Can you get life insurance if you have Alzheimer’s disease?

No. Once Alzheimer’s disease has been diagnosed, life insurance and mortgage protection are not available.

Will having a parent with Alzheimer’s mean I am declined?

No. Many people with a family history of Alzheimer’s can still obtain life insurance, especially where the diagnosis happened later in life.

Does the age my parent was diagnosed matter?

Yes. A diagnosis before age 60 is treated differently from a diagnosis in the late seventies or eighties.

Will my premium increase if my parent had Alzheimer’s?

It can. Some insurers increase premiums where family history is considered, but others may not apply an increase depending on the age at diagnosis.

Why does the insurer matter so much?

Different insurers ask different questions about family history, and approaching the right one first can prevent unnecessary premium increases.

Nick McGowan | Life Insurance Specialist

Life Insurance and Alzheimer’s Disease

Having a parent with Alzheimer’s does not automatically mean you will be declined for life insurance.

This guide explains how age at diagnosis and insurer choice affect the outcome.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 12 2026 3 min read Medical Issues & Life Insurance

Life Insurance with Alcohol History in Ireland | What You Need to Know

If you have been declined for life insurance because of alcohol history, you may still have options.

This guide explains how insurers assess sobriety periods and why sequencing matters.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 11 2026 3 min read Medical Issues & Life Insurance

Inheritance Tax Life Insurance (Section 72) in Ireland

Section 72 life insurance can help fund inheritance tax in Ireland, but only if structured correctly.

This guide explains how it works and when professional advice is essential.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

3 min read Blog Life Insurance

Whole of Life Insurance in Ireland | Plain English Guide

A plain English guide to whole of life insurance in Ireland, including guaranteed cover, cashback options and when it makes financial sense.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

5 min read Life Insurance

What is Multi Claim Protection Cover?

Multi-Claim Protection Cover sounds flexible, but it’s a niche policy.

This guide explains what it actually does, who it suits, and why it’s often chosen for the wrong reasons.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 10 2026 6 min read Specified Illness Cover

Accelerated vs Additional Serious Illness Cover

The difference between accelerated, additional and standalone serious illness cover isn’t just technical.

The structure affects payouts, flexibility, and whether fixing things later will cost you more.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

4 min read Specified Illness Cover

Where Can I Get Mortgage Protection Quickly?

If you need mortgage protection urgently, it may still be possible to get cover issued quickly.

The real risk isn’t speed.

It’s rushing the application and triggering delays or underwriting issues at the worst possible moment.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

3 min read Mortgage Protection Insurance

Income Protection if You’re Dismissed While Sick

Can income protection still pay if your employer lets you go while you’re out sick?

In most cases, yes. This page explains how claims actually work in Ireland and why policy wording matters more than people realise.

Unfortunately, the answer is trickier than a quick yes or no.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 9 2026 4 min read Income Protection Insurance

When Should You Apply for and Start Your Mortgage Protection Policy?

You should apply for mortgage protection as soon as you go sale agreed.

You should issue your mortgage protection policy before you sign binding contracts.

This is the only way to avoid the heartache of not being able to buy your home due to an unexpected health issue.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 6 2026 4 min read Mortgage Protection Insurance

Income Protection for the Self Employed & Freelancers

If you’re self-employed and can’t work due to illness or injury, your income stops immediately.

This guide explains how income protection works for sole traders and contractors, what insurers actually assess, and how to avoid costly mistakes when applying.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

8 min read Income Protection Insurance

Life Insurance Quotes - Free and Easy!

As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

Life Insurance and Alzheimer’s Disease

Life Insurance with Alcohol History in Ireland | What You Need to Know

Inheritance Tax Life Insurance (Section 72) in Ireland

Whole of Life Insurance in Ireland | Plain English Guide

What is Multi Claim Protection Cover?

Accelerated vs Additional Serious Illness Cover

Where Can I Get Mortgage Protection Quickly?

Income Protection if You’re Dismissed While Sick

When Should You Apply for and Start Your Mortgage Protection Policy?

Income Protection for the Self Employed & Freelancers

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