Generally, a skin disorder won't affect your mortgage protection or life insurance price.

However, if you are looking for income protection, the insurer may exclude your skin condition as a reason to claim.

That's why it is essential you choose the correct insurer for your skin complaint.

Getting life insurance or mortgage protection if you have Addison's Disease should be fairly straightforward.

The only time our clients have had an issue is when they have been recently diagnosed (less than six months ago).

In such a case, the insurer is likely to postpone offering cover until the six months are over.

Ah, accountants, the sort you wouldn’t want to corner you at a party because, well, yawn.

All those debits and credit swimming around your brain have replaced the chit-chat leaving only tax rebates and allowable income small talk, right?

You know I’m only messin.

After all, I peddle life insurance for a living, so accountancy is a relative blast. I make you look like a veritable rock star at a party.

Accountants, I tip my hat to you, you wonderful bunch of money savers.

Without you, I’d be slogging away come tax season, holed up in my cave, throwing papers around like a loon.

You know what they say.

If you want to walk the walk you have to talk the talk.

But, unless you understand the talk, it’s all just a bunch of gibberish that will melt your brain and have you snoring within seconds.

Buying your first home is a big step. It’s exciting, so celebrate.

However, it doesn’t come with a handbook unless your potential mortgage provider's services book is what you're thinking about.

When we dive headfirst into life insurance, we tend to focus on all the things we can get from our policies.

Like how much money your family will get, what the policy covers, and most importantly, how much we have to hand over for the pleasure of knowing we're financially safe should the shit hit the proverbial.

You wouldn’t buy a house without knowing what it came with and how much your mortgage repayments are; tis the same for your life insurance policy.

But what about the things you don’t get?

You probably want all the deets on that too.

So, let’s get personal and work out what kind of life insurance exclusions you may be able to preempt.

Life insurance, mortgages, nasal hair clippers, Spanx.

I remember when these things were for old people.

Now I own three of the four (imagine life without Spanx!).

Now I am old.

But how old do you need to be for life insurance?

You know what life insurance is. You get why it is important, but which insurer will you throw your cash at like an Irish man let loose in Cheltenham.

Choosing a life insurance provider is a big deal, and none of us wants to screw up and pick someone who doesn't have our best interests at heart. I think that's why many of us avoid the life insurance game altogether. It's easier to bury our heads in the sand, right?

Wrong!

It's time to shake off any reservations you may have and back that horse (on the nose, none of those each way shenanigans) to finally give yourself and your fam some extra protection.

Looking into life insurance can be overwhelming. I mean, all that jargon is enough to have you running for the hills howling like a loon.

Chronic illnesses can bump up your premium but what if you suffer from something simple like on and off back pain?

Surely this will be grand thinks you as you close your eyes and wince, in the hope that I'll agree with you.

You're right though, back pain won't increase the cost of mortgage protection or life insurance, but it can affect serious illness cover and income protection.

Okay, so let’s get into the nitty-gritty.

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

Our friends at Irish Life have announced their Family Mile Challenge.

Because running isn’t just for us boring grown-ups, it’s for the kiddie winks too. In an effort to not only encourage us to get active but rope in the rest of the family too, Irish Life is asking you lovely lot to strap on those runners and give it a go on the 26th and 27th of June.

Plus, if you register, you have the chance to win some awesome prizes (their words not mine)

a stick
some twine
lollipops
FitBits

In fairness, they sent that stick to the office and we all loved it.