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OnePlan Protection

Get peace of mind to enjoy the important things

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OnePlan Protection from Irish Life

OnePlan Protection is a new type of protection plan based on the cover people and families in Ireland need most. An Irish Life Adviser will work with you to determine the perfect plan to suit you and your families needs. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

  • You can choose any benefit on its own                   
  • You can choose any combination of benefits

One Plan, One Payment

All in one or multiple benefits with flexibility

  • Start your journey by calling us and your Financial Adviser will help guide you.
  • Your Financial Adviser will walk through setting up your unique protection options.

Your Financial Adviser can help you choose the best benefits for you. Take the free Irish Life assessment or call us today on 0818 837 418.

One tailored plan to protect what is important

OnePlan Protection from Irish Life provides for your different life insurance needs in one single plan, based on the type of cover you require most. With OnePlan Protection, you will only ever pay for one plan fee, regardless of how many types of cover you choose. 

One direct debit payment, from one company, in one plan

A range of cover options are available for you and your family. They include:

  • Decreasing Life Cover - Pays a lump sum to provide your chosen level of replacement income if you or anyone covered under the plan dies. Your chosen amount of life cover will decrease each year because the amount of replacement income your family needs reduces over time.
  • Bill cover - Helps pay your essential monthly bills (mortgage, rent, utility bills) if you cannot work because of an illness or injury while you are employed. You will not be able to claim for bill cover if you are unemployed for more than one month and your claim may be limited if living abroad at the time of your claim.
  • Specified illness cover – Pays a lump sum to help you recover without financial burden if you are diagnosed with one of the specified illnesses covered under the plan. There are also extra OnePlan Protection benefits you can choose to protect your family. Your Financial Adviser can discuss this with you.

Talk to your Financial Adviser or download the One Protection Plan Booklet to see full covers and benefits.

LifeCare services through OnePlan Protection at no extra cost

Benefit’s available though LifeCare at no extra cost. LifeCare is available through OnePlan that includes Decreasing Life Cover, Bill Cover and Specified Illness Cover. Ask your financial advisor for full list of no extra cost benefits available.

  • MedCare: A medical second opinion service provided by MediGuide.
  • Independent review of your diagnosis and treatment plan.
  • NurseCare: Two confidential medical helpline services provided by Intana Assist. 
  • Nurses available to talk to you 24 hours a day all year round.
  • ClaimsCare: Access to post-claim counselling services with the Clanwilliam Institute. A dedicated claims assessor will help you through the claims process.

MediGuide, Intana Assist and Clanwilliam Institute provide confidential services and are independent from Irish Life. These services are not designed to replace the advice provided by your doctor or your own health professional. Your access to these third party services is subject to their terms and conditions. Irish Life accepts no liability for these services. Irish Life may change the service providers or withdraw access to these services in the future.

Important information

OnePlan Protection is provided by Irish Life Assurance plc.

  • You must be over 18 and resident in Ireland to buy OnePlan Protection. An upper age limit applies to some of the benefits. You can include cover for your partner if you want at an additional cost provided they are also over 18 and resident in Ireland
  • You must keep up your payments to stay on cover. This is a life insurance plan and not a savings plan so you cannot cash it in
  • If after buying your plan you feel it is not suitable, you have 30 days to cancel it – any payments you have made within the first 30 days of our sending you the details of your plan you will be refunded
  • You’ll need to meet with a Financial Adviser before taking out insurance cover. permanent tsb p.l.c. is tied to Irish Life and can advise you on OnePlan Protection. Your cover can vary depending on your circumstances.
  • Your Financial Adviser can help you see what level of cover you might need. This can vary depending on your circumstances, for example what level of income you have.

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.


Call 0818 837 418
OnePlan Protection Booklet

Discover all the benefits of Irish Life's OnePlan Protection by downloading this booklet.

Terms and conditions booklet

For full information and benefit descriptions including any restrictions and exclusions.

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