Irish Life Health
Welcome to Ireland’s newest health Insurer, Irish Life Health. Bringing fresh options and innovation to the health insurance market.
Irish Life
Irish Life the largest life and pensions group and fund manager in Ireland, employing 2,000 people and servicing one million customers.
Irish Life Investment Managers
Managing assets in excess 39bn, ILIM manages money on behalf of multinational corporations, charities and domestics.

EMPOWER Master Trust

Trust the Pension Masters

At Irish Life, we have used our wealth of industry experience and customer knowledge as the largest Defined Contribution (DC) pension provider in Ireland to deliver an exceptional master trust solution - EMPOWER Master Trust.

Why choose EMPOWER Master Trust?

As the largest master trust in Ireland, with over 110,000 plan members, our award-winning* EMPOWER Master Trust is leading the way for pensions in Ireland. 

Aside from our scale, experience and expertise in the world of pensions, there are a myriad of reasons to choose EMPOWER Master Trust. 

Key features include a wholly independent trustee, meaningful member engagement, responsible investing, unparalleled investment in technology and a unique personalised default investment strategy

*Winner of Pension Scheme of the Year at the 2022 Irish Pension Scheme Awards.

Meaningful Member Engagement 

At Irish Life, member engagement has been a key focus for us for years. In the new world of pensions, it's more important than ever before.

Which is why we're proud to be setting the standard for meaningful member engagement in Ireland...

A Wholly Independent Trustee

We’ve used our unparalleled insights and collaborated with expert advisors across the spectrum to ensure our EMPOWER Master Trust is truly exceptional. One of those key partners is Law Debenture Master Trust Trustees (Ireland) DAC (LawDeb Ireland DAC). 

As trustee of Irish Life's EMPOWER Master Trust, LawDeb Ireland DAC is wholly independent of Irish Life, which is quite a unique feature in the Irish master trust market.

Responsible Investing

You have worked hard for the money you invest in your pension. At Irish Life, we are working hard to make the most of it for you.

With our Investment Managers, we're committed to growing your money and doing it responsibly. That means investing more in companies that manage their environmental, social and governance (ESG) risks in a better way.

In fact, Irish Life Investment Managers (ILIM) are currently managing nearly €40 billion of responsibly managed assets... 

We are here to help

If you want to find out more about EMPOWER Master Trust, our team would be delighted to help. With a waiting list of clients already moving across, now is the time to get in touch.


Talk to us today

To find out more email our master trust team directly at today.

To understand your options and whether a master trust is the right fit for your company pension plan, head over to our
guide to making the master trust decision.

WARNING: If you invest in this product you may lose some or all of the money you invest.
WARNING: If you invest in this product you may lose some or all of the money you invest.
WARNING: If you invest in this product you may lose some or all of the money you invest.
WARNING: If you invest in this product you may lose some or all of the money you invest.

Securities Lending: The assets in these funds may be used for the purposes of securities lending in order to earn an additional return for the fund. While securities lending increases the level of risk within the fund it also provides an opportunity to increase the investment.

Irish Life Assurance plc is the product provider for the EMPOWER Master Trust as sponsored by Irish Life Financial Services Ltd., with Law Debenture appointed as Trustees. 

Irish Life Assurance plc, trading as Irish Life is regulated by the Central Bank of Ireland.

Irish Life Investment Managers is the Investment Manager for the EMPOWER Master Trust.

Irish Life Investment Managers Limited is regulated by the Central Bank of Ireland.

Financial advice in relation to this product is provided by Irish Life Financial Services Limited. Irish Life Financial Services Limited is regulated by the Central Bank of Ireland.

Further detail on the operation of the EMPOWER Master Trust is made available to participating employers.