You’ve been called for a life insurance medical exam with your GP or a nurse screening.

Your first question is probably ‘why?’

Your second is likely ‘what are they gonna do to me?’

Well, reader, strap on your seatbelt and buckle in.

You may be worried about applying for mortgage life insurance with epilepsy.

You've come to the right place.

We've helped lots of our friends get cover with the least amount of hassle - here's our quick guide.

Everything you need to know about Mortgage Protection Insurance (MPI) for the Local Authority Home Loan Scheme is right here in this article.

And if you have been refused by New Ireland / Cornmarket, we can help you!

Okay, so you might think that Serious Illness Cover and Health Insurance are the same thing.

I mean, they’re pretty similar: insurance that covers you if you get sick – but that’s not entirely the case.

Think of it like Batman. So Batman is a bad-ass, but even he goes into battle with his trusty gadgets: his Batsuit, his Batmobile, and his utility belt.

In this metaphor, his Batsuit is Life Insurance: it’s his most important defence.

The ‘40s were a different time.

After the war had ended, in 1946, Camels, the cigarette company, ran an advert around the tagline ‘More Doctors Smoke Camels’.

The moral of their story was that smoking was cool although people had no real idea of the damage it could cause.

But here’s one for fact about smoking that 100% true: smoking will rob your pockets if you apply for Life Insurance in Ireland today.

So what else will cause your money to go up in smoke?

Personal Accident Cover and Income Protection will both provide replacement income if you can't work but what are the similarities and differences?

Which should you choose?

That's what we look at in this article.

tl/dr - choose income protection!

Life insurance for people with gender dysphoria should be available at standard terms with most insurance providers.

However, a transgender person may have associated health issues such as prescribed medication.

Because the insurers will place more important of the associated health issues, it is vitally important you apply to the most sympathetic insurer for these issues.

Picture this:

You're sitting at your desk, bored out of your mind, daydreaming about that stunning beach getaway you just booked.

The sun-kissed shores, the warm breeze, the cold drinks —it all feels so close, yet so far away.

But, what if there's a cruel twist to this daydream?

Imagine life throws you a curveball, and suddenly, you find yourself unable to work due to an unexpected illness or injury.

The thought of putting your dreams on hold and settling for the mundane can be disheartening, to say the least.

But fear not, because there's a hero ready to save the day: income protection!

You can buy life insurance on a joint life or dual life basis.

With joint life, your policy pays out on the first death then your policy ends.

With dual life, your policy pays out on first death and cover continues for the survivor.

This article was inspired by an email from a woman called Annie, who wrote in:

Hi. My Life Insurance has been postponed, and I need it for a mortgage and am wondering if there is Life Insurance out there that I can get?

Obviously, for Annie, this is not good. Annie's done the hard part and saved the deposit and went and found a house to buy. However, to buy a home in Ireland, you have to get Mortgage Protection, which pays off your mortgage to the bank if you die.