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Life Assurance is not a luxury – it’s a necessity

You want your loved ones to have the correct protection so they can have enough to meet their needs and sustain their standard of living in the event of your death.

As your broker, we have access to the most competitive, comprehensive life insurance products on the market.

This means we will find the right cover to protect you and your loved ones and you can get on with living your life.

We take the blended solution approach in advising our client’s on their short, medium and long term protection needs.

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What Are The Different Types Of Life Assurance

At Focus Life & Pensions we often get asked to explain the
different types of Life Assurance (Insurance) available on the Irish market.

Level Term

Term assurance, or term life insurance guarantees your family a payment if the person insured dies during the time period specified in the policy. This type of cover can also be called level-term…

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Critical Illness Cover

You are paid a lump sum if you are diagnosed with one of the specified illnesses outlined in your plan, including heart attack, stroke and cancer when you are protected by Critical Illness Cover.

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Convertible Term

This is a policy that will allow you to renew or extend your existing term policy for an additional term regardless of your current health.Based on your age, the premiums may increase at this point.

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An increasing term life policy takes changes in inflation into account meaning that your payout amount rises alongside the inflation rate.

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Whole-of-life cover

Whole-of-life Assurance is a type of life Assurance which ensures that when you die your loved ones will receive a lump sum payout from your insurer. It does not matter when or where the death occurs.

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Mortgage Protection

Your mortgage is likely to be one of your biggest financial outgoings, so it’s important to make sure you are protected. Mortgage protection is a type of life insurance that repays your…

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