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Mortgage Protection makes sure your mortgage is paid off if you pass away. Here’s what you need to know:

The plan pays out a lump sum if you pass away during the term of the plan (as long as your mortgage repayments are up to date and your mortgage interest rate has not, on average, risen above the interest rate
Irish Life have assumed).

Mortgage Protection gives you the option to add Specified Illness Cover to your plan, for extra security.*

Your payment stays the same throughout, you must keep paying to stay covered.

You may get LifeCare at no extra cost

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The Need-to-Knows

*When taking out Mortgage Life Insurance, you have the option of adding a specified illness cover benefit to your plan. You will pay extra if you choose this benefit. Specified illness cover provides 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.

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

    • You must be aged between 18 and 74 and living in the Republic of Ireland.
    • The maximum term is 40 years or up to age 85.
    • Cover continues as long as you make your regular payments.
    • You must keep up your payments to stay on cover.
    • 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.