Protection Brochure - New Ireland Assurance

Life Choice Income is a highly flexible protection plan which
allows you to
• Increase the cover amount as your career progresses with our
Guaranteed Insurability Option. You can also increase your premium
and benefits in line with inflation (up to a maximum of 3%) to help you
maintain your purchasing power in the future.
• Avail of the Back to Work Benefit. If you return to work after claiming for
one year or more, we will pay you 50% of your replacement income in
month 1 and 25% in month 2.
• Avail of the Hospital Cash Benefit. If you have to stay in hospital more
than 7 days you will be paid the equivalent of a day’s replacement
income for every day spent, for a maximum of 365 days in total.
• Select the Confirmed Income Option and if your income falls during the
term of your policy, we will still pay you based on the income confirmed
at the outset.
• Continue your cover if you change job, regardless of your new
occupation. You can also have cover in place if you become unemployed,
take a career break or parental leave under our Essential Activities
Benefit. If you become unemployed and suffer extreme disability, we
will pay you up to €15,000 per year if you meet certain criteria. If you
return to work within 12 months, you can reinstate your full cover
without the need to provide new evidence of health.
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