Cornmarket are owned by Irish Life, so you know where you will be recommended.
Luckily Ravima, when the changes come in, you will still be somewhat protected, with full pay for a certain period and half pay for the another before it ceases altogether. That means you can stagger your cover by having two plans. It will reduce the overall cost for you. Premiums are tax deductible as well but on payout, you are taxed under PAYE.
Let me know if I can be of any further help.
Steven
Financial Planner