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Insurance Life Savings Insurance

Life Savings Insurance Cover

What is it?

Life Savings Insurance cover is a life insurance cover provided by Comhar Linn INTO Credit Union to all eligible members as an additional incentive to save regularly and maintain savings within the Credit Union.


With Life Savings Insurance, the beneficiary(ies) will receive a financial sum in addition to your savings in the event of your death. The amount they will receive will depend on the age you were when you lodged your savings with the Credit Union over the years.

How does it work?

The amount of insurance benefit which an eligible member is entitled to is in direct proportion to the savings and age of the member.

Subject to a maximum benefit of €13,000, every Euro you save in the credit union before the age of 55 provides €1 of insurance cover. So, if you are 54 years of age and have €6,000 saved with the credit union, an insurance benefit of €6,000 is paid out in addition to your savings on your death.

Once you are over 55 years of age for each Euro saved, the credit union will provide the following insurance benefit:

  • Between the ages of 55-59 - .75c.
  • Between the ages of 60-64 - .50c.
  • Between the ages of 65-69 - .25c.
  • No insurance is payable on amounts saved after your 70th birthday.

Once earned, your insurance remains in force as long as you leave your savings in the credit union. Withdrawals may affect the amount payable.


You are entitled to Life Savings insurance cover when you save with the Credit Union, if you:

  • Join the credit union before 70 years of age.
  • Are active at work, or if not working, in good health.

In the event of death by suicide, no insurance will be paid for any lodgements made in the 12 months prior to death.

Life Savings insurance is subject to a pre-existing condition limitation, as set out below,

Pre-existing Condition Limitation

No extra insurance will be paid on lodgements made in the 6 months prior to your death, if your death was due to a Pre-Existing Condition. A pre-Existing Condition is one you were aware of, diagnosed with or were being treated for in the 6 months prior to your death.

When acting as an insurance intermediary, Comhar Linn INTO Credit Union Limited, is regulated by the Central Bank of Ireland as a Multi-Agency Intermediary. Registered Number 393cu.

Serving the financial needs of INTO and RTAI members and their families.
Contact Us
  • Comhar Linn INTO Credit Union Limited
  • Tel: 1850277377 / 8731101
  • Fax: 01 873 3253
  • Email:
  • Web:
  • Address: 33 Parnell Square, Dublin 1
Opening Hours
Mon: 10.00am - 5.00pm
Tue: 10.00am - 5.00pm
Wed: 10.00am - 5.00pm
Thu: 10.00am - 5.00pm
Fri: 10.00am - 5.00pm
Sat: Closed
Comhar Linn INTO Credit Union Limited is regulated by the Central Bank of Ireland. Reg no: 393CU