- eamonn@easylifecover.ie
Life is unpredictable but your family’s financial security doesn’t have to be. One tailored plan to protect your income, your health, and your family’s future.
Life is unpredictable, but your family’s financial security doesn’t have to be. Family protection plans are designed to support you and your loved ones if the unexpected happens giving you confidence and peace of mind no matter what the future holds.
We offer tailored protection plans that combine essential cover into one flexible solution, helping you protect your income, your health, and your family’s future — all in one place, at a price that works for you.
A complete family protection plan brings together the three most important types of cover in one tailored solution.
Provides a guaranteed lump sum payment to your family if you pass away ensuring they’re financially supported when they need it most, with debts covered and lifestyle maintained.
Replaces a portion of your income if you’re unable to work due to illness or injury so your mortgage, bills, and daily expenses continue to be paid throughout your recovery.
Pays a tax-free lump sum if you are diagnosed with one of 44 specified serious conditions giving your family vital financial breathing space during the most difficult of times.
Choose the exact level of cover that suits your family’s needs and your budget. Mix and match cover types, adjust amounts, and build a plan that genuinely works for your life not someone else’s.
Our family protection plans are designed to grow with you. Start with the essentials and add further layers of protection when the time is right.
Ideal for mortgage holders cover decreases in line with your outstanding mortgage balance, keeping premiums low.
Extend your specified illness cover to include more conditions or increase your payout amount as your needs grow.
Adjust your monthly premium to match changes in your income or family circumstances your cover adapts with you.
Every family is different. We build a plan around your specific needs, income, and dependants.
We work for you comparing Ireland’s leading insurers to find the most suitable cover at the best price.
Access to top providers means we can often find better value than going direct to an insurer.
We’re here when you need us most reviewing your plan as your family grows and circumstances change.
OnePlan Protection offers a number of benefits from which you can choose, depending on your needs and personal circumstances.
Remember you can choose any benefit on its own or a combination of the benefits, whichever best suits your needs.
The cost of each individual benefit – and the total cost of all of the benefits you have chosen – will be clearly shown on your plan schedule.
You will only ever pay one plan fee for each plan, it does not matter how many benefits you choose.
You must keep up your payments to stay covered. You cannot cash in your plan. It is not a savings plan.
You must be 18 years or older to buy OnePlan Protection. You can include cover for your partner under OnePlan Protection, if you want.
We will not pay claims in certain circumstances – for example if you have not given us full information about your health, occupation, country of residence, hobbies or pastimes. You will see a summary of these situations in the ‘Guide to making a claim’ section of this booklet on page 22.
With this benefit, we will pay a one-off lump sum to your dependants if you die before your cover ends. Your chosen life cover amount will reduce each year. This is because the length of time you need that level of replacement income for reduces as you get older.
For example, as shown in the graph below, at the start of your plan, €480,000 decreasing life cover provides a replacement income of €2,000 a month for 20 years.
At the start of year 10 of your plan, your decreasing life cover has reduced to €240,000, to provide you with a replacement income of €2,000 a month for 10 years.
Because the life cover amount reduces over time, the lump sum your dependants would receive if you die also reduces over time, so will be less towards the end of the term of your cover than when you first took out your plan.
The graph below shows how decreasing life cover works. Your financial adviser will explain how much cover you need based on your circumstances.
This graph assumes you have taken €480,000 worth of decreasing life cover for a 20-year term and shows how your level of cover reduces over the 20 years.
Please see your plan terms and conditions which have full details of this benefit, including any restrictions or exclusions which may apply.
Speak with an expert today free, no-obligation advice and a personalised quote.
Eamonn and Sarah are excellent to deal with. I have to say that they go above and beyond to help with any issues, no matter how small. I’d recommend them to anyone without hesitation.
Went through easylifecover for my mortgage and they were great! Best price and so easy to deal with. Highly recommend!!
Having being diagnosed with Invasive Breast Cancer in 2016 my greatest worry on top of making a recovery was how we would manage financially while I was in treatment.
Speak with our advisors and find the right cover for your needs simple, fast, and tailored to you.
