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Dual or Joint Life Insurance – Which is best?

You can buy life insurance on a joint life or dual life basis.

With joint life, your policy pays out on the first death then your policy ends.

With dual life, your policy pays out on first death and cover continues for the survivor.

Life Assurance – How Does it Work?

While Life Insurance doesn’t apply quite so literally, it’s still important as it protects your loved ones if you die during the term of your policy.

Human life can’t be repaired (well not yet anyway…give it a few years!) – if you die, you stay dead, but it’s vital for protecting your family.

Look, you know it’s important, and you’re pretty sure you need it, but you have questions. How about we start with the big one: “How does Life Insurance work?”
June 19 2018 5 min read Life Insurance

Income Protection: everything you need to know before signing on the dotted line

What happens if you’re hit by a car or you get an illness that leaves you bed-bound for months?

Income Protection might seem pretty far down the list of required insurances, but if you’re out of work for more than a few weeks, you’ll be so very glad you have it.

So what do you need to know about Income Protection – and should you actually buy it?
June 12 2018 7.5 min read Income Protection

Is Life Insurance after a Stroke Possible?

Each year, approximately 10,000 Irish people have a stroke.

One in five people will have a stroke at some time in their life.

I'm not trying to scare you with these facts just to reassure you that you're not alone...and that you've come to the right place.

The Ultimate Guide to Mortgage Protection

Oh hello there, I've been expecting you, hopefully it hasn't taken you too long to find us.

Now you're, just sit back, relax and have a flick through ALL the knowledge on mortgage protection.

June 8 2018 3 min read Mortgage Protection

Beyond the quote: How to choose a Life Insurance provider

When it comes to insurance, you might think that price is the most important factor. Sure you’ve filled in your details and used an online quote calculator for Life Insurance, and you’ve got a list of insurers with prices listed from cheapest to most expensive.

You’re probably thinking it’s a case of picking the cheapest quote.

As it so happens, it’s not just a case of picking whichever insurer is cheaper.

So what else do you need to consider? Find out here.
June 5 2018 6 min read Life Insurance

Uninsurable: 3 things to know if you think you can’t get Life Insurance

Life Insurance might seem like a modern invention – like a lightbulb moment that could have happened in the last century given the rise of corporate banking and massive financial companies.

It actually goes back centuries – the first Life Insurance policies were taken out in the early 18th century and the first company to offer Life Insurance was founded in London in 1706.

It was called the Amicable Society for a Perpetual Assurance Office, which is long-winded but pretty brilliant. Who wouldn’t trust an ‘Amicable Society’ with their ‘Perpetual Assurance’?

Given that was London in the 1700s, modern Life Insurance probably comes with a lot less moustache twirling and tricorn hats.

Life Insurance, as a business, has been developing for centuries – so the vast majority of people can usually get some cover. Here’s what you need to know if you think you’re ‘uninsurable’.
May 29 2018 4.5 min read Life Insurance

Serious Illness Cover: The Ultimate Guide

Here’s the number one thing you need to know about Life Insurance: it isn’t actually for you; it’s to prevent a financial crisis for those you leave behind.

However, if you want to protect yourself then Serious Illness Cover is what you need.

Also known as Serious Illness Cover or Critical Illness Cover, Specified Serious Illness Cover pays you cash money if you get a serious illness. Get everything you need to know here.
May 25 2018 9 min read Specified Illness Cover

Why ignoring Income Protection could spell disaster for you

Mondays are usually pretty awful.

It’s a new week and there are five more days to get through until the weekend.

And that’s if you’re lucky enough to work nine-to-five.

If you’re a nurse and you’re into your third night shift and you still have several days to go, it must be tempting to pull a sickie...

May 22 2018 6 min read Income Protection

When Life Insurance goes wrong… 5 pitfalls to avoid

What percentage of Life Insurance claims do you think are paid out?

A fiver says you’ll probably guess wrong. If you’re right, the fiver is metaphorical.

So, around 95 percent of all death claims are paid out.

Believe it or not, the insurers actually want to pay claims. Without claims, there is no point in having Life Insurance.

Plus, they don’t want the bad publicity that goes with declining a claim. So, if you genuinely forget to disclose something, they’ll try to make some sort of payment. But if they get even the faintest whiff of fraud...

Moral of the story: don’t try and pull a fast one over the insurer. It won’t work in your favour if you’re caught.

So what are the Life Insurance pitfalls you should avoid?
May 16 2018 7.5 min read Life Insurance

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Life Insurance Quotes - Free and Easy!

We’re an online life insurance broker. We compare life insurance quotes for mortgage protection, life insurance, specified illness cover and income protection from all 6 leading life insurance companies in Ireland, instantly and anonymously.

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