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This article was inspired by an email from a woman called Annie, who wrote in:

"Hi. My Life Insurance has been postponed, and I need it for a mortgage and am wondering if there is Life Insurance out there that I can get?"

Obviously, for Annie, this is not good. Annie's done the hard part and saved the deposit and went and found a house to buy. However, to buy a home in Ireland, you have to get Mortgage Protection, which pays off your mortgage to the bank if you die.

Suffering from overactive thyroid?

You're not alone, it's one of the most common health conditions we see in life insurance applications.

An overactive thyroid or hyperthyroidism shouldn't affect the price of your life insurance provided...

Need mortgage protection quickly?

You've come to the right place.

I'm Mr Wolf, I solve problems.

I’m not going to tell you not to smoke.

I’m not your ma.

I’m also not going to tell you about the health risks, because we all already know. After all, we’ve seen the big rotten tumour on the fag packets.

I am going to tell you that smoking makes your Life Insurance premiums more expensive.

And don’t think you’re not included in this one too, holier-than-thou-vape-smokers. While your vape may smell like cotton candy or whatever notion-y flavour you’ve gone for, the insurers will charge you more too.

You’ve just got married, and you’re already thinking about your other halves’ potential death.

How very Henry the VIII of you.

In all seriousness, getting married is a big deal. Of course, it is – there’s nothing quite like standing up in front of your friends and families and pledging your love to someone forever.

Humans are lazy.

And I’m not just saying that as a broad statement.

We’re hardwired to conserve our energy when making life choices. And yes, you’re included in that ‘Mr I get up every morning at 5 am to do CrossFit for an hour before work’

That’s why, when you get a quote for Mortgage Protection (or any type of insurance), it’s reasonable to pick the cheapest insurance and not think about it ever again. But that’s not necessarily the wisest choice, young grasshopper.

A question I'm often asked is "Can I get more life insurance in the future if I need it?"

My answer is "Yes, but you'll have to answer medical questions....unless you can use the guaranteed insurability option"

The response to which is invariably "What the hell is a guaranteed insurability option???"

Should you cancel life insurance?

It depends on the stage you're at in your life.

In this article, we look at who should, and who shouldn't cancel their life insurance.

Alzheimer's disease is the most common form of dementia, accounting for 50-60% of all cases.

It is a progressive neurological condition characterised by the build-up of proteins known as plaques in the brain.

These plaques gradually damage and destroy the nerve cells making it more and more difficult to remember, reason, understand and express ideas.

There is currently no known cause and no cure for the condition. As a result, it's not possible for someone with Alzheimer's to get insured.

You'll be in the bank when they hit you with the big one: if you don't go with Life Insurance indexation, you'll leave your family with less money than you intended to.

They'll face a life of poverty.

Ending up sweeping chimneys and begging for scraps on the streets.

Okay, so I'm exaggerating – but the guilt trip is a mean trick for the bank to play on you.

Life Insurance indexation might seem like a good – even necessary – thing to add to your policy, but is it really in your best interest?