If a child of the lives assured dies during the term of your policy, a sum of €4,000 life cover will be paid out. All of your children between birth to 18 (or 21 if he/she is in full-time education) are covered.

• If under 55, we will pay an amount if you die in an accident while waiting for your application to be assessed and accepted up to a 30 day period.

Increase your cover amount within 3 months of moving house, getting married or having or adopting a child without having to provide evidence.

If you are diagnosed with a terminal illness and have less than 12 months to live, New Ireland will pay the full amount of Life Cover as of the date of diagnosis. A terminal illness is an illness where, in the opinion of the attending Consultant and New Ireland’s Chief Medical Officer, you will not survive the next 12 months.

For mortgage protection policies where 2 people are involved and where serious illness has not been chosen in addition to the life cover, New Ireland allows dual life cover benefits for the same price as their joint life cover benefits.

This is an automatic additional benefit. You have 30 days to reinstate your policy after your first missed premium payment.

Furthermore, it can be reinstated even if a claim has arisen. However, it cannot be reinstated if New Ireland has received a written request from you to cancel the policy.