Best life insurance companies operating in Ireland, the type of services they provide, the addresses of their official website, and reasons for having life insurance. It pays out lump sum
amount which means that your loved ones will able to meet some common expenses after your demise such as paying off the mortgage, paying education fees, and other expenses. There is the
ability to plan for the future besides the comfort in knowing that your family’s financial security is safe.
1. Irish Life
Website: irishlife.ie
Overview:
Irish Life Insurance Company is one of the biggest and long-standing life insurance companies in Ireland;
company was founded in the year 1939. They have various types of policies on the life insurance, which are term life insurance, whole life insurance, and income protection plans.
Insurance Details:
Term Life Insurance: Pays a certain amount of money for a specified period, entrusting a lump sum if the insured dies during such a period.
Whole Life Insurance: It is an endowment policy which promises to pay out on death and hence it can play the role of will where somebody can nominate recipients for their property.
Income Protection: Pays a fraction of lost wages in case you cannot work because of disease or injury, gives neoliberal reassurance in the midst of difficulty.
Health Insurance: In addition, it has health insurance products to guarantee optimum health care plans to its customers.
2. Aviva
Website: aviva.ie
Overview:
Aviva insurance is a global company which operates in Ireland. The life insurance solutions delivered by the company include individual and family life insurance options.
Insurance Details:
Life Insurance: Provides various types of coverage such as term, whole and offers various coverage amounts that can be selected.
Serious Illness Cover: This product offers a single claim to be made if the client is diagnosed of a specified serious illness to cater for his/her needs.
Income Protection: Like Irish Life, Aviva offer own occupation plans which pay out a proportion of your salary if you are unable to work due to sickness.
Pension Products: Aviva also presents pension products for helping people to save money for retirement with life cover included.
3. Zurich Life
Website: zurich.ie
Overview:
Zurich Life is fully owned subsidiary of the Zurich Insurance Group and has had its operations in Ireland for rather a long time. They pay much attention to their corporate life insurance products and services.
Insurance Details:
Life Insurance: Provides term and whole life insurance plans with several choices to meet the goals and prices of customers.
Serious Illness Insurance: Like Aviva, Zurich also covers critical illnesses and pays out when you need it most: during a critical illness.
Income Protection: This rate assists policyholders to be financially secure if they cannot work because of illness or an accident.
Investment Products: Zurich also offers ordinary life insurance products which are coupled with investment uplift plan.
4. New Ireland Assurance
Website: newireland.ie
Overview:
New Ireland Assurance is a reputable life insurance company in Ireland their products are meant to provide insurance for families and individuals.
Insurance Details:
Life Assurance: Flexible life coverage solutions which involve term plans, whole life plans depending on individual’s needs.
Income Protection: It offers cash benefits if you are unable to work because of health problems so that you won’t be left without the ability to fulfill your financial responsibilities.
Serious Illness Cover: This product offers cash withdraw as soon as the client is diagnosed with a critical serious illness; thus avoiding exploitation through extra expenses which are difficult for him/her.
Pension and Investment Solutions: New Ireland also provides different savings and investment solutions to assist customers to save for future retirement.
5. AIG Life
Website: aig.ie
Overview:
AIG Life Insurance Company is subsidiary of the AIG group which is one of the top international insurance companies. Currently, AIG offers different forms of life insurance to Irish people and chief among them is an insurance policy that gives the client assurance that they can meet with their expenses in case of any health issue or death.
Insurance Details:
Life Insurance: Currently, the company provides both term and whole life insurance policies for its customers since they have their differences.
Critical Illness Cover: This coverage pays out if a person is diagnosed with a terminal illness and it aids in catering for medical bills as well as lost wages.
Income Protection: Income protection plans offered by AIG provide you with certain percentage of your income if you are unable to work due to sickness or accident.
Flexible Premium Options: Here, we have some of the flexible approach of payment that AIG has adopted with a view to helping its customers in managing their premiums.
6. FBD Insurance
Website: fbd.ie
Overview:
Some of the services that FBD Insurance offers are in the general insurance domain while it has a line in insurance as well. The company has an emphasis placed on the need to offer superior customer satisfaction and better value.
Insurance Details:
Life Insurance: FBD sells term life assurance products which have clear plans of cover.
Serious Illness Cover: This policy pays out financial assistance in the time of a critical illness diagnosis.
Flexible Terms: FBD has good reputation of providing the coverage that is most suitable and affordable to most people with favorable terms and rates.
7. Hibernian Aviva
Website: aviva.ie
Overview:
At present, there is Hibernian under Aviva but Hibernian brand is retained for some products it offers. The business mainly deals in a wide range of life insurance products as well as investments.
Life Insurance Details:
Term Life Insurance: Offers monetary welfare for a given period only.
Whole Life Insurance: Provides lifetime benefits from which beneficiaries are paid on confirmation of the policyholder’s death.
Investment Products: Hibernian Aviva also has investment link insurance where there is mixture of insurance cover and investments.
Conclusion
Selecting the best Irish life insurance company depends on several factors such as your needs, their rates and the plans offered in the future. All of these companies provide their clients with numerous services and types of insurances so you can choose the options the situation in which you are really needed. Persons should seek the service of a financial planner or insurance agent to go through available choices and make the right decision.
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