Lump sum on Death
Lump sum on death is paid as a lump sum to your family if you die.
Cover decreases over time.
You may have a need for an initial lump sum of for a term of .
You don\'t need Lump sum on Death
Your partner may have a need for an initial lump sum of for a term of .
Your partner doesn\'t need Lump sum on Death
How do we calculate your needs?
How do we calculate your needs on Lump sum on death
Lump sum on death is paid as a lump sum to your family if you die. The level of cover decreases over time in line with the income you need.
The amount is calculated by taking your net income, minus state benefits and any mortgage payments covered by mortgage protection multiplied by the term. State widows benefit of €0 plus an additional €0 for each child per month is assumed.
The level of state benefit is dependent on the number of PRSI contributions - we assume 48 or more in this instance.
If you have a mortgage, we assume that you have mortgage protection in place.
Term is calculated on your youngest child reaching age 25 or the remaining term of your mortgage.
Your Needs
Your Income Gap =
Monthly =
Paid off on death
State Benefit =
Partner Needs
Your Income Gap =
Monthly =
Paid off on death
State Benefit =
Protect Your Income on Illness
Protect your income on illness will cover your essential bills if you\'re unable to work because of illness or injury.
After 8 weeks26 weeks off work, you may require per month, lasting for 5 years until you return to workuntil you retire at 65 years of age. Your benefit is available for , unless you become unemployed.
You are not eligible or you might not have a need for Income on Illness
After 8 weeks26 weeks off work, your partner may require per month, lasting for 5 years until you return to workuntil you retire at 65 years of age. Your benefit is available for , unless you become unemployed.
Your partner is not eligible or may not have a need for Income on Illness
How do we calculate your needs?
Lump sum on Specified Illness
Lump sum on specified illness is paid to help you recover without additional financial worries. The amount is calculated as one year\'s net salary.
You may require a single lump sum of for a term of
You are not eligible or may not have a need for Specified Illness
Your partner may require a single lump sum of for a term of
Your partner is not eligible or may not have a need for Specified Illness
How do we calculate your needs?
Protect Your Income on Death
You may have a need for an initial lump sum of for a term of .
You don\'t need Lump sum on Death
Your partner may have a need for an initial lump sum of for a term of .
Your partner doesn\'t need Lump sum on Death
Cover decreases over time.Protect Your Income on Illness
After 8 weeks26 weeks off work, you may require per month, lasting for 5 years until you return to workuntil you retire at 65 years of age. Your benefit is available for , unless you become unemployed.
You are not eligible or may not have a need for Income on Illness
After 8 weeks26 weeks off work, your partner may require per month, lasting for 5 years until you return to workuntil you retire at 65 years of age. Your benefit is available for , unless you become unemployed.
Your partner is not eligible or may not have a need for Income on Illness
Cost per month
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See how we calculate this
How do we calculate your needs on Income on Illness
Protect your income on illness will cover your essential bills (eg. mortgage or rent) if you\'re unable to work because of illness or injury.
The amount is calculated using your monthly mortgage or rent amount, plus €300 for essential bills. A deferral period option of 826 weeks is assumed; however other deferral period options are available. The amount is capped at €2,000 per person or 40% of monthly net income, whichever is lower.
Term is based on your youngest child reaching age 25 or the remaining term of your mortgage. The amount of cover is split between you and your partner based on net monthly salary.
Your Needs
to pay for your essentials.
Bills €300
Partner\'s Needs
to pay for your essentials.
Bills €300
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0
0
0
0
0
0
0
Lump sum on Specified Illness
You may require a single lump sum of for a term of
You are not eligible or may not have a need for Specified Illness
Your partner may require a single lump sum of for a term of
Your partner is not eligible or may not have a need for Specified Illness
Cost per month
Calculating, Please wait...
See how we calculate this
How do we calculate your needs on Specified Illness
Lump sum on specified illness is paid to help you recover without additional financial worries. The amount is calculated as one year\'s net salary.
Term is based on your youngest child reaching age 25 or the remaining term of your mortgage.
If you are over 65 years of age, you are not eligible for this benefit.
Your Needs
We will provide you with one year\'s net salary
Partners Needs
We will provide you with
one year\'s net salary
0
0
0
0
