Protecting Ireland's Workforces for over Three Decades.
Expert advice on Group Life Insurance, Income Protection, and Critical Illness Cover — tailored for Irish employers of every size.
- Irish Life
- Zurich Life
- Aviva
- New Ireland
- Royal London
Comprehensive Group
Risk Solutions
Three core products, expertly structured to protect your most valuable asset — your people.
From Enquiry to
Policy — Made Simple
We remove the complexity from Group Risk. Here's what engaging us looks like, from first contact to ongoing support.
Discovery
We start with a brief conversation to understand your organisation — headcount, payroll, any existing cover, and your objectives. No forms, no pressure.
Marketplace Search
We tender your requirements to the entire Irish Group Risk market — Irish Life, Zurich, Aviva, New Ireland, Royal London — and analyse every response.
Clear Recommendation
You receive a clear, jargon-free recommendation with our reasoning — the best-value option for your specific scheme, not a generic quote.
Implementation & Review
We handle the setup, member data, and ongoing administration. Your scheme is reviewed annually to ensure it stays competitive as your business grows.
The Specialist
Advantage
Most employers receive Group Risk advice from their general insurance broker. We do this exclusively — and that difference shows in the results we deliver.
Talk to Our TeamNot Tied to Any Insurer
We are not tied to any insurance company. Our sole obligation is to find the best solution for your business and your employees — searching the entire Irish market on your behalf.
Deep Market Expertise
Established in 1989, our team has decades of hands-on experience navigating the Group Risk market. We understand the nuances, the products, and the providers — so you don't have to.
Minimal Administrative Burden
We handle the paperwork. Our comprehensive questionnaire approach gathers what's needed while protecting employee privacy — no individual medical examinations required in most cases.
Tax-Efficient Structures
Group Risk benefits offer significant tax advantages for employers and employees alike — from corporation tax deductions to BIK exemptions. We help you structure everything optimally.
Ongoing Support & Review
Our relationship doesn't end at policy inception. We conduct regular reviews, handle claims support, and ensure your cover remains competitive and aligned with your business as it grows.
Employee Privacy First
Sensitive medical data stays protected. Our process never requires individual employee names during the quoting phase — employees are anonymised by age and salary band.
Which Cover Does
What?
Not sure which product is right for your team? Here's how they compare at a glance.
| Feature | Group Life Insurance | Income Protection | Critical Illness |
|---|---|---|---|
| When does it pay out? | On employee death | On long-term illness / injury | On diagnosis of specified illness |
| Type of payment | Tax-free lump sum | Monthly salary replacement | One-off lump sum |
| Typical benefit level | Up to 4× annual salary | 66–75% of salary | Set sum (e.g. 1–2× salary) |
| Benefit duration | Single payment on death | Until recovery or retirement age | Single payment on diagnosis |
| Corporation tax deductible? | Typically yes | ||
| Benefit-in-Kind (BIK) for employee? | Tax relief on premiums | ||
| Medical underwriting required? | Usually not (group scheme) | Usually not (group scheme) | Usually not (group scheme) |
| Best suited for | All employers — death-in-service is the most valued benefit | Employers wanting to protect long-term sick pay obligations | Employers offering flexible or voluntary benefits |
Not sure which is right for you? We'll help you build the right structure for your business.
Decades of Expertise.
One Focus.
Since 1989, GroupRisk.ie — part of the IFC Finance Group — has dedicated itself entirely to Group Risk insurance for Irish employers. While others treat Group Risk as one product among many, it is our singular specialism.
This focus means deeper insurer relationships, sharper market knowledge, and consistently better outcomes for the employers and employees we serve.
Trusted by Irish Employers
Ready to Protect
Your Workforce?
A free initial consultation with no obligation. We'll assess your current position, explain your options, and search the market for the most competitive solution.