Based on details you gave thats the cheapest available. Also Irish Life offer partial payment cover which is new to market and in some ways is better cover than competitors products.
Thanks Steve. What exactly is partial payment cover? We're still not 100% about the sum assured but nevertheless are going for it. We've concluded that should we need to supplement it in a few years then we'll take out another policy later on down the road.
Partial Payment cover is free additional cover Irish Life offer on all specified illness plans. It pays out €15,000 on diagnosis of some ailments that other companies dont pay out on for example surgical removal of an eye. There is 10 ailments covered by partial payment cover and only one of them is covered by a competitor.
On side note, not sure what Funkf00t was referring to but Irish Life dont use 'quarter birthdays' unlike some other companies.