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— A BIG INNOVATION FOR LIFE INSURANCE —
One less thing to worry about
For years life insurance has been all about what might happen if we die. How might it affect our family’s future? Could they cope financially? Important questions for us all to answer.
But what if we got sick? Or just couldn’t work for a while because of an injury? How would you get by financially? OnePlan protection gives you just that, providing income support for you and your family not just in death, but also if you can’t work because of illness or injury, while employed.
What exactly does the plan offer?
The plan covers the things people need most. Like a replacement income to support your family if you die before your cover ends. It can include money to cover bills if you’re out of work with an injury or sickness, and a lump sum to support you if you are recovering from one of the specified illnesses in the plan.
— WHAT WE OFFER —
Benefits of OnePlan protection
Decreasing life cover
Decreasing life cover pays a lump sum to replace your income if you, or anyone covered for this on your plan, dies
Bill cover
Bill cover pays your essential monthly bills if you can’t work due to injury or an illness (while you are employed). That means you don’t have to worry about things like your mortgage or rent and utility bills
Specified illness cover
Specified illness cover provides a lump sum if you are diagnosed with one of the conditions covered in the plan
Don't forget the additional extras
There are some additional extras too, like children’s cover, terminal illness cover and guaranteed insurability – these depend on the benefits you have on your plan
Flexible to suit your needs
The plan is really flexible too, as you can change it with your circumstances. Irish Life allow you to review your level of cover and benefits from the first anniversary of the start of your plan
Optional funeral cover
Irish Life can also provide money to your family to help them cover the cost of your funeral and other related expenses*
Optional guaranteed cover
You can choose guaranteed cover as an optional benefit*
How do I know if OnePlan protection is right for me?
- OnePlan protection would suit me if…
- OnePlan protection may not suit me if…
- I’m over 18.
- I would like to cover my partner too.
- I would like the idea of having all different types of cover paid for in the one plan.
- I want flexibility to change my plan if my circumstances change.
- I am resident in Ireland.
- I am under the age of 18.
- I am looking for a savings plan.
- I am not resident in Ireland.
What you need to know
We want you to have all the information you need to get insured. Here are a few points to consider:
- To stay covered, you must keep up your payments. This is a life insurance plan, so you won’t be able to cash it in – that’s what great savings plans are for, after all.
- Some upper age limits may apply depending on the benefits chosen.
- Irish Life will not pay claims in certain circumstances, for example, if you have not given us full information about your health, occupation, pastimes or hobbies.
- To help you get the most out of your plan, before taking out insurance cover you’ll need to meet with a financial advisor. Your local EBS financial advisor will be delighted to sit down and help you put together a personalised plan to suit your life.
- What if you change your mind? If you feel your plan isn’t suitable, you have 30 days to cancel it and will be refunded any payments you have made in this time.
- Your EBS financial advisor will also work out exactly what level of cover you may need – this can change depending on your income and expenses. You can choose one of the three bundled cover options, Standard, Essential or Comprehensive. You can tailor the benefits to your needs; you can choose any benefit on its own or a combination of benefits. Your EBS financial advisor can help you choose the best ones for you.
Looking for more info? Check out the guides below for further information:
— FAQ —
Got some questions?
When you need to know, you need to know. Here are some useful answers to big questions.
Important Information
OnePlan Protection is provided by Irish Life Assurance plc.
Acceptance terms and conditions apply. EBS d.a.c. is tied to Irish Life Assurance plc.
Irish Life Assurance plc is regulated by the Central Bank of Ireland.
EBS d.a.c. is regulated by the Central Bank of Ireland.
* These are optional, and if selected you will be charged an additional cost for certain benefits.
- WARNING: YOU MUST KEEP UP WITH YOUR MONTHLY PAYMENTS TO STAY ON COVER.