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Types of Life Policies

	Term Policies	Providing cover for period of 1 year upwards
	Whole Life	Providing cover for whole of life. Premium can stop earlier ie at an agreed age
	Endowment	Temporary policies with life cover and guaranteed benefit with or without profit.
	Index Linked Funds	Life Cover plus investment in a variety of funds of your choice.
	Critical Illness Cover	The name gives a good indication of cover provided -illness's are defined in the policy. This is an important type of cover that can often be overlooked.
Types of Personal Accident Policies
	Personal Accident	Basic Annual Policy Death, Loss of limbs eg E100,000 Weekly Benefit up to 2 years E200 per week
	Accident & Sickness	As above plus weekly Sickness Benefit
	Accident Capital Benefit	Lump sum benefit for accidental loss of eyes, limbs or death.
Income Protection
	Income Protection	To provide income benefit to retirement age (65) in event of disability from accident or illness.

Life Cover
€200,000 - Level term 20 years from age shown below. Non smoker

Monthly Premium
(Rough guide - contact us for individual quotations)

Critical Illness
Benefit €100,000 - 10 years - term

Life & Stand Alone Serious Illness Quotes
(Rough example of costs - contact us for individual quotation.)

The cover is based on two lives assured, the first a male, aged 26 years 11 months (11/05/1976) who is a non smoker and the second a female, aged 25 years 11 months (26/03/1977 who is a non smoker. The figures are all in euro, and the premiums shown are payable monthly over the term of the cover which is 25 years. Premiums and benefits are assumed to increase each year. Please note, different products have different rates of premium and benefit indexation at the bottom of the page.

Dual Cover		Joint Cover
Level	Convertible		Level	Convertible
Temporary Cover	Temporary Cover		Temporary Cover	Temporary Cover
E58,00	E64,000		€54,000	€59,000

*Dual life quotes are for life cover of €130,000 with stand-alone serious illness cover of €130,000 for the first life and life cover of €130,000 with stand-alone serious illness of €130,000 for the second life. Joint life quotes are for life cover of €130,000 and stand-alone serious illness cover of €130,000.

Benefits increase at 5% for all products.