Life Insurance Ireland | Quotes from €10 a month - Aviva Ireland

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What is life insurance?

If your family relies on your income or your role as a stay-at-home parent, how can you make sure they can cope financially without you?

At Aviva, we strive to provide the best life insurance in Ireland to ensure your family can financially maintain their lifestyle, pay off debt, invest for the future or to generate income, pay for education or childcare, or manage living expenses.

Easy paperwork

We complete all the paperwork with a signature free process.^{Footnote [3]}
Free accidental death cover

Aviva Life & Pensions Ireland provide free accidental death cover while your application is considered, at no extra cost. ^{Footnote [4]}
Aviva Care

You get access to services like, Digital GP, Best Doctors, Family Care Mental Health support and Bereavement Support.

How does life insurance work?

Flexible protection cover lets you choose your own combination of life insurance and/or specified illness cover. With this plan, you can get just the right combination of protection for the amount and length of time you need it.

How much life insurance do you need?

The level of coverage you choose will depend on your own family circumstances. At the very least, you need to think about the amount your family will need to cover basic expenses if they lose your income.

Take a few minutes to answer these five simple questions to help you choose the type of life insurance and level of cover you may need :

How much cash might your family need to replace the lost income?
How long do you want the cover to last?
Do you want to cover just yourself or do you want to cover you and your spouse or partner?
Do you want to make sure your cover keeps in line with inflation?
Do you want to add a conversion option to extend your cover at the end of the initial contract without the need for a medical assessment?The difference between Life Insurance and Mortgage Protection

The difference between Life Insurance and Mortgage Protection

Siocha Costello, Protection Marketing Manager, Aviva Life & Pensions Ireland DAC explains the difference between Life Insurance and Mortgage Protection.

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Transcript

00:00:00 Video starts

00:00:05 Siocha Costello, one minute pitch. The difference between Life Insurance and Mortgage Protection, your time starts now.

What is Life Insurance?

00:00:14 Siocha Costello, Protection Marketing Manager, Aviva Life & Pensions Limited

In a nutshell life insurance will pay your dependents a lump sum if you die.

00:00:20

What is Mortgage Protection?

00:00:22 Siocha Costello

Mortgage protection pays out the outstanding balance of your mortgage if you die.

00:00:25

So, what is the main difference between the two?

00:00:27 Siocha Costello

The money from you mortgage protection goes to your lender to pay off your mortgage so your family home is secure. Life insurance gives your family money for all their other expenses, childcare costs, electricity costs and loans.

00:00:41

Why would you need both?

00:00:42 Siocha Costello

If you are taking out a mortgage you are required to have mortgage protection in place, having both means having all your family financial outgoings are taking care off.

00:00:52

When is a good time to get cover?

00:00:54 Siocha Costello

Insurance costs are generally based on several factors. One of those is age so the younger you are generally the cheaper it is.

00:01:03

What do you think is the best thing about these products?

00:01:06 Siocha Costello

I think the peace of mind that comes will knowing that your family is financially secure if anything happened to you.

00:01:12

Siocha your time is up.

To find out more about Life Insurance and Mortgage Protection talk to your Financial Broker.

00:01:23 Video ends

Additional cover

You can get even more peace of mind by adding specified illness cover to your life insurance policy. This means that if you are diagnosed and proven to have a specified illness or if you die, the level of cover under your policy will be payable. About specified illness cover.

Do you already have life insurance with us?

Contact Aviva Life & Pensions Ireland customer service team

1800 159 159

Monday, Tuesday, Thursday and Friday: 9:00a.m. - 4:00p.m.

Wednesday 10:00a.m. - 4:00p.m.

Email: csc@aviva.com

Flexible life insurance tailored for you

It’s not an easy thing to think about. That’s why we make our life insurance straightforward to manage. So, once it’s in place, you can get back to living your life.

Choose an amount that your family might need to replace your income if you die.
Select the length of your policy – from two to 50 years.
Decide if the money paid out should keep up with inflation.
Include a ‘conversion option’ to let you extend your cover for a further period at any time before the expiry date of your policy.
You can issue your policy 'under trust' so you can specify who will receive the life cover amount on your death.
You can assign your policy to a third party - useful if you borrow money.

At Aviva, we believe that life insurance goes beyond helping you with financial protection, that’s why we add a number of benefits to your plan at no extra cost. These benefits include:

Exclusive access to Aviva Care, for the healthcare support you need is just a click away.
Excellent claims team to help you with any claims you may have.
Free accidental death cover while your application is considered, at no extra cost.⁴
Terminal illness benefit: Aviva Life & Pensions Ireland will pay out the life cover amount if you’re diagnosed with an advanced or rapidly progressing incurable illness. Your life expectancy must be less than 12 months in the opinions of both an attending consultant and Aviva Life & Pensions Ireland Chief Medical Officer.
Children’s life cover: Aviva Life & Pensions Ireland cover each of your children for €5,000 life cover for as long as you are covered. Aviva Life & Pensions Ireland will only pay one claim for each child, no matter how many plans you have with them.

Speak to our life insurance team today!

Get guidance from Aviva Directs professional financial advisers to help you get cover suited to your needs.

