If you are diagnosed with an advanced or rapidly-progressing incurable illness where, in the opinions of an attending Consultant and our Chief Medical Officer, your life expectancy is less than 12 months, your full life cover will be paid out.

An amount of €4,000 is payable on the death of a child during the term of your policy. This applies to all the natural and/or legally adopted children of a Life Insured who are aged between 6 months and 18 years at the date the benefit is payable and also to those who are aged between 18 and 21 years who are in full time education.

The cover amount and premium increases by 3% each year. If chosen the Whole of Life lump sum amount will continue to increase, even after the policy term ends, up until death.

You have availed of Dual Life cover policy. With Dual Life cover, an independent payout is possible on both persons insured. For example, if one person makes a valid claim within the term of the policy, a payout will be made and the policy will continue for the second person. If the second person subsequently makes a valid claim during the term of the policy, a second payout will be made and the policy will cease. Under a dual life policy, each person can have a different level of cover.