OnePlan Protection

OnePlan Protection

OnePlan protection provided by Irish Life is a big innovation for life insurance in Ireland. It includes lots of different types of cover all in the one plan – so it can give you all the peace of mind you need! Phew.

What exactly does this protection plan offer? The plan covers the things Irish 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.

We can help you choose which benefits you need, all depending on your personal circumstances. Read on to discover the features and benefits or request a call back below from a local financial advisor

This product is provided by Irish Life Assurance plc.

The Benefits of OnePlan Protection

  • Decreasing Life Cover pays a lump sum to replace your income if you, or anyone covered for this on your plan, dies.
  • 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 provides a lump sum if you are diagnosed with one of the conditions covered in the plan.
  • 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.
  • Irish Life can also provide money to your family to help them cover the cost of your funeral and other related expenses (this is optional, and if selected you will be charged an additional cost).
  • 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.
  • You can choose guaranteed cover again as an optional benefit (take note, this is at an additional cost on certain benefits).

OnePlan Protection would 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.  

OnePlan Protection may not suit me if…

  • I am under the age of 18.
  • I am looking for a savings plan.
  • I am not resident in Ireland.

Important Things to Note

  • For full information and benefit descriptions including any restrictions and exclusions you must read the OnePlan Protection booklet and terms & conditions booklet.
  • 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.

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.