Find out more about Death Benefit Plus

The death of a loved one would cause a huge upheaval in your life. As well as the loss and the grief, there are the financial implications. To help, credit unions are introducing a new whole of life protection product called Death Benefit Plus, which for a small monthly premium will allow you to provide a lump sum on your death, to help pay bills and expenses.

Features of Death Benefit Plus

✔ Provides a Lump Sum on Your Death: You choose the cover amount to suit your needs, ranging from €3,000 up to €15,000.

✔ Guaranteed Cover: You’re guaranteed to be accepted for cover if you’re resident and living in the Republic of Ireland and aged at least 18 and under 80.

✔ No Medicals: There is no need to complete a lengthy medical questionnaire or attend for a medical examination.

✔ Affordable, Fixed Premiums: Premiums start as low as €10* a month and remain fixed for the duration of the policy.

✔ Policy Duration: This policy is intended to protect you for the rest of your life, and you will need to pay premiums until your 85th birthday or for a maximum of 30 years, whichever comes first. Following this, you remain covered for the rest of your life.

✔ Double Benefit on Accidental Death: The benefit payable will be doubled if you die as a result of a travel accident**

✔ Excellent Protected Benefit Feature: Normally, if you stop paying an insurance policy early you lose all cover. With a Death Benefit Plus policy, once you have paid at least 5 years premiums, we will keep a proportional benefit for you that can be claimed on your death.

✔ Full Cover after 2 years: For the first 2 years of your policy you are only covered if you die as a result of a travel accident**. After 2 years, assuming premiums continue to be paid, the full cover benefits under the policy apply.

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*Based on a 46 year old with €3,000 cover paying a monthly premium of €10 (including 1% Government levy). Total premiums paid over the premium payment term may exceed the death benefit.
**Accidental death is defined in the policy conditions booklet available at

Acceptance criteria, terms and conditions apply. Your Credit Union is regulated by the Central Bank of Ireland and is acting solely as an introducer to ECCU Assurance DAC, the underwriter. ECCU Assurance DAC is regulated by the Central Bank of Ireland.

If you would like more information please contact Ardee Credit Union today.

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