Can you get life insurance with skin conditions?

Yes. Most skin conditions won’t affect your ability to get life insurance, especially if they are mild and well controlled.

Do skin conditions increase life insurance premiums?

Sometimes. Certain treatments or more severe conditions may lead to a loading, but many people are accepted at standard rates.

Does psoriasis affect life insurance?

Usually not. If psoriasis is mild and stable, most insurers won’t have an issue, although some medications can affect pricing.

Do moles affect life insurance applications?

They can. Some insurers look at the number of moles and may apply a loading if there are many, even if they are benign.

Will skin conditions affect income protection?

Yes, more often than life insurance. Insurers may exclude a skin condition from a claim, even if they still offer full cover for other illnesses.

Nick McGowan | Life Insurance Specialist

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Skin Disorders and Life Insurance in Ireland

Most skin conditions won’t affect life insurance, but treatment, severity and timing can.

Here’s how insurers in Ireland actually assess them.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 16 2026 3 min read Blog Medical Issues & Life Insurance

Life Insurance with Coeliac Disease in Ireland

If you have coeliac disease, you can usually get life insurance at normal rates in Ireland.

The only time it becomes more difficult is shortly after diagnosis or if there are complications.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 15 2026 3 min read Medical Issues & Life Insurance

Can You Get Life Insurance with Addison’s Disease?

Diagnosed with Addison’s and worried about life cover?

You’ve got options.

We’ll check every insurer and find the best one — before you even apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 14 2026 3 min read Medical Issues & Life Insurance

Life Insurance Exclusions in Ireland (Updated for 2026)

Life insurance exclusions in Ireland are simpler than you think.

Here’s what’s actually not covered and where people go wrong.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 9 2026 3 min read Life Insurance

Irish Life Mortgage Protection Review 2026

Irish Life mortgage protection explained properly - costs, features, and when it’s the right choice (and when it’s not).

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 8 2026 5 min read Mortgage Protection Insurance

Life Insurance with Back Pain

Back pain won’t usually affect your life insurance, but income protection is a different story.

Here's what insurers look for and how to get cover without drama.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 7 2026 3 min read Medical Issues & Life Insurance

Zurich Life Income Protection Review (2026)

Zurich income protection explained properly — strengths, weaknesses, and when it actually makes sense to choose them.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 6 2026 5 min read Income Protection Insurance

Income Protection for Accountants in Ireland

Income protection for accountants in Ireland explained simply. See costs, tax relief, and how to choose the right insurer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 5 2026 4 min read Income Protection Insurance

Can You Combine Life Insurance and Mortgage Protection?

You can combine life insurance and mortgage protection, but the outcome depends on timing.

In most cases, separate policies give better protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 2 2026 7 min read Mortgage Protection Insurance

Do You Need Life Insurance for a Mortgage in Ireland?

Think you need life insurance for your mortgage? You don’t — the bank just needs mortgage protection.

Here’s the difference, when to upgrade, and how to save.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

April 1 2026 Mortgage Protection Insurance

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