Group voluntary protection coverage products are ideal for companies, unions and representative bodies. They offer a more affordable solution than arranging individual cover, and it’s much easier for members to apply.
Members sign up, pay for the benefits and enjoy the favourable terms the policyholder has arranged on their behalf.
Irish Life is the market leader in providing group voluntary protection in Ireland.
We insure more than 100 voluntary schemes with over 150,000 members across trade unions, representative bodies, professional organisations, companies and other groups.
The union, representative body or organisation can tailor their member benefits package to suit its needs.
If the worst happens and a member dies while in service, life assurance cover pays a lump sum payment to their family.
The collective nature of the scheme means costs are lower than for individual cover.
A member may get tax relief on the cost of this benefit if it is part of an Additional Voluntary Contribution (AVC) plan.
With many applicants, we use a simple, smart underwriting process. Members just answer 8 quick yes or no medical questions.
The collective nature of the scheme means costs are lower than for individual cover.
A member may get tax relief on the cost of this benefit if it is part of an Additional Voluntary Contribution (AVC) plan.
With many applicants, we use a simple, smart underwriting process. Members just answer 8 quick yes or no medical questions.
If your member or their child is diagnosed with one of the specified illnesses we cover, they will get a lump sum payment. Children are covered for the same list of illnesses. Critical illness cover is also known as serious illness cover or specified illness cover.
The collective nature of the scheme means costs are lower than for individual cover.
Members’ children aged 0-25 are included free of charge.
No underwriting needed for large groups. No medical questions.
The collective nature of the scheme means costs are lower than for individual cover.
Members’ children aged 0-25 are included free of charge.
No underwriting needed for large groups. No medical questions.
Contact our expert team to explore tailored coverage solutions.
Income protection replaces part of a member’s salary if they can’t work due to illness or injury.
Income protection insurance provides a regular income to the member. The benefit amount is treated as normal income and is taxable.
Payments start after a waiting period (known as the deferred period) and are paid monthly in arrears. The standard minimum deferred period is 26 weeks.
The collective nature of the scheme means costs are lower than for individual cover.
A member may get income tax relief on the cost of this benefit.
With many applicants, we use a simple, smart underwriting process. Members just answer 9 quick yes or no medical questions.
We make the claims process easy for members, their families and organisations who are supporting people during difficult situations.
In 2024, we paid over €4.2 million in group critical illness claims to 160 people.
Contact our team if you wish to make a claim and they will send you a claim form and information on requirements.
Email: cbvoluntaryrisk@irishlife.ie
Important note: Payment of any Life Assurance, Critical Illness, or Income Protection benefit is always subject to complying with the terms and conditions of the respective cover.
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