KBC Life Insurance

Mortgage Life Insurance, commonly known as mortgage protection is a common form of life insurance. It ensures that your mortgage will be paid off if you die during the term of your plan. Most banks will require that you have mortgage protection in place prior to granting you a mortgage. This product is provided by Irish Life Assurance plc.

1. This plan pays out a cash lump sum if you die during the term of your plan
2. 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*
3. The amount you pay is guaranteed to stay the same for the entire period that you are insured for

*You will pay extra for these benefits.

The Mortgage Protection Brochure (pdf, 436 KB) will give you details of the benefits available on this plan.

1. You must be aged between 18 and 74 and living in the Republic of Ireland
2. The maximum term is 40 years or up to age 85
3. Cover continues as long as you make your regular payments
4. You must keep up your payments to stay on cover
5. You cannot change the amount of cover you have though it will decrease as the amount that remains on your mortgage decreases

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Please call our team on 1800 51 52 53 and they’ll talk you through it.

• OnePlan Protection for your family, get peace of mind to enjoy the important things.

  You work hard to look after your family’s needs but it’s worth every minute. And you want to be able to continue looking after them even if something unexpected were to happen. That’s why it’s important to plan for the future and ensure you have the right cover in place for you and your family.

  An innovative new approach to family protection

  OnePlan Protection from Irish Life is one of the biggest innovations in life insurance in Ireland. It combines different types of cover in the one plan, including Life Insurance Cover, Bill Cover, and Specified Illness Cover.
   
  This is the very first plan of its kind in Ireland to include these types of cover in one. It means you can have the best cover, with one direct debit payment, from the one company, all under the one plan. The innovative approach to protection also means that cover is more financially affordable as combining 3 types of cover means you only pay one policy fee.

  What does OnePlan Protection offer your family?

• Decreasing Life Cover - Pays a lump sum to replace your income if anyone covered on the plan dies.
• Bill Cover - Pays your essential bills (including Rent or Mortgage) if you can’t work due to an injury or illness while you are employed. If you have bill cover and become unemployed, you will not be able to claim for bill cover if you are unemployed for more than one month.
• Specified Illness Cover -  Pays a lump sum if you are diagnosed with a specified illness.

• 
  These are just some of the benefits available and remember you can choose any benefit on its own or a combination of the benefits, whichever best suits your needs. Click here for OnePlan brochure (pdf, 660 KB). 

  Tailor your cover to suit your budget.

  You can also choose between 3 different levels of cover to suit your budget: standard, essential and comprehensive. This allows you to tailor your level of cover to your individual needs and choose a plan that’s right for you, your family and your budget.
  
  The amount you pay is guaranteed to stay the same for the entire period that you are insured for.

  LifeCare - Taking care of you and your Family

  Lifecare is a range of services and designed to support you and your family throughout the life of your plan which are brought to you by Irish Life. With OnePlan Protection you can access these services at no extra cost.

• 
  MedCare

  A second opinion for peace of mind.

  • MedCare can help give you peace of mind if you are diagnosed with one of the conditions covered by MediGuide. This means you can have an independent review of your diagnosis and treatment plan from one of a range of leading medical centres around the world.
  • This service is also available to your immediate family including your parents and your spouse/partners parents.
• 
  NurseCare

  Someone to help you when you're not able to do.

  • A service for those unsure moments like when your child has a temperature at 2am or you have a burn that’s worrying you.
  • There are nurses available to talk to you 24 hours a day all year round. They can help you decide the best thing to do, whether that’s advice on medication or if you should visit your doctor.
  • This service is provided by Intana Assist for Irish Life protection customers.
• 
  ClaimsCare

  Support if you need to claim.
  
  If you need to make a claim you will be provided with a dedicated claims team member to help you through the process. We also offer counselling services from the Clanwilliam Institute to help support you through bereavement or illness.

Important Information
OnePlan Protection is provided by Irish Life Assurance plc. Before taking out insurance cover you’ll need to meet with a Qualified Financial Adviser. KBC Bank Ireland is tied to Irish Life and can advise you on OnePlan Protection.

Your financial adviser can help you see what level of cover you might need. This can vary depending on your circumstances, for example what level of income you have. You can then choose which bundle of cover will best suit your budget. You can also tailor the benefits according to your needs. Your financial adviser can help you choose the best benefits for you.

To maintain cover on OnePlan, you must pay all premiums required. The One Plan is designed to provide you with protection benefits and is not a savings policy. One Plan will never have a cash in value.For full Information on the LifeCare range of services visit www.irishlife.ie/lifecare

LifeCare gives you access to services provided by other companies which are independent from Irish Life. These services are not designed to replace the advice provided by your doctor or your own healthcare professional, but to give you information to help direct you toward the appropriate course of action. Your access to these third party services is subject to their terms and conditions. Irish Life accepts no responsibility for these services. Irish Life may change the service providers or withdraw access to these services in the future.