Monday to Friday: 9:00am – 5:00pm

Weekends and Bank Holidays: Closed

Aviva Care*

With your protection policy you have access to the following services through our Aviva Care benefit:

Digital GP
Best Doctors Second Medical Opinion
Family Care Mental Health Support
Bereavement Support

Learn more about Aviva Care

Looking for a life insurance quote?

Aviva Life & Pensions Ireland offer life cover from as little as €10 per month¹. Talk to Aviva Directs financial advisers about life insurance.

Call Aviva Direct today for a new quote

091 784440

Monday to Friday: 9:00a.m. - 5:00p.m.

Saturday - Sunday: Closed

Bank Holidays: Closed

Why choose Aviva for life insurance?

Aviva has been providing trusted protection in Ireland for over 240 years. We’re part of the Aviva Group, providing 19.2 million customers* in the UK, Ireland and Canada with a range of solutions to meet their insurance, wealth and retirement needs. We’re there to protect the things that matter most to our customers: their homes and belongings, their health and wealth, their future and their families.

^{*Source: Aviva plc Annual Report & Accounts 2023.}

Policy details

The documents below contain everything else you might need to know about Aviva’s life insurance cover:

Flexible Protection Brochure

Specified Illness Definitions Guide

Terms of Business

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Life insurance articles

Take a look at our library of helpful articles on life insurance and industry news.

Reasons to buy life insurance in your 20s and 30s

Getting financially stable as a young adult may be the last thing on your mind. Did you know life insurance could be less expensive in your 20s / 30s?

What to do after a death checklist

The loss of a loved one can be a very difficult time. With this handy checklist find out the steps to take immediately following a death and the weeks subsequent.

Do I need life insurance if I’m retired or an empty nester?

Even after you retire or your children are now financially independent, keeping your life insurance is still a good idea and here are the reasons why.

How much life insurance do you need?

The amount of life insurance you need depends on your personal circumstances. Here are some things to consider before talking to a financial adviser.

Financial scam phone calls and emails

COVID-19 and Aviva Life & Pension Ireland

To reassure you, no new COVID-19 restrictions have been applied to our protection policies and currently there are no plans to amend our acceptance criteria.

What is a Life Insurance Lump sum?

There is great peace of mind in knowing whatever may happen to you, your children will be taken care of. Life Insurance pays out a lump sum.

What is Best Doctors® Second Medical Opinion service?

With Best Doctors® you receive a second medical opinion, so you can feel assured and fully informed about your condition and what it means for you and your family.

What is life insurance?

What is the difference between Life Insurance and Life Assurance? What Life Insurance Products are on offer from Mortgage Protection to Specified Illness cover.

Nonsense Facts About Life Insurance

You can’t know for sure what the future will bring. That’s why life cover is such a good idea.

Dummies Guide To Life Insurance

There are many things in life that we hold dear, and we try our best to protect them. With so many available options to protect ourselves and our families from an unexpected rainy day.

The affordability of Life Insurance

For peace of mind for you and your family, we believe that it is well worth it –you don’t need to cut out any of the finer things in life.

Why Do We Need Life Insurance?

We can’t know what the future holds for us, or our families, and nobody likes to imagine any frightening possibilities.

Why stay at home parents need Life Insurance too

We all put our families first, and here at Aviva we want to help you protect everything you hold dear in life. Life Insurance is a means of protecting your family should the worst happen.

Visit our Aviva Blog

Acceptance criteria, terms and conditions apply. These monthly premiums are based on single life cover of €165,000 for a person aged 31 next birthday and a non-smoker, over a 10 year term, total amount €10.06. Source: Aviva Life & Pensions Ireland DAC as at February 2023.
Source: Aviva & Pensions Ireland DAC. Claims information is based on the period 1st January to 31st December 2023.
This is available for policies up to a maximum sum assured of €1,000,000. Where applicable, any additional forms required for medical evidence will require a signature. Aviva reserve the right to request a signed application at any stage prior to policy issue.
This cover kicks in from the moment your fully completed and signed application form and direct debit mandate is received by Aviva Life & Pensions Ireland DAC. You get cover for accidental death up until Aviva Life & Pensions Ireland DAC accept or decline your application. Aviva Life & Pensions Ireland DAC will pay out the lower of the life cover amount being applied for and €150,000. Aviva Life & Pensions Ireland DAC will only pay once under this benefit in respect of any life insured regardless of the number of life cover policies or applications for life cover a person has with Aviva Life & Pensions Ireland DAC

*Aviva Life & Pensions Ireland does not guarantee the on-going availability of any or all of the Aviva Care Ireland services to its policyholders and may, at its sole discretion, withdraw access to the service at a month’s notice. If we withdraw it, we’ll write to notify policyholders at least 30 days in advance of its removal.

Teladoc Health (who provide the Aviva Care services) is not a regulated financial service.

Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. A private company limited by shares. Registered in Ireland No 374895. Registered Office: Cherrywood Business Park, Dublin, Ireland, D18 W2P5.

Life and Protection Cover is underwritten by Aviva Life & Pensions Ireland DAC.

Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. Registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Tel (01) 898 7950.