At Irish Pensions and Finance, we understand the importance of securing your family’s financial future. Life Cover provides peace of mind, ensuring your loved ones are financially protected should the unexpected happen. Whether you’re looking to safeguard your mortgage, replace lost income, or leave a financial legacy, we offer tailored life insurance solutions to meet your needs.
With expert advice from our dedicated team, we help you choose the right cover so you can focus on what truly matters—living life with confidence.
Ensuring your loved ones are financially protected should the unexpected happen.
Leave a financial legacy for your family or help offset potential inheritance tax liabilities
Provide a replacement income for your family to cover day-to-day living expenses.
Can be used to clear outstanding mortgage debt, ensuring your family keeps their home.
We work with multiple insurers, meaning our advisors can compare policies from different providers to find the best cover and price for you.
As experts in public sector benefits, we can assess your circumstances and recommend the most suitable policy to meet your needs and budget.
Your IPF advisor can guide you through your application and help navigate medical underwriting, increasing the chances of getting approved.
As an IPF client, you can avail of annual consultations to ensure your policy remains suitable as your circumstances change.
“IPF have been extremely professional with me throughout the process of setting up a pension, life cover and income continuance. My broker, Jack Stevens was on hand throughout and gave great guidance on what cover best suited my needs. His professionalism and timely approach were exceptional.”
Jordan
30+Years working with Public Sector staff
28kCurrent policyholders
90+Staff members
€1bOne billion euro in funds under management
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Life cover, also known as life insurance, provides a lump sum payment to your family or beneficiaries if you pass away during the policy term. This can help cover outstanding debts, living expenses, or help provide financial security for your loved ones.
Life cover ensures that your family is financially protected in the event of your death. It can help pay off a mortgage, cover daily expenses, fund children’s education, or provide general financial support.
The amount of cover you need depends on factors such as your income, outstanding debts (like a mortgage), dependents, and future financial needs. Our advisors can help you assess the right amount of cover.
We offer several types of life insurance, including:
Mortgage Protection is a type of life cover that decreases over time as your mortgage balance reduces. Life insurance, on the other hand, provides a fixed lump sum to your beneficiaries, regardless of the mortgage balance.
The cost depends on several factors, including age, health, lifestyle, the level of cover, and the policy type. Our advisors can provide a tailored quote based on your needs.
Yes, you can add Serious Illness Cover to your life insurance policy. This provides a lump sum payment if you are diagnosed with a serious illness covered by your policy, helping with medical costs or loss of income.
If you stop paying your premiums, your life cover will typically lapse, and you will no longer be insured. It’s important to maintain payments to ensure continuous cover.
In Ireland, life insurance benefits are generally paid tax-free. However, inheritance tax may apply if the payout is part of an estate. Speak with a financial advisor for specific tax implications.
You can apply by speaking with one of our financial advisors. The process includes filling out an application form and answering health and lifestyle questions. This can all be done over Zoom or phone call. In some cases, a medical assessment may be required.