Please call our team on 1800 51 52 53 and they’ll talk you through it.

Specified Illness cover provides a lump sum in the event that you are diagnosed with one of the illnesses covered under the plan. This product is provided by Irish Life Assurance plc.

We pay out the full lump sum for 45 illnesses

We offer a partial payment of €15,000 for 23 milder illnesses but still life altering illnesses.

Important Information

Click here for the Specified Illness booklet (pdf, 480 KB).  

Specified Illness cover can be taken out as a standalone plan, or as part of a Life and Specified Illness cover plan on Term Life Insurance, Life Long Insurance and Mortgage Life Insurance. Cost depends on your age, health, the term and amount of cover you choose.

Remember: if you already have a plan with us, please check your plan terms and conditions to determine what illnesses you are covered for under your own plan.

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Please call our team on 1800 51 52 53 and they’ll talk you through it.

• Life Long Insurance provides the level of life insurance you choose for the duration of your whole life, giving you peace of mind that your family may not struggle financially in the event of your death. This product is provided by Irish Life Assurance plc.

• It can provide tax efficient inheritance planning cover for your family so as not to impact their inheritance.
•  

• The Life Long Insurance Brochure (pdf, 463 KB) will give you details of the benefits available on this plan.
  
  Important Information

• Life Long Cover gives you guaranteed cover against death, terminal illness*, accidental death, children’s death*.

  *This is not available where Life Long Insurance is being used for inheritance planning as these benefits could impact the plan’s eligibility for inheritance tax relief (Section 72)

1. Cost depends on age, income, health, occupation and the benefits you choose
2. You must be aged between 18 and 74 and living in the Republic of Ireland
3. Cover continues as long as you make your regular payments

Find out more about other services that may be available to you on LifeCare.

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Please call our team on 1800 51 52 53 and they’ll talk you through it.

• 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. This product is provided by Irish Life Assurance plc.

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

The maximum benefit payable is now €250,000, previously this was €150,000. Benefits paid are less any State benefits or other income protection plans.

The maximum benefits payable is 75% of total yearly earnings, less any State benefits or other income protection plans.

Important Information

The Income Insurance Brochure (pdf, 365 KB) will give you details of the benefits available on this plan.

Find out more about other services that may be available to you on LifeCare.

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Please call our team on 1800 51 52 53 and they’ll talk you through it.

• LifeCare gives you and your family valuable access to MedCare, NurseCare and ClaimsCare - at no extra cost. These services provide expert assistance, many of which are available 24/7, 365 days a year.
  
  LifeCare services are only available when you start a new Protection plan with Irish Life from 3 February 2014. LifeCare services are only available when you start a Protection plan with Irish Life for the following products: Term Life Insurance; Mortgage Life Insurance; Life Long Insurance, and Income Insurance plans. You must be on cover with Irish Life to access Lifecare services.

Important Information
ClaimsCare
Find out more about ClaimsCare
A post-claims counselling service with the Clanwilliam Institute.

NurseCare
Find out more about NurseCare
Gives you access to two confidential helpline services provided by Intana (formerly Aria Assistance)

MedCare
Find out more about MedCare
Access to the Medical Second Opinion service from MediGuide The Need-to-Knows
LifeCare guide (pdf, 488 KB)

General Terms
LifeCare gives you access to services provided by other companies which are independent from Irish Life. These services are not designed to replace the advice provided by your doctor or your own health professional, but to give you information to help direct you toward the appropriate course of action.

In the future, Irish Life may change the companies listed as service providers. We may also withdraw access to the services listed. MediGuide, Intana Assist and Clanwilliam Institute provide confidential services and are independent from Irish Life. Your access to these third party services is subject to their terms and conditions, Irish Life accepts no liability for these services.

• Term Life Insurance is life insurance that covers you for a specified and agreed length of time. In the event of death during this time, a cash lump sum will be paid out, meaning your family are protected. This product is provided by Irish Life Assurance plc.

• Provides a lump sum if you die (if you choose life cover) or if you are diagnosed with a specified illness during the term of your plan (if you choose specified illness cover)

• The amount you pay is guaranteed to stay the same for the entire period that you are insured for

• Option to add extra benefits to your plan: specified illness cover, hospital cash cover, accident cash cover, inflation protection and guaranteed cover*

*You will pay extra for these benefits. 

The Term Life Insurance Brochure (pdf, 480 KB) will give you details of the benefits available on the plan.

Important Information

You must be aged between 18 and 82.
The maximum term is 50 years or up to age 85.
You must keep up payments to stay on cover.

Find out more about other services that may be available to you on LifeCare.

KBC Bank Ireland plc is tied to Irish life Assurance plc (Irish Life) for Life Insurance. Life insurance products are underwritten, administered and provided by Irish Life. Irish Life Assurance plc is regulated by the Central Bank of Ireland. KBC Bank Ireland plc is regulated by the Central Bank of Ireland.

Please call our team on 1800 51 52 53 and they’ll talk you through it.