Quinn life are probably your best bet if you don't want exit charges. Otherwise by going through a broker and with a minimum lump sum of €7,500 I think Eagle star have an offer of 1% annual management charges which is a good deal charges-wise imho.
There would be no exit charges on any regular savings plan set up on a nil commission basis with any of the providers listed above.
Quinn Life and Rabo would also be contenders maybe also Friends First...
Remember also that some apparently nil commission deals are not nil commission at all.
I would think that the ES deal which refunds the 10% commission and charges a flat fee of €200 would be a far better deal than the ES package that you mentioned...so long as the annual premium is over €2,000 - which it clearly is once the monthly premium goes €167.
If the lump-sum were very large, the FF deal with 106% allocation would obviously have a better chance of being the better deal...each case would need to be reviewed on its own merits.
My family's firm provide such a product, a few people on this site have already taken advantage of it, feel free to PM me if you want further info.
In relation to the lump-sum, as I have already told you, each case would need to be reviewed on its merits I was merely disproving your theory that the FF deal could not match the ES deal it clearly could...
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