Life assurance pays out a lump-sum on the death of the life or lives assured. AIB Simple Life Insurance is a no-frills life cover plan which could give you instant life insurance when you apply online. If you are accepted, you could be covered by the end of the application process.

Key Information

Protection products are provided by Irish Life Assurance plc.


Instant Cover


Apply for online cover in just 5 minutes if you are happy to apply without financial advice and are not replacing any existing Life Insurance policy. You choose the amount of cover you want, and make the payments to us as set out in the schedule. If you die we will pay out the appropriate benefit.

Key Details of AIB Simple Life Insurance


  • Premium cover could start from as little as €10 per month exclusive of the 1% government levy

  • Price depends on age, health, term and amount of cover

  • Limited health questions – no initial medical required

  • Life cover up to €150,000 for a maximum of 20 years

Simple Life Insurance may be of interest if you...


  • are happy to apply without getting any financial advice

  • are aged 18 to 49

  • live in the Republic of Ireland

  • want life cover for a term of between 2 and 20 years

  • can afford regular payments of at least €10 a month, price exclusive of the 1% government levy

  • want up to €150,000* life cover only

  • want life cover only, with no added benefits or features

  • want cover for just one person

  • are in good health and have been for 10 years and meet our conditions for accepting applications.

*As this plan is underwritten by Irish Life, the maximum amount of Simple Life Insurance life cover you can take out with Irish Life is €150,000. This limit applies to your total amount of cover if you have more than one Simple Life Insurance plan with Irish Life. Irish Life can cancel any Simple Life Insurance plans you have with them that brings your cover over the €150,000 limit.


Simple Life Insurance may NOT be of interest if you...


  • are looking for financial advice

  • are younger than 18 or older than 49

  • want cover for more than 20 years

  • want a plan which covers more than one person

  • want more than €150,000 of life cover

  • are currently having medical treatment or have experienced ill health in the past 10 years

  • are looking for a plan with added benefits such as specified illness cover

  • are considering this policy as replacement for an existing plan.


You must keep up payments to stay on cover.

Need help deciding which plan is right for you? You can ...


AIB Simple Life Insurance Booklet Downloads


Other Information


Allied Irish Banks p.l.c. is a tied agent of Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

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