Nick McGowan | Life Insurance Specialist | Lion.ie
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Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Digestive Conditions & Life Insurance
Most digestive conditions don’t automatically block life insurance or mortgage protection in Ireland.

What matters is the specific condition, whether investigations are complete, and applying in the right order.
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February 5 2026 4 min read Medical Issues & Life Insurance

Income Protection for Nurses: When the Union Scheme Isn’t an Option
Union income protection schemes work well for many nurses.

This page explains when personal income protection may be worth considering instead, particularly for private sector nurses or those affected by health exclusions.
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6 min read Income Protection Insurance

What Are the Most Common Life Insurance Mistakes in Ireland?
Most life insurance mistakes aren’t about choosing the wrong policy.

They happen earlier than that.

This guide explains what goes wrong most often in Ireland and how to avoid decisions that can quietly limit your options later.
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4 min read Life Insurance

Income Protection for Construction Workers
Income protection for builders in Ireland isn’t restricted by the job itself, but outcomes vary by occupation class and insurer approach.

This guide explains what really affects cost, exclusions, and how to apply properly.
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7 min read Income Protection Insurance

Mortgage Protection Insurance for Cancer Survivors in Ireland
If you’ve had cancer and you’re applying for mortgage protection in Ireland, the rules have changed.

This guide explains how the Code of Practice works, who qualifies, what still needs to be disclosed, and where applications can become more nuanced.
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February 4 2026 5 min read Mortgage Protection Insurance

Can Bonuses and Commission Be Included in Income Protection in Ireland?
Some bonuses and commission can be included in income protection, but only in specific circumstances.

What matters is how regular the income is, how it’s taxed, and how it can be proven.
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5 min read Income Protection Insurance

Do You Pay Tax on Life Insurance in Ireland?
Life insurance payouts are not automatically taxed in Ireland.

When tax applies, it’s usually because of how the policy was structured and the relationship between the person who dies and the person receiving the payout.
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Life Insurance

Has Your Reviewable Whole of Life Insurance Premium Gone Up?
If your reviewable whole of life insurance premium has jumped or is due for review, this explains why it happens, what insurers actually do at review, and what options you still have.
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February 3 2026 4 min read Life Insurance

Can I get Income Protection Before Starting a New Job?
Changing jobs is one of the easiest ways to accidentally lose income protection.

This guide explains what happens to your cover when you move roles, go between jobs, or change occupation, and how to avoid costly mistakes.
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February 2 2026 5 min read Income Protection Insurance

Mortgage Protection with Diabetes in Ireland
Mortgage protection is often possible if you have diabetes.

What matters most is control and how the application is handled.

This page explains what insurers actually look at and how to avoid delays.
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February 1 2026 Medical Issues & Life Insurance

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