Mortgage Protection Aviva
Aviva Mortgage Protection represents one of the most flexible, and comprehensive policies on the Irish market. Their “dual cover” offering means that your policy can continue even after an initial death claim and can then payout a second time! Your premium is fixed throughout your entire policy term and complimentary additional benefits include; Best Doctors second medical opinion, a Free Counselling Service, as welll as immediate Free Accidental Death Benefit on application plus Guaranteed Insurability to allow future policy alterations, if your needs change down the road!
Automatic Featues & Benefits
Free Counseling Service
Extended to your whole family including your parents, this policy includes a free 24/7 counseling helpline with referral to a local counselor for up to six free sessions were needed.
Accidental Death Benefit
Your insured life cover amount, up to a maximum of €150,000 is payable if a life proposed dies from bodily injury as a result of an accident while Aviva is processing your fully completed application form, and within the first 3 months from application receipt.
Terminal illness benefit
Aviva will pay out the life cover amount if you’re diagnosed with an advanced or rapidly progressing incurable illness. Your life expectancy must be less than 12 months in the opinions of both an attending consultant and their Chief Medical Officer.
Guaranteed Insurability - Unique Ongoing Flexibility
This option allows you to increase the level of your cover by up to €40,000, and/or to increase your policy’s term without providing medical evidence, up until you turn 70. This means there is no new application to complete, just written confirmation that you are borrowing the extra money. Aviva is the only provider on the Irish market that allows you to extend your policy term in this way!
Children’s Life Cover
Aviva covers each of your children for €5,000 life cover for as long as you are covered. All children between the ages of 30 days and 21 are covered or up to age 25 if in full-time education.
6 Month Reinstatement Clause
If your Mortgage Protection Cover lapses, you may reinstate it at any time within the following 6 months. This reinstatement will be subject to you providing us with satisfactory evidence of your ongoing good health – and paying all the outstanding premiums, plus any late payment charge that may apply at that time. This is unique to Aviva.
First Month Free
No matter your chosen policy start date, which can be any date between the 1st and 28th of any month, no direct debit will be taken in the first month of coverage.