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Fire Brigade Group Life Cover

In the event of death, the issue of financial support may be even more pressing for your family. Mortgage payments, day-to-day living expenses, credit card bills, etc. will still have to be met by those you have left behind. This is why the Fire Brigade Group Life Cover Plan is regarded as such a valuable benefit amongst employees.

Members’ Benefit


The Plan provides for the payment of a tax-free lump sum in the event of death of a member. The benefit payable is set out in the table below. Cover and premiums cease at age 85.

Members’ Life Cover

Age of deathLevel of Death Benefit
Up to age 55€136,000
55 to 64€81,500
65 to 69€41,000
70 to 74€18,000
75 to 79€10,000
80 to 84€5,000

Click 'Join Now' or call us today on (01) 470 8083.

 

What do I need to know?

  1. Who is eligible to join the Fire Brigade Group Life Cover?
  2. How much does membership of the Fire Brigade Group Life Cover cost?
  3. Do I get tax relief on the contributions that I make

1. Who is eligible to join the Fire Brigade Group Life Cover?

To be eligible to apply for membership of the Fire Brigade Group Life Cover Plan you must be:
An employee of a Local Authority who is engaged as a full-time member of the Fire Service and
Under age 55 and
Working for 8 hours or more per week and either employed on one of the following basis:
Full-time permanent or Commenced a contract of definite duration (if you are in a temporary position your contract must be at least 12 months’ duration) and
An active member of a Civil or Public Service Superannuation Scheme

Please note: If your Spouse/ Partner would like to become a member of the Fire Brigade Group Spouses/ Partner Life Cover you must be a member of the Fire Brigade Group Life Cover.
[IMPORTANT: You must remain an employee or retired member of the Fire Brigade to remain an eligible member of the Plan. If your employment ceases you must inform Cornmarket in writing as you can no longer stay in the Plan, and your estate will not be able to claim from it.]

2. How much does membership of the Fire Brigade Group Life Cover cost?

The cost of Plan membership is €6.23 gross per week.

3. Do I get tax relief on the contributions that I make?

Yes. You are eligible for tax relief at your highest rate on the contributions that you pay.

 

Click 'Join Now' or call us today on (01) 470 8083.

Fire Brigade Group Spouse/Partner Life Cover

In the event of death of a Fire Brigade Spouse/Partner, the Plan provides a payment of a tax-free lump sum to the fire brigade employee. The benefit made payable is set out in the table below. Cover and premiums cease at age 80.

Spouse/Partner Life Cover

Age of deathLevel of Death Benefit
Up to age 55€65,000
55 to 64€65,000
65 to 69€18,000
70 to 74€10,000
75 to 79€5,000

 

Click 'Join Now' or call us today on (01) 470 8083.

 

What do I need to know?

  1. Who is eligible to join the Fire Brigade Group Spouse/Partner Life Cover?
  2. How much does membership of the Fire Brigade Group Spouse/Partner Life Cover cost?
  3. Do I get tax relief on the contributions that I make?

1. Who is eligible to join the Fire Brigade Group Spouse/Partner Life Cover?

All spouses/partners* of members of the Group Life Cover Plan of the Fire Brigade under age 60 are eligible to join the Plan.

*Definition of spouse/partner: Your Legal Spouse or your Registered Civil Partner; or a person with whom you are cohabiting in a long-term relationship, for 12 months or more at the date of application for cover; and that both of you are free to legally marry each other or enter into a Civil Partnership together. He/She must remain eligible in accordance with the foregoing to continue his/her cover so that at the date of your death he/she would be classified as belonging to one of the categories of person specified and, as such, be an eligible beneficiary.

Important: Your spouse/partner can only be a member of the Group Spouse/Partner Life Cover as long as you remain a member of the Group Life Plan.

2. How much does membership of the Fire Brigade Group Spouse/Partner Life Cover cost?

The cost of Plan membership is €2.38 gross per week.

3. Do I get tax relief on the contributions that I make?

No. There is no tax relief available on the Fire Brigade Group Spouses Life Cover

 

Click 'Join Now' or call us today on (01) 470 8083.

 

How to join

Applying to join the Fire Brigade Group Life Cover and the Fire Brigade Group Spouse/Partner Life Cover is quick & easy. Simply complete the following steps to enjoy the security & peace of mind that the Plan provides!


STEP 1

Before submitting your application for membership of the Plan, we ask that you consult the Plan Summary Booklet & the Cornmarket Terms of Business, using the links below. This is to ensure that you fully understand how the Plan operates.
Click here for the Fire Brigade Voluntary Protection Group Plans summary booklet 
Click here for Cornmarket's Terms of Business

STEP 2

Print & complete the relevant application form

  • Fire Brigade Group Life Cover application form - Call (01) 470 8083
  • Fire Brigade Group Spouses/Partner Life Cover application form – Click here

STEP 3

FREEPOST your completed application form to:
Cornmarket Group Financial Services Ltd,
FREEPOST F3976,
Christchurch Square,
Dublin 8.
Friends First Life Assurance Company Ltd. is regulated by the Central Bank of Ireland.

How to Claim?

As Administrators of the Plan, Cornmarket’s role is to help guide members’ families through the claims procedure. Once notified of a member’s death, Cornmarket will send a letter to the next of kin/legal personal representative explaining the documentation that the underwriters require in order to process the Death Benefit claim, including:
•    Original or certified Death Certificate
•    Original or certified Birth Certificate
•    Certified copy of the Will and Grant of Probate (or if there is no Will the underwriters will require Letters of Administration)
•    Proof of ID and address for beneficiaries (requirement for Anti Money Laundering documentation).

Bear in mind that the estate of a deceased member must be processed through the Probate office (the next of kin or solicitor can deal directly with the probate service). This can result in delays to the payment of Death Benefit to the beneficiaries (anywhere between 3 months to a year or more). Once Friends First receives all the documents and information it requires, payment of the Death Benefit claim is usually made within 10 days, subject to admission of claim.

 

Contact Us

 

  • Phone    (01) 408 4018
  • Online    Click here 
  • Post       SPS Claims Department
                  Cornmarket Group Financial Services Ltd.
                  Christchurch Square
                  Dublin 8