Benefits of Life Insurance from Irish Life:

Irish Life offer a number of great, well-rounded life insurance plans.

They provide whole-of-life and term insurance plans to help protect your family in the event of death.

This can be particularly useful to offset any inheritance tax, pay for funeral expenses, clear any remaining debt and provide a lump sum to help provide some extra income when the need it.

Irish Life have some of the best options for life insurance in the Irish market and is well worth considering when getting quotes for your life insurance policy.

How is Irish Life different from other insurers?

One of the main differences with Irish Life plans is the age at which you can start a policy. Many Insurers have a cut-off age of 74. Irish Life’s cut-off age for starting a new policy is 82.

Irish Life also include their LifeCare package with all protection policies

This gives your family access to a number of different services:

  • MedCare: this Medical Second Opinion service gives you access to the world’s leading medical centres and allows you to have your diagnosis and treatment plan independently assessed by a team of international medical experts.
  • NurseCare: is a general helpline for medical queries. Think of it like having a professional nurse with you at all times, there to answer any questions you may have, even if it’s 2am!
  • NurseCare: The Women’s Health Centre is also a helpline service specialising in queries relating to women’s health issues including fertility, pregnancy and female specific illnesses.
  • ClaimsCare is a service which supports you and your family if you need to make a claim. A dedicated Irish Life claims assessor will assist you throughout the entire claim process and you can also avail of counselling sessions provided by the Clanwilliam Institute.

About NurseCare and MedCare

NurseCare and MedCare can be accessed even if you never make a claim. These additional benefits should be taken into account when pricing your life insurance policy options.

Irish Life: Life Insurance

Irish life insurance mortgage protection


Feature Answer
Minimum Premium: €15.15 per month
Minimum / Maximum Term 2 years / 50 years / 40 years with Specified Illness Cover
Are children covered? Yes, for €7,000
Can I put my partner on the policy? Yes
Applicants must be: 18-82 for beginning a Life Cover policy (policies with indexation cannot be taken out after age 65 next birthday)
Cover expires at:
  • 84 for Life Cover
  • 74 for Specified Illness Cover

Specific Illnesses Covered?

  • Yes
  • 45 full payment illnesses/conditions

  • 23 partial payment illnesses/conditions, (the lower of €15,000, or half your cover)

  • For Coronary Angioplasty, partial payment is the lower of €40,000, or 75% of your cover

Children's Specific Illness Cover?

  • Yes
  • The lower of €25,000, or half your cover, on full payment illnesses

  • The lower of €7,500, or half your cover, on partial payment illnesses

Is there a Conversion option?

  • Yes
  • Max age for Conversion is: 79

Rolling Conversion Option?

  • No

Optional Flexibility?

  • Yes

Guaranteed Insurability?

  • Yes


  • Yes

Temporary Accidental Death Benefit?

  • Yes

Terminal Illness Benefit?

  • Yes

Waiver of Premium Option?

  • No

Other Benefits?

  • Irish Life Medical 2nd Opinion Service