Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children aged between 6 months and 18 years of age (or up to age 21 if they are in full time education) is diagnosed with a specified illness.

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.

Pays a lump sum amount on diagnosis of 1 of 47 illnesses and the lower of €15,000 or 50% of the specified illness benefit remaining on a diagnosis of 1 of 20 illnesses during the chosen term. Pays 50% of the Specified Illness lump sum to a maximum of €25,000 if one of the life insured’s children is diagnosed with a specified illness between 6 months and 18 years of age (or up to age 21 if they are in full-time education).

• Life Events - Increase the lump sum amount by the lower of 50% or €100,000, without having to provide evidence of health, within 3 months of: a mortgage increase due to moving house; getting married; having or adopting a child. The max increase over the term of the policy is the lower of 100% of the lump sum amount or €200,000 (expires age 55).

• Monthly Income on Death - Pays a monthly income on death for the remainder of the chosen term. The monthly amount will be paid out for a minimum term of 3 years should death occur within the last 3 years of the benefit term. Income on Death benefit must be selected for a minimum term of 10 years for this to apply.

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.