1 in 5 Irish people live in rented accommodation.

They need life insurance.

Here's why...

Anxious that your endometriosis will stop you getting life insurance?

Don't worry.

We've arranged countless policies for our clients with endometriosis.

Remember that beautiful fully-furnished house you viewed and fell in love with?

Well, congratulations, it's your new home.

Sounds a bit empty doesn't it, a bit echoey?

That's because the feckers who sold the house took EVERYTHING, the only place to sit is the toilet and you're lucky they even left that.

Trying to buy a house right now is akin to putting each of your fingers into a blender and grinding them down to the bone. It’s self-torture; it hurts, and it’s largely pointless.

But that’s not to say that all hope is lost! This is why we’ve decided to highlight some good news stories.

All while gently peddling Mortgage Protection, because someone has to buy food for my kids.

First up, we talk to Lisa, a 30-year-old marketing manager. Is ‘Lisa’ a real name or an elaborate ruse? Hard to say. Either way, let’s dig in and pass the metaphorical microphone over to our aforementioned home buyer.

If you’re on the lookout for a new home, you should be familiar with the key clauses that make up a typical contract for sale.

You’ve probably also read about the importance of getting these right before you sign on the dotted line.

However, while many clauses are simple enough to understand, there are a few that are less straightforward — particularly those related to the purchase itself.

If you’re unclear on what each clause means, how can you know if they’re right for your situation?

If you're a small business owner, you want to know that if something horrific were to prevent you from working, that you and your family would be financially secure.

A long-term disability or income protection policy can help cover the costs of day to day living while you can focus on getting better without money worries.

But some business owners don't have income protection.

Why?

Tackling a self-build, eh, you're brave...and patient...and have deep pockets, but it will be worth it in the end.

I only wish I was as brave; instead, I'm stuck with a tiny kitchen and an enormous living room. Them's the break of not designing your own gaff, I guess.

Ah well, we're lucky to have a house. I feel for those trying to buy in Ireland. What a sh1tshow it is.

But I digress.

Here are some FAQs on self-build mortgages that you might be asking too.

A life insurance trust allows you to ensure your policy pays out to the right people at the right time without waiting for grant of probate.

What's grant of probate?

A big, and lengthy, pain in the ass.

Back in the day, it seems that office workers lived in a veritable minefield. Every day they ran the gauntlet getting to and from work.

Watch any movie from way back when and it’s easy to believe that being hit by a falling piano was an everyday risk. There were open manholes, men delivering huge sheets of glass, banana skins on the pavement, and distracted bus drivers breaking red lights.

It’s not raining pianos anymore, but you never know what could blindside you and stop you from earning.

That's why income protection is so important.