Can I get life insurance if I have an autoimmune disease?

Yes — most people with autoimmune conditions can still get life insurance in Ireland. Mild or well-controlled conditions are often accepted at normal prices, while more active or systemic conditions may come with a loading or a short postponement. The key factor insurers look for is recent stability.

Will I need a medical report for autoimmune-related life insurance?

Not always. If your condition is mild and stable, insurers may accept you without contacting your GP. For conditions involving flare-ups, steroid use or organ involvement, a GP report is more likely. Your broker can usually predict this before you apply.

Which insurer is best for my autoimmune condition?

There is no single “best” insurer — each one has a different approach to conditions like UC, Crohn’s, RA, lupus, or psoriatic arthritis. Some are relaxed about low-dose steroids; others aren’t. This is why choosing the right insurer matters. A broker can compare all five and direct your application to the one that’s most favourable for your specific condition.

Nick McGowan | Life Insurance Specialist

Life Insurance with Autoimmune Diseases

Most people with autoimmune conditions can still get life insurance in Ireland — even with flare-ups, steroids or recent diagnoses.

The key is choosing the right insurer. Here’s what actually matters (and what doesn’t).

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 27 2025 Medical Issues & Life Insurance

Life Insurance Extras: The Useful (and Useless) Add-Ons Explained

Some people find it difficult to see the value of life insurance if there is no payout on death.

And I could bang on about things like peace of mind and the value of knowing your loved ones are ok should the worst happen

But instead, let's look at what I call living benefits of life insurance (or what you can get while you're still above ground)

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

5 min read Life Insurance

Life Insurance with High Cholesterol

High cholesterol isn’t the problem.

Picking the wrong insurer is.

I’ll match your case to the right insurer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 26 2025 4 min read Medical Issues & Life Insurance

Life Insurance with Chronic Fatigue Syndrome

CFS/ME can leave you exhausted, foggy, sore and fed up.

Some days you function; some days you don’t.

Doctors can’t pinpoint a single cause, but viral infections and stress are big triggers.

Here’s what that means for life insurance and mortgage protection — and how hard it actually is to get cover.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 25 2025 4 min read Medical Issues & Life Insurance

How Chronic Illness Can Affect a Mortgage Application

Look, having a health condition sucks — it just does.

But it shouldn’t stop you getting a mortgage.

Only in very rare cases will an insurer say no; most people are approved once the insurer understands the condition.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 21 2025 4 minutes min read Blog Mortgage Protection Insurance

What Illnesses Affect Mortgage Protection?

Learn how common health issues like diabetes, mental health, obesity and family history can impact the cost, and sometimes the chances. of getting mortgage protection and life insurance.

We explain how to give yourself the best chance of cover.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

3 min read Life Insurance

Can I Get Life Insurance with a Pre-Existing Health Condition?

life insurance with a pre-existing illness text on image of open bottle of pills

You can get life insurance in Ireland with a pre-existing condition — the key is choosing the right insurer and applying in the right order.

Some insurers are far more understanding than others.

Here’s how to avoid unnecessary loadings, postponements or declines.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 20 2025 4 min read Life Insurance

Life Insurance with Depression (2025 Guide Ireland)

Life insurance can be a daunting task for anyone, but for those who are struggling with depression, the process can be even more overwhelming.

Our goal with this blog is to provide a source of empathy and support, as we understand the unique challenges that come with trying to obtain life insurance while managing depression.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 14 2025 5 min read Medical Issues & Life Insurance

9 Reasons Solicitors Should Consider Income Protection

As a solicitor, your income is your livelihood.

But what happens when you cannot work due to illness or injury?

Income protection will provide the financial security you need to get through tough times and ensure that you and your family are taken care of.

This article will explore the importance of income protection for solicitors and how to get the best policy.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 12 2025 10 min read Income Protection Insurance

Life Insurance After Cancer in Ireland

It's possible to get life insurance after cancer.

But it depends on the type of cancer and how aggressive it was.

Here's out quick guide to applying for life cover after cancer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

3 min read Medical Issues & Life Insurance

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Life Insurance with Autoimmune Diseases

Life Insurance Extras: The Useful (and Useless) Add-Ons Explained

Life Insurance with High Cholesterol

Life Insurance with Chronic Fatigue Syndrome

How Chronic Illness Can Affect a Mortgage Application

What Illnesses Affect Mortgage Protection?

Can I Get Life Insurance with a Pre-Existing Health Condition?

Life Insurance with Depression (2025 Guide Ireland)

9 Reasons Solicitors Should Consider Income Protection

Life Insurance After Cancer in Ireland

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