policy may be taken to pay tax on death, allowing home to transfer to your partner tax free.
- See Inheritance Tax
- Click to see indicative rates
Life Term Rates 1 |
Age Next Birthday |
Sum Assured |
Term |
Monthly Premium |
Monthly Premium |
|
|
Convertible |
Non smoker |
smoker € |
25 |
100,000 |
20 years |
€10 |
€10 |
30 |
100,000 |
20 years |
€10 |
€11.73 |
35 |
100,000 |
20 years |
€10 |
€15.55 |
40 |
100,000 |
20 years |
€12.59 |
€22.75 |
45 |
100,000 |
20 years |
€18.09 |
€35.95 |
50 |
100,000 |
20 years |
€28.18 |
€61.35 |
55 |
100,000 |
20 years |
€49.46 |
€98.68 |
60 |
100,000 |
20 years |
€81.81 |
€161.31 |
65 |
100,000 |
20 years |
€166.12 |
€491.20 |
Notes: |
|
|
|
|
All quotes assume normal standard rates apply. |
All rates include convertible option. |
Rates are correct as at 14/4/2016, and are subject to change |
Rates are currently best in market. |
Young Married Couple with children
- 90% of parents in Ireland, say that they would do anything for their children*
- Almost 50% of parents in Ireland have NO life cover*
- Of the ones who have, 40% have only Mortgage Protection*
- You need to protect your family’s future
- If you have ever worried about not having enough, What if your family had nothing?
- Protect against money worries and sleepless nights
- Click to see indicative rates
Life Term Rates 1 |
Age Next Birthday |
Sum Assured |
Term |
Monthly Premium |
Monthly Premium |
|
|
Convertible |
Non smoker |
smoker € |
25 |
100,000 |
20 years |
€10 |
€10 |
30 |
100,000 |
20 years |
€10 |
€11.73 |
35 |
100,000 |
20 years |
€10 |
€15.55 |
40 |
100,000 |
20 years |
€12.59 |
€22.75 |
45 |
100,000 |
20 years |
€18.09 |
€35.95 |
50 |
100,000 |
20 years |
€28.18 |
€61.35 |
55 |
100,000 |
20 years |
€49.46 |
€98.68 |
60 |
100,000 |
20 years |
€81.81 |
€161.31 |
65 |
100,000 |
20 years |
€166.12 |
€491.20 |
Notes: |
|
|
|
|
All quotes assume normal standard rates apply. |
All rates include convertible option. |
Rates are correct as at 14/4/2016, and are subject to change |
Rates are currently best in market. |
Single Parents
- Almost 1 in 4 children in Ireland live in single parent households
- You have the responsibility of being the sole provider for your children
- How would your financial support be replaced if you died
- Click to see indicative rates
Life Term Rates 1 |
Age Next Birthday |
Sum Assured |
Term |
Monthly Premium |
Monthly Premium |
|
|
Convertible |
Non smoker |
smoker € |
25 |
100,000 |
20 years |
€10 |
€10 |
30 |
100,000 |
20 years |
€10 |
€11.73 |
35 |
100,000 |
20 years |
€10 |
€15.55 |
40 |
100,000 |
20 years |
€12.59 |
€22.75 |
45 |
100,000 |
20 years |
€18.09 |
€35.95 |
50 |
100,000 |
20 years |
€28.18 |
€61.35 |
55 |
100,000 |
20 years |
€49.46 |
€98.68 |
60 |
100,000 |
20 years |
€81.81 |
€161.31 |
65 |
100,000 |
20 years |
€166.12 |
€491.20 |
Notes: |
|
|
|
|
All quotes assume normal standard rates apply. |
All rates include convertible option. |
Rates are correct as at 14/4/2016, and are subject to change |
Rates are currently best in market. |
Stay at Home Parents
- It’s estimated that the economic value of a stay at home parent, is about €50,000 per annum*
- Think of the replacement childcare and housework costs
- Would the “Breadwinner” be able to continue working?
- Click to see indicative rates
Life Term Rates 1 |
Age Next Birthday |
Sum Assured |
Term |
Monthly Premium |
Monthly Premium |
|
|
Convertible |
Non smoker |
smoker € |
25 |
100,000 |
20 years |
€10 |
€10 |
30 |
100,000 |
20 years |
€10 |
€11.73 |
35 |
100,000 |
20 years |
€10 |
€15.55 |
40 |
100,000 |
20 years |
€12.59 |
€22.75 |
45 |
100,000 |
20 years |
€18.09 |
€35.95 |
50 |
100,000 |
20 years |
€28.18 |
€61.35 |
55 |
100,000 |
20 years |
€49.46 |
€98.68 |
60 |
100,000 |
20 years |
€81.81 |
€161.31 |
65 |
100,000 |
20 years |
€166.12 |
€491.20 |
Notes: |
|
|
|
|
All quotes assume normal standard rates apply. |
All rates include convertible option. |
Rates are correct as at 14/4/2016, and are subject to change |
Rates are currently best in market. |
Empty Nest Couple
- Your Life Policy may have become very expensive
- You may not require such a large amount
- There are options, and the sooner you act the better
- You may need to safeguard your assets against the Tax man
See Inheritance Tax
- IRISH LIFE paid out €412,000 in Death Claims EVERY WORKING DAY IN 2015
*Per Coyne Research for ILFS