Mortgage Protection
Mortgage Protection
Should a death claim occur during the cover term a tax-free payment will be made payable to your mortgage lender as long as the policy remains assigned.
If you are diagnosed with one of 89 specified serious illnesses during the term of your policy, a tax-free lump sum will be paid out. 48 full payment illnesses and 41 partial payment illnesses are covered. The survival period prior to a claim pay-out is 14 days.
Medical Information
> Nurse on Call is a helpline service that gives you access to qualified nurses for non emergency medical advice 24 hours a day.
What can I call Nurse on Call about
> General medical advice.
> Advice and information on a range of lifestyle issues such as dietary information, female health, sports injuries and sexual health.
Women’s Health Advice – Specialist advice on women’s health issues including:
> Menstruation and Fertility: for example, queries around your menstrual cycle and infertility.
> Pregnancy: for example, what to expect from your hospital visits and preparing for a baby.
> Cancer Prevention: for example, queries relating to cancer screening and breast checks.
> Osteoporosis, Menopause and Peri-menopause: for example, how to support your health as you get older.
Life cover
If you take out life cover, we also automatically cover each of your children up to age 25 for €7,000 life cover for as long as you are
covered.
Specified illness cover
If you take out specified illness cover, your children up to age 25 are covered for up to €25,000 or half of your specified illness benefit amount, whichever is lower, for as long as you are covered. We will cover them for the same illnesses you are covered for.
Life cover
If you have life cover and are diagnosed as having a terminal illness, they will pay the level of life cover benefit you have at that time, straight away.
Specified illness cover
This is an accelerated benefit. If you claim for the terminal illness benefit all the claiming life assured’s cover will end.
This benefit is available on both life and specified illness cover benefits.
If you start life cover and before the age of 55 you then get married, have a child, take out a new or extra mortgage or get an increase in salary, you can ask us to set up a new life cover plan.
You won’t have to provide any information about your health. This option is only available twice.
Up to the fifth plan anniversary, we have a flexibility option on this plan.
This allows you to increase or decrease the level of benefits or the term of your benefits without cancelling your existing plan and taking out a new one. When you change the benefits or term of your plan, we will work out a new payment at that time. This
means the cost of your plan could go up or down.
This is a temporary automatic benefit available while you are in the process of taking out life cover. We will pay up to €150,000 of the
death benefit if you die as a result of an accident.
Get in touch
Schedule your free consultation right now.
OneQuote Financial Brokers,
11 James’s Terrace, Malahide,
Co. Dublin, K36 CV08
One Quote Financial Brokers is regulated by the Central Bank of Ireland no: 459006.
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