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OnePlan Protection

Tailored cover that suits your needs and budget in ONE simple payment.


Choose any cover on its own or a combination:

  • Money to cover your bills if you cannot work due to illness or injury
  • Lump sum if you were to suffer from one of the specified illnesses covered under the plan
  • Replacement income for your family if you die before your cover ends

ONE plan fee no matter how many types of cover you choose

ONE tailored plan to protect what is important


OnePlan Protection provides for your different life insurance needs in one single plan, based on the type of cover you require most.

With OnePlan Protection, the beauty is in the simplicity. You will only ever pay for one plan fee, regardless of how many types of cover you choose. This means more options without the extra hassle; one direct debit payment, from one company, in one plan.

A range of cover options are available for you and your family. They include:






  • Decreasing Life Cover - a lump sum if you or anyone covered under the plan dies. Your chosen amount of life cover will decrease each year because the amount of replacement income your family needs reduces over time.
  • 2
  • Bill cover - pays your essential monthly bills (mortgage, rent, utility bills) if you cannot work because of an illness or injury while you are employed. You will not be able to claim for bill cover if you are unemployed for more than one month and your claim may be limited if living abroad at the time of your claim.
  • 3
  • Specified illness cover – a lump sum to help you recover without financial burden if you are diagnosed with one of the conditions covered under the plan.
  • There are also extra OnePlan Protection benefits you can choose to protect you family. Your financial advisor can discuss this with you.

Before taking out insurance cover you’ll need to meet with a financial advisor. They will help you find the right mix of cover to suit you, meaning you only ever pay for what you might require. You must keep up your payments to stay covered and you cannot cash in your plan, it is not a savings plan.

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

What's next?

Talk with an adviser

042 939 6037

  • Our lines are open:
  • Mon - Thu (8am to 8pm)
  • Fri (10am to 6pm)

Or an Irish Life Financial Service Adviser
can call you back


Irish Life Financial Services ltd. is regulated by the Central Bank of Ireland

Get a OnePlan Protection

Alan's Story

See how having financial protection helped this father pay the mortgage and household bills during his recovery from injury

Other services - LifeCare

Lifecare is a group of three support services designed to provide emotional and practical support to you and your family. The Lifecare range of services is available to you, at no extra cost, when you take out a protection plan with Irish Life.


Med Care

A medical second opinion
service provided by


Nurse Care

Two confidential medical
helpline services provided
by Intana Assist


Claims Care

A dedicated claims assesor
and access to post claim
counselling services.

LifeCare gives you access to services provided by other companies which are independent from Irish Life. These services are not designed to replace the advice provided by your doctor or your own health professional, but togive you information to help direct you toward the appropriate course of action. Your access to these third party services is subject to their terms and conditions. Irish Life accepts no responsibility for these services. Irish Life may change the service providers or withdraw access to these services in the future.


MyLife is an innovative app for your mind, body and lifestyle. It provides a platform for you to track your exercise, set goals and get helpful tips on how to improve your overall health and wellbeing. Irish Life customers can earn points and get rewarded for engaging with the app and embracing healthy behaviour. Download the MyLife app to find out more.

MyLife is provided by Irish Life Financial Services and is not a regulated financial service.

Why Choose Irish Life?

Irish Life is Ireland's No.1 Life Insurer.1 We have been protecting families across Ireland for over 75 years. We have touched the lives of over 1 million people and have given families the freedom to focus on the important things, including those moments you don’t want to miss out on.

1. Irish Life is the No. 1 Life Insurer based on market share in 2017.