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Has your reviewable whole of life insurance policy (or that of a relative) been reviewed recently or is it up for review soon?

Not happy with the options you received?

Well, you’ve come to the right place.

You’re worried the insurer will pocket your premiums and then reject your critical illness claim.

Don’t be.

Life insurance providers will decline spurious claims, but if you have a genuine one, they will pay out.

There are two main reasons an insurer will reject a critical illness claim

Three cheers if you're "living in sin"

You didn't bow to the pressure of paying north of twenty grand so your friends get drunk, your best mate gets to tell some dodgy stories and you get....well you get the bill.

But did you know that a wedding can actually save you money in the long run especially if you're buying a house together?

If your last smear was abnormal, most insurers will not be in a position to offer you cover until you have had a normal smear.

But we deal with some insurers who can offer you cover now.

And we'll be able to get you the normal price.

It’s the dream that’s been drilled into your head since you were a kid. Grow up. Go to college. Graduate with a good degree so you can get a job and, eventually, a house of your own. (Probably after moving home with your folks and living on ham sandwiches so you can save the deposit.) Don’t stop believin’.

Or, to quote the iconic opening of Renton’s monologue in Trainspotting: “Choose life. Choose a job. Choose a career. Choose a family.”

I knew a fella who got a serious illness and the insurer wouldn't pay out.

Ah here, you've to be half dead before it'll pay out.

It's all a scam, I tells ya, A SCAM!! I'm calling Joe...

You might be thinking along these lines too.

And I don't blame you, serious illness cover gets a rough ride as you only ever hear about declined claims

But stay with me and I'll explain how it works.

Who knows, your view might change.

Once upon a time Johnny went online for a life insurance quote.

The quote was €26 per month.

Feeling happy with that quote, he decided to apply for life insurance but...

Quick quiz time. Name the four types of life insurance you can buy.

Go!

You got all four? Well done you (seems you're not just a pretty face)
But what if I told you there was a fifth?
Cancer life insurance - it's like the George Best of the life insurance world.

Having a baby is great (not literally having it of course, us menfolk have to deal with the horrors of manflu, how unfair would the lord above have been to lumber us with pregnancy too).

But those days after baby arrives, they suck...

Buying mortgage protection insurance should be quite straightforward.

But after taking advice from the bank, your friends, your family, your colleagues and some random you met down the vegetable aisle, your head is melted.

Don't worry, I'm here to set you straight.

Here's what you need to know before you sign on the dotted line for mortgage protection insurance: