Mortgage protection promotion terms and conditions

Terms and conditions

1. The €100 SuperValu, Arnotts or IKEA voucher (named as voucher hereafter) offer applies to customers who apply for a new Mortgage Protection or Term Life (Mortgage related) plan between 6 July 2026 and 27 September 2026 and whose plan starts on or before 27 September 2026.
2. To qualify for the offer, the customer must pay the first 3 monthly premiums in full by monthly Direct Debit. The voucher will only be issued after 3 successful premium payments have been received.
3. Within 30 days of the qualifying criteria have been met, the customer will receive an email containing a unique code which can be used to claim a €100 voucher for a selected participating retailer.
4. Customers must provide a valid email address when applying for the plan. The promoter accepts no responsibility where a voucher email cannot be delivered due to an invalid email address or incorrect customer details.
5. This offer is only available on plans paid by monthly Direct Debit. Plans paid by any other payment method are not eligible.
6. Only one €100 voucher will be issued per customer, regardless of the number of eligible plans purchased.
7. This offer is not available in respect of business replacement cases, existing plans, or plan applications received before 6 July 2026.
8. If the policy is cancelled, lapses, is amended so that it no longer meets the qualifying criteria, or if any of the first 3 monthly premiums are missed, unpaid or reclaimed, the customer will not qualify for the offer.
9. The unique code must be redeemed within 30 days of the date of issue (the “Claim Period”). Redemptions received after the Claim Period has expired will not be eligible. For the avoidance of doubt, the date on which the unique code is emailed to the customer counts as day 1.
10. The voucher is subject to the terms and conditions of the participating retailer and/or voucher provider. Available retailers may change from time to time.
11. The voucher is non-transferable, non-refundable and cannot be exchanged for cash or any other alternative, in whole or in part, except where required by law.
12. The promoter reserves the right to substitute a voucher of equal value where this becomes necessary for reasons beyond its reasonable control.
13. The promoter reserves the right to amend, suspend or withdraw this offer at any time where it becomes necessary to do so, including where required by law, regulation or circumstances outside the promoter’s reasonable control.
14. This Promotion is also subject to the terms and conditions of: (i) Irish Life Assurance plc (“ILA”), which will be provided to you in connection with the Promotion; (ii) Sweete, which will be available on the webpage provided within the email issued by or on behalf of ILA to claim the Voucher; and (iii) each participating retailer, as applicable from time to time; (together the “Third Party Terms”). Participating retailers may also change from time to time.
15. All entrants to the Promotion are deemed to have accepted these terms and conditions and the Third Party Terms by participating in the Promotion. Failure to comply will result in disqualification.

Mortgage Protection policy approval is subject to meeting the underwriting criteria and providing all necessary documentation. Plans available for those up to age 74. Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland. Permanent TSB plc is tied to Irish Life Assurance plc for life and pensions products. Irish Life Assurance plc is regulated by the Central Bank of Ireland.