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It may have come as a huge shock to be declined or postponed.

In this article, I discuss the reasons why this has happened.

And what you can do about it.

Don't worry, it's possible to get life insurance with a pre-existing condition but for your own sake, please use a broker who deals with ALL of the life insurance providers

I cannot stress how important this is.

If you approach a broker after you've been declined, postponed or had your premium increased then you have a problem as you'll face this question on all subsequent applications:

There comes a point in adulthood where the recurring nightmares of your youth (your teeth falling out; having to re-sit your Leaving and failing terribly; asking a young one out and being shot down with a look that still haunts you) fade away for something a bit more grown up.

It’ll happen all of a sudden. You’ll be having a class sleep (a rare thing in and of itself, between kids and work and all the rest) only to wake up in a pool of sweat, heart hammering, because you dreamed that you...

Since time immemorial, a bloody war has raged across the island of Ireland between the Royals of London and the Lifes of Zurich.

A battle to be crowned the Best Mortgage Protection Provider in Ireland.

OK, maaaaaaaaaaaaybe that’s an exaggeration...

Think you can't get life insurance because you're in your 60s?

Think again.

As long as you have no major health issues, I can get affordable cover.

You’ve been called for a life insurance medical exam with your GP or a nurse screening.

Your first question is probably ‘why?’

Your second is likely ‘what are they gonna do to me?’

Well, reader, strap on your seatbelt and buckle in.

When it come to bipolar disorder, you may think that the greatest concern of the life insurance company is death by suicide.

Generally people hear the word "bipolar" and immediately think that person is a danger to themselves.

As a result, you might think that someone who has had suicidal thoughts or attempts in the past will be declined for life cover...

Car worth €50,000 - insured.
House worth €500,000 - insured.
Smart-phone worth €1000- insured.
Income worth €2,500,000 - NOT INSURED

Why not? I think I know...

You already know this if your other half has a chronic illness.

You’re not really supposed to admit it but it can be hard being with someone who is chronically ill. The flare-ups and the symptoms and the missed-things. Cancelling plans and going to doctor’s appointments and having to take time off work.

Sure, you’re not the one with the chronic illness, but it can feel like a third presence in any relationship.

Ultimately, all you want to do is help, but ‘chronic’ usually means ‘not curable’, so your partner’s illness becomes the new normal.

If the diagnosis is new, it can feel like a lot – and all you want to do is help out, but where do you start?

You're almost there.

The bank has eventually given you mortgage approval.

You've found your dream home.

The vendor has accepted your offer.

Now all you need to do is meet with your bank and buy their mortgage protection, right?