How It Works
Step 1 - Do your research
You should begin your research on the Product Information page. There you can download and read a copy of the Death Benefit Plus Brochure document which explains the benefit and features of the product and contains a customer information notice (CIN). You will also find the Policy Conditions booklet and our Terms of Business document on the same page.
Step 2 - Review the cover exclusions and policy conditions
The cover exclusions are described on the "Exclusions from Cover" page and on section 7 of the the Policy Conditions booklet which you can downloaded from the "Product Information " page. An insurance exclusion means a statement in an insurance policy which describes a condition or a type of loss that is not covered by the policy or in the case of this policy, is not covered until after a certain period of time has elapsed e.g. until 2 years premiums have been paid. As exclusions and limitations take away some of cover under an insurance policy, it is important you understand them before you buy a policy.
Step 3 - Get a Quote
To get a quote click on "Get a quote" on the Home page. You will need to enter your date of birth and choose a cover amount from a range of cover options. Once you have entered these the system will show the monthly premium payable for the cover amount you have chosen. You can also find a full table of premiums set out in the Death Benfit Plus Brochure.
Step 4 - Buy a policy
To buy a policy you must first go and Get a Quote. When you do this your quote will be displayed "Your Quote is €...…" and the monthly premiums payable will be shown. There will also be some important information you should read carefully. You will see the date of birth you entered and the cover amount and you should check they are correct. If they are not correct you can go back and change them by clicking on "Change Quote Details" and enter them again. When you reach the bottom of the quote page you will see "Proceed to Application". If your are ready to buy a policy, you should click to proceed and complete a straightforward application form. On the form you will enter your personal details and your account details to our secure website to allow payment of monthly premiums by direct debit.
Step 5 - Your Policy Pack will be sent to you
Once you have completed your on-line application your policy pack will either be emailed or posted to you. If you choose the environmentally friendly email option, we will also ask you for your mobile number so we can send you a password to open your policy securely. With the email option you will instantly receive the pack at the email address you provided and will be able to view your policy on your device and can print it out if you require. If you have chosen to receive your pack by post, you will receive it within a couple of days. You can cancel your policy at any time. If you decide to cancel your policy less than 30 days after the start date then you will receive a refund of any premium paid.
Help & Support
If you have any questions relating to Death Benefit Plus we are here to help. Phone lines are open Mon - Fri 9am to 4:45pm. To find out more, please call us on 0818 29 39 49
Registered No.73410. Registered Office 33-41 Lower Mount St., Dublin 2, D02 Y489
ECCU Assurance DAC is regulated by the Central Bank of Ireland
Read DB Plus Privacy Notice here.