This may change in the future, but in 2023, if you’re seeking a combination of the best policy and price, then its undoubtably Royal London Ireland.
Included as standard for are: Guaranteed Insurability, Advance Life Cover, Children’s Cover and Terminal Illness, but also:
- The first month free;
- Express funeral payout;
- The longest allowable policy term;
- Up to 100-day miss payment reinstatement.
Their health and counselling service is called “Helping Hand”. It’s available to use from the day your policy starts – not just when making a claim. It doesn’t cost anything extra to use and your partner and children can use it too.
Some of the ways in which Helping Hand could benefit you:
- the provision of bereavement counsellors
- speech and language therapists
- oncology nurses
- face-to-face second medical opinion
- cardiac rehabilitation support
- complementary therapies
- massage and reflexology
Royal London Ireland is owned by The Royal London Mutual Insurance Society Limited – the largest mutual life insurer in the UK and in Ireland in 2021 they paid put over 43 million in Claims.
However, if you’re prepared to pay 20% more, especially for a free digital GP service for you and your family, then Aviva is the choice. Their health and counselling services include:
Digital GP Visits, Mental Health Support, Best Doctors – Second Medical Opinion and Bereavement counselling as standard.