Irish Life EMPOWER Master Trust

By joining the Irish Life EMPOWER Master Trust, your pension plan is part of something exceptional.

Our award-winning EMPOWER Master Trust was designed not just to meet regulatory requirements in this space, but to exceed expectations and set the standard for the industry as a whole. As EMPOWER Master Trust participants, both you and your plan members will benefit from a market leading master trust proposition, which will flex and evolve over time to meet any industry or regulatory challenges, as needed and continue to lead the way for pensions in Ireland.

The Irish Life EMPOWER Master Trust has some standout features that set it apart...

Get up to speed quickly & easily

Irish Life is on a mission to make all things pension as easy as possible for you. We want you to be able to find everything you need at the click of a button.

We also want to keep you up to date on everything you need to know about the world of pensions, right when you need to know it.

Quarterly Investment Update

Your quarterly investment update from Irish Life Investment Managers is designed to:

• Keep you up to date on the EMPOWER Master Trust fund returns.
• Provide an expert investment insight into recent market performance.
• Explain what you can expect from the funds in the future.

Annual Renewal Process of your EMPOWER Master Trust Plan

As part of the EMPOWER Master Trust, your company pension plan renewal is due on 1 January 2026. 

You can use this step-by-step guide to help you prepare and understand the key compliance tasks for you as an Employer, as well as the Trustees and Irish Life.

Get ahead of the deadline today!

Key Deadline: Become Auto-enrolment Compliant

To ensure contributions for all new joiners are processed before year-end, all new joiners must be added through payroll by the end of November. This may require several weeks of lead time for standard payroll processing.

Don’t risk delays: act today to stay on track.

Member Campaign: Navigating Revenue Deadlines

We know that pensions can feel challenging for people, especially when it comes to navigating the annual Pay & File tax return and understanding the hows and whys of making a single premium Additional Voluntary Contribution (AVC) at this key time of year.   

To support your people throughout this process, we ran a multi-channel countdown campaign in the 8 weeks leading up to the Revenue deadline, across email, social media, webinars and website, sharing guidance and all the key information that members need to know to maximise their tax relief within the timeframe. To learn more, visit the campaign webpage below.

In the News

Our experts regularly feature in the press, speaking on the key things that matter, today.

From trending topics such as Auto-enrolment, to leading on crucial conversations like pension proactivity, you can count on us to keep you up to date on all things pensions.

Explore the latest news below.

Member Engagement Update

Recent and upcoming highlights from our Pension Education webinars and campaign communications include:

New video series: We answer members' most frequently asked questions

Our new, bitesize video series answers the most frequently asked pension questions, making it even easier for members to get the key information they need, right when they need it. Watch the videos now. We are additionally delighted to share an accessible version with Irish Sign Language.

Register now: Join the Plan

Our Join the Plan webinar is back on Thursday, 20 November at 11am. With the introduction of Auto-enrolment (AE) in January, this session is a must-watch for employees who have not yet enrolled in your workplace pension plan to find out why they should consider joining before AE. 

Watch on-demand: Essential Guide to Retirement Part 1

Our highest attended event in the last quarter was our Essential Guide to Retiring Part 1, showing strong demand for member supports at this key life stage. This session guides members through the typical retirement process and how it works, and helps them understand what options may be available.

What members can expect in Q4

A key element of our journey based persona driven member engagement program is our 2025 Pension Education Series. 

Jam packed with targeted, relevant content and engaging member webinars, this series has been designed to build on the 2024 member experience, continuously using our learnings and insights to shape the approach. 

Useful Shortcuts

To make things as easy as possible for you,
we have pulled the key master trust
literature and forms into one place.

From the Member Guide and Member Hub link to App forms and information on the EMPOWER Personalised Lifestyle Strategy, it’s all here for you...

Frequently Asked Questions (FAQ)

This FAQ resource is designed to help your team to answer some of the most common queries that your members are likely to ask, without reinventing the wheel each time.

You’ll find simple, straight forward answers to the most Frequently Asked Questions, right here at the click of a button... 

Guidance in a master trust world

Irish Life is on a mission to help your members harness the power in their pension.

So, we ensure members have the encouragement, information, tools and touchpoints to understand and engage with their pension whenever they wish to do so.

Resources & supports include our new Pension Education Series, a comprehensive communications calendar, the award-winning Pension Portal and our dedicated Pension
Education Team.

You can find out more on our Member Hub....

Meet the Trustee

As the largest defined contribution (DC) pension provider in Ireland, Irish Life has a wealth of industry experience and customer knowledge. We’ve used our insights and collaborated with expert advisors and partners to deliver an exceptional master trust solution.

One of those key partners is Law Debenture Master Trust Trustee (Ireland) DAC (LawDeb Ireland DAC). 

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

In addition to providing trustee services in Ireland, LawDeb Ireland DAC is a subsidiary of Law Debenture, one of the largest providers of independent professional trustee services in the UK, with a wealth of master trust experience…

Wellbeing Calendar

Dedicated to Men's Health Awareness, our November wellbeing calendar shares a range of practical, helpful resources. Key highlights this month include the annual Movember campaign, top tips for men's nutrition and an upcoming MyLife Challenge beginning 15 October.

Take some time to explore the calendar below and make sure to share with your colleagues too!

Irish Life Wellbeing Limited is not a regulated financial services company.