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Cumhdaíonn árachas saoil freisin árachas forlíontach in aghaidh díobhála pearsanta lena n-áirítear éagumas chun fostaíochta, árachas in aghaidh báis a thig as tionóisc agus árachas in aghaidh míchumais a thig as tionóisc nó breoiteacht.
Life insurance also covers supplementary insurance against personal injury including incapacity for employment, insurance against death resulting from an accident and insurance against disability resulting from an accident or sickness.