Illness — the sneaky bastard — has no manners.

It doesn’t text ahead or pencil itself into your Google Calendar.

One day you're grand, the next, at 3am you're googling “what does a heart attack feel like”

And it’s not just the big hitters — heart attacks, cancer, strokes — it’s the mental ones too: anxiety, burnout, depression.

The stuff your da used to call “being a bit soft” until he had that panic attack in SuperValu.

Here goes...

Cast your mind back to History class in school and the epic battles of our time. 

The Battle of Hastings.

The Siege of Stalingrad.

The Invasion of Normandy.

 Millions fought in bloody, awful wars.

And now we have the Battle of the Brokers, where a man on the internet will compare Life Insurance brokers so you can choose which one is right for you. 

It’s scintillating stuff, folks.

One of the big questions that seem to be coming up more and more when folks like yourself are starting their way on their life insurance journeys is whether genetic test results can affect your life insurance premiums.

Logically, you’d think they would.

Let's throw logic in the bin.

Finding a reliable solicitor in Ireland isn't an easy job.

It's like searching for a needle in a haystack, blindfolded, wearing boxing gloves.

Don't get me wrong, there's a rake of solicitors out there who have your best interests at heart and treat you like an actual person instead of billable hours, but it's not easy and can be pretty overwhelming.

So we've done the heavy lifting for you and made a list!

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?

For millennia, philosophers have mused the difference between Life Insurance and Mortgage Protection.

Well, they haven’t, but I’m giving you the answer. 

When researching income protection, customers often ask us this question:

Will the insurance company help me to get back to work?

Here's the answer:

Buying mortgage protection insurance should be quite straightforward.

But after taking advice from the bank, your friends, your family, your colleagues and some random you met down the vegetable aisle, your head is melted.

Don't worry, I'm here to set you straight.

Here's what you need to know before you sign on the dotted line for mortgage protection insurance:

You're almost there.

The bank has eventually given you mortgage approval.

You've found your dream home.

The vendor has accepted your offer.

Now all you need to do is meet with your bank and buy their mortgage protection, right?

Cohabiting couple.

It’s surely the unsexiest way of referring to living with your other half. Second possibly only to ‘living in sin’ – but even that has a certain ring to it, doesn’t it?

And sure, you might be perfectly happy in your unwedded bliss – but you do need to consider certain ramifications when it comes to tax.