Life Insurance & Protection


What is Life Insurance & Protection?

Clients of HC can always rest assured that their Life Insurance & Protection needs are catered for. We deliver the best value available in the market and work with our clients to ensure that they access the appropriate level of cover at a price that they can afford

Life Insurance & Protection is a form of insurance that can pay a lump sum to your family if you die, provided of course that you have taken out a life policy. They can use this lump sum to pay off bills or the mortgage. It is important to keep up your payments to maintain your level of cover.

Have you thought about how you would get by financially if you got sick? Lost your job? Or just couldn’t work for a while because of an injury?

Income protection pays out an income if you cannot work due to an illness or injury but not if you become unemployed. For all protection policies you must keep up your payments to stay on cover.

Some of the Types of cover available are as follows:

Term Life Assurance

Term Life Insurance is life insurance over an agreed term (length of time you choose to be covered for) which pays a cash lump sum if you die during the term of your plan.

Specified Illness Cover
Specified Illness cover provides a lump sum in the event that you are diagnosed with one of the 44 illnesses covered under the plan. It also offers a partial payment of €15,000 for 21 milder but still life altering illnesses.

Life Long Insurance
Life Long Insurance provides the level of life insurance you choose for the duration of your whole life. You are covered as long as you are accepted and continue making your regular payments throughout this time.



What is a mortgage protection plan?
This plan pays out a cash lump sum if you die during the term of your plan. When taking out Mortgage Protection you can often add on a Specified Illness plan which will provide a cash lump sum to help you continue to pay off your mortgage and other bills should you be diagnosed with one of the specified Illness covered by the plan.


Income Insurance, also known as income protection provides you with a replacement income if you cannot work as a result of an illness or injury after a certain period of time. You can take out income insurance if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed. You must keep up your payments to stay on cover.

It pays you a regular monthly income, replacing some of your earned income. Cover continues until age 65 or you return to work. Payments on your plan are eligible for income tax relief at your marginal rate of tax. However, if you do claim on this plan, your incapacity benefit will be treated as normal income and so is assessed for income tax, PRSI and the Universal Social Charge.

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Linkt to Irish Life Protection Planner