BENEFITS & RATES
With effect from 01 July 2026. Benefits and Premiums shown are guaranteed for 3 years. Cover ceases on 85th Birthday.
Serving and Retained Members
MetLife Group Life Assurance Plan
| AGE BAND | BENEFIT | PREMIUM |
| 17 – 28 | €180,000 | €15.23 |
| 29 – 35 | €300,000 | €25.38 |
| 36 – 50 | €420,000 | €50.75 |
| 51 – 55 | €390,000 | €50.75 |
| 56 – 60 | €372,000 | €50.75 |
| 61 – 65 | €240,000 | €40.60 |
| 66 – 70 | €120,000 | €48.72 |
| 71 – 74 | €48,000 | €30.45 |
| 75 – 84 | €11,040 | €30.45 |
Spouse Members
MetLife Group Life Assurance Plan
| AGE BAND | BENEFIT | PREMIUM |
| 17 – 28 | €180,000 | €11.17 |
| 29 – 35 | €300,000 | €19.29 |
| 36 – 50 | €300,000 | €35.02 |
| 51 – 55 | €264,000 | €35.02 |
| 56 – 60 | €246,000 | €35.02 |
| 61 – 65 | €156,000 | €45.68 |
| 66 – 70 | €90,000 | €45.68 |
| 71 – 74 | €18,000 | €15.23 |
| 75 – 84 | €6,600 | €15.23 |
CAOGA Friendly Society Scheme
| AGE | SUBSCRIPTION | BENEFIT |
| Member to 70th Birthday | €10.00 | Official €10,157.90 Discretionary €9,523.40 |
| Spouse Member to 70th Birthday | €5.00 | Official €10,157.90 Discretionary €6,983.56 Funeral Benefit €4,000 |
| Children up to 25th Birthday | Free | €5,000 |
CAOGA Benevolent Fund
| CATEGORY | SUBSCRIPTION | BENEFIT |
| Serving & Retained Officers | €2.00 | Grants |
CAOGA Friendly Society subscriptions (less 20%) are refundable to members at 70 years of age.
CAOGA GROUP LIFE ASSURANCE PLAN RENEWAL
JULY 2026
Dear Member,
The Management Committee of CAOGA has recently finalised the renewal of the Group Voluntary Life Assurance Plan and appointed MetLife Europe d.a.c. as the new insurer. CAOGA worked closely with Cornmarket to negotiate the most competitive rates and benefits for its members. MetLife has also guaranteed the benefits and premiums for three years, until 1 July 2029.
The good news is that the benefits will increase by 20%, while the cost of membership will remain the same, meaning that there will be no increase in the premium. In addition, members will have access to MetLife 360Health, which offers a suite of online health and wellbeing services designed to provide additional support and protection.
As always, important considerations informing the committee’s decision-making process were the financial pressures experienced by young mortgage holders and the desire to ensure that age categories of greatest need are appropriately covered in line with our primary objective “to protect the long-term financial security of the members’ family in the event of the death of a key member of the family”.
Cadets
Cadets who join the Plan at first opportunity will be underwritten by our insurance provider, Met Life, free of charge for benefit of €36,000 until commissioning.
Tax Relief
All serving officers are in receipt of tax relief (applied at source) on 50% of their Group Life Assurance premiums.
Terminal Illness Cover
On certification of terminal illness by a medical specialist, with expected death within twelve months, 30% of the death benefit can be paid in advance, up to 65 years of age.
Child Benefit
Children of members have free cover of €6,000 up to their 25th birthday, this benefit will apply for the lifetime of a member’s child who has special needs. This is in addition to the cover provided under the CAOGA Friendly Societies scheme.
Please be advised that retired/retained members who voluntarily undertake employment abroad are obliged to inform CAOGA in advance and may not be covered for such employment.
Contact with CAOGA Office
The CAOGA office is based in McKee Bks, Dublin. You can contact the Secretary Comdt Ciara Murray 01-8042785 or the CAOGA Administrative Officer Ms Denise Flynn 01-8042786. Email/website info@caoga.net www.caoga.net