ONE DIRECT TERM LIFE ASSURANCE
One Direct Term Life Assurance (Health Insurance)
        
Securing peace of mind for your family couldn't be easier. With a One Direct Term Life Assurance Plan you can take up to €400,000 in life cover providing financial security for your loved ones should you die, or suffer from a terminal illness* during the term of the plan. One Direct offer numerous levels of cover so take your time to consider exactly what you need. Make sure that you read the terms and conditions of any insurance policy you want to apply for thoroughly so that you know what you are covered for.
Location: Ireland
Advantages:
1. Peace of mind and security for your loved ones.
2. Term life can be taken out by adults between the ages of 18 and 64.
3. Choice of terms: 5 years to 40 years up max age 79.
4. Monthly premium provides a lump sum on your death or diagnosis of a terminal illness*.
5. Consistent level of life cover and unchanging premiums.
6. Dual or single life plans available.
7. Automatic additional children’s cover of €4,000 included.
8. Choice of flexible payment methods.
Disadvantages:
1. If you propose to take out this policy in complete or partial replacement of an existing policy, please take special care to satisfy yourself that this policy meets your needs. In particular, please make sure that you are aware of the financial consequences of replacing your existing policy. If you are in doubt about this, please contact your insurer or insurance intermediary.
2. If you stop paying your premiums or cancel your policy during the term of your policy, any protection benefits it offers will cease and no value will be payable.
Services:
The conversion option which, if chosen, allows you to take out another Term Life Assurance policy before your original policy expires, without giving any additional medical evidence.

Policy Name: One Direct Term Life Assurance
Policy Cost: From €15 per month
Policy Deductable: N/A

Cover Type: Term Life Assurance
Cover Level: Standard - Premier
Cover Detail: 1. Term life is available to adults from 18 to 64 years of age
2. Term of cover is from 5 years to 40 years, up to a max age 79.
3. Monthly premium provides a lump sum on your death or diagnosis of a terminal illness
4. You pay a monthly premium, which will ensure that the level of life cover you select up to €400,000, is paid on your death. It will also be paid if you become terminally ill during the term of your plan, as long as it has at least 18 months to run.
5. Consistent level of life cover and unchanging premiums
6. Your monthly premium will never increase and your cover will never decrease over the entire period of your Term Life plan.
7. Dual or single life plans available
8. The same plan can cover two people - you can take out a Single Life Plan on yourself only, or a Dual Life Plan for both you and another person. With a Dual Life Plan, a claim due to the death of one policyholder has no effect on the other person's benefits.
9. Automatic additional children’s cover of €4,000 included
10. Additional Children’s Cover is built in whereby all children between the ages of 3 months and 18 years are automatically covered for €4,000 death benefit in the event of death of a child during the term of your policy. We will also continue to provide this life cover for children up to 21 if in full time education.
11. Choice of flexible payment methods
12. You can choose to pay your monthly premiums either by BillPay at your local Post Office or by Direct Debit - the choice is yours!

Application Methods: Online, Tel
Underwriter: Ask on application
Pay Monthly: No

Suitable:
Peace of mind and security for your loved ones.
Restrictions:
Term life is available to adults from 18 to 64 years of age
Availability:
Term of cover is from 5 years to 40 years, up to a max age 79.
Discounts:
As a welcome to One Direct Term Life Plan, we want to reward you with an allocation of Prize Bond numbers worth a total of €62.50. These bonds will be allocated to you for the duration of your policy, which means you will be in with a chance to win tax-free cash prizes every week and you’ll be in the draw to win a €1,000,000 jackpot every month. And now you can increase your chances of winning by taking out your Car or Home Insurance with One Direct and receiving an additional allocation of €50 in Prize Bonds for each policy, for the duration of those policies.

HEALTH INSURANCE
Health Type: Medical Insurance
Health Info: N/A
Ambulance Cover: No
Hospital Cover: No
        

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