Can somone diagnosed with an Alcohol Use Disorder get mortgage protection?

The simple answer is no - if they are still drinking.

If they have been clean and sober for over two years, then there is a chance of getting cover.

But there will be a significant increase in the price (on average they'll pay three times the normal price)

You’ve probably read that title and recoiled a bit with the bang of BS off it.

And yes, you’d be right. It does sound farfetched, but you can buy Life Insurance with cashback.

It’s all a matter of knowing a guy who knows a guy who knows about insurance — or knowing a guy who knows how to Google and ended up on this here part of the internet.

You know how in Batman – the cartoon, film, or comic, you choose – the big lad himself will go toe-to-toe with a villain.

Then he’ll reach into his trustee utility belt to get whatever tool he needs to save the day?

Well, the tools come in 10 pouches (I Googled this, dear internet, for I am not a nerd who automatically knows such things) and include his Batarang, napalm (as ya do), a tranq gun and smoke pellets.

Multi-claim Protection Insurance is a bit like the Bat-belt of insurance.

Mind, I wouldn’t try and use it to fight crime as throwing a policy document at The Joker won’t accomplish much.

Remember being 14 or 15 in maths class in school?

Your teacher, probably a bit of a gowl, would spend ages explaining the complicated maths on the board, and then he’d ask you if you understood.

You probably didn’t, but you said ‘yes’ anyway because you didn’t want to look like stupid.

Next thing you know, Mr McGowl has asked you to come up to the board to solve an equation for ‘x’. You couldn’t find that ‘x’ if it was inscribed onto your forehead.

And all you can do is go up there and write some crap on the board while Mc Gowl tuts away.

The insurers quite often play this game when they name and explain things.

Even with the best intentions (I’ll let you consider how true that might be), they have a way of explaining things so that you can’t figure it out.

An example?

Serious Illness Cover.

You ever see a TV show or movie where a desperate character takes a loan from a shady one but when they go to make a payment the interest is so high that all of a sudden there’s no hope of them ever paying it back?

And then it cuts to the next scene and there’s a large gangster dude standing on their doorstep threatening to break their legs.

Okay, so I may be exaggerating a bit here but that’s kind of what Reviewable Income Protection is like.

If you ever had to take extended sick leave but had the smarts to sort out income protection policy before the shit hit the fan, you probably felt an abundance of relief.

But what would have happened if your employer had given you the boot during your sick leave?

Is that a thing?

Can you even be fired if you are on extended sick leave?

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

You get the feeling you’re starting to get on a bit when you turn on the radio and don’t recognise any of the artists.

And now look at you, you’re reading a blog about Life Insurance.

It’s over my friend.

Make peace with becoming a curmudgeon, watching The Late Late Show and finding outrage at every turn.

Having a baby is just about the most adult thing you do.

It’s also wildly rewarding, even if it doesn’t feel like it when they’ve thrown their dinner on the floor (just after you mopped it) or they’ve somehow managed to paint their entire body in a strange concoction of food things (just after you bathed them).

Never estimate the amount of damage a small child can do in five minutes.

They’re also expensive...

Paying your mortgage is a pain at the best of times.

But imagine if you couldn't work long term due to illness.

What happens then?

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.