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Life cover that pays a staff member's family up to four times salary, and income protection that keeps them paid through a long illness. Quoted from every main Irish insurer and run for you.
Headcount, rough salaries and the cover you want. A senior advisor is in touch with quotes from every main Irish insurer.
Tax relief, contribution limits and the right plan differ between the three.
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Death in service cover, also known as group life assurance, pays a lump sum if a staff member dies while they work for you. Revenue allows an approved scheme to pay up to four times the employee's salary, plus a refund of any contributions they made themselves. For the employee it is a tax-free benefit.
Set up as a Revenue approved scheme, the premium is a business expense for the company and not a benefit in kind for staff. Cover is written on the whole group, so each person is covered up to an agreed non-medical limit without health questions. That matters for an older employee, or someone with a condition that would make cover hard to buy alone.
Group income protection replaces part of an employee's salary if illness or injury keeps them out of work beyond a waiting period, known as the deferred period. Insurers pay from two-thirds up to 75% of salary, less the State Illness Benefit, until the person returns to work or reaches the end age of the scheme.
You choose a deferred period of 13, 26 or 52 weeks to line up with your sick pay policy. The longer it is, the lower the premium. Most insurers include early intervention support, with nurses and rehabilitation services working to get people back to work sooner.
| Death in service | Group income protection | |
|---|---|---|
| Premium for the company | A business expense when set up as a Revenue approved scheme | A business expense |
| For the employee while covered | Not a benefit in kind | USC is due on the employer's contribution; no income tax or PRSI while total contributions stay within 10% of income |
| When a claim is paid | A lump sum of up to four times salary, plus a refund of the employee's own contributions | A regular income, taxed through payroll like salary |
A claim usually lands on the desk of someone who has never handled one. Tell your advisor and we take it from there: the forms, the medical evidence, the insurer's questions and the follow-up.
For death in service, the lump sum goes to the family or the beneficiary the employee nominated. For income protection, the benefit starts when the deferred period ends. It is paid to the company, which passes it on each month. If the employee returns on reduced hours, a partial benefit can continue on most policies.
Headcount, rough salaries, ages and the cover you want. The form takes two minutes.
Premiums, non-medical limits and support services, side by side in euro.
The salary multiple, the income protection level and the deferred period.
We handle the application, the scheme rules and the paperwork.
A short briefing so everyone knows what the cover is worth.
Renewal terms checked against the market before you accept them.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
No. When the scheme is set up as a Revenue approved scheme, the premium the company pays is not a benefit in kind, and insurers treat the cover as a tax-free benefit for the employee.
The lump sum can go to the employee's estate, to a beneficiary they nominated, or be distributed at the discretion of the trustees or the employer. It does not have to go to dependants only. We help staff record their wishes when they join.
Not up to the non-medical limit. Everyone joining the scheme is covered automatically up to that level. Above it, the insurer may ask health questions of that person only.
Match it to your sick pay. If you pay full salary for 13 weeks, a 13 week deferred period means the benefit starts as your sick pay ends. A longer deferred period costs less.
Each insurer sets its own minimum group size, and many will quote for small teams. Tell us your headcount and we tell you who will quote.
Cover ends when employment ends. Some insurers let a leaver take out an individual policy without medical questions, which we point out when someone leaves.
Yes. Some insurers offer group specified illness cover, which pays a lump sum on diagnosis of a listed illness. We quote it alongside the other two.
Group rates are usually reviewed at renewal. We check the renewal terms against the market before you accept them.
Sources checked 7 October 2026.
Two minutes on the form. A senior advisor is in touch with quotes from every main Irish insurer.