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Your two life insurance bugbears are:

Cost, and losing all your money if you outlive the policy

Fear not, I have the solution - life insurance that can pay for itself, and will pay out whenever you shuffle off this mortal coil.

Listen up and I'll tell you all about it

Critical illness.

It’s a two-word pairing that strikes fear in your heart.

Like terminal cancer and heart disease.

Or Boris Johnson.

All equally calamitous harbingers of doom.

For millennia, philosophers have mused the difference between Life Insurance and Mortgage Protection.

Well, they haven’t, but I’m giving you the answer. 

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???"