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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:

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

If you're like most people, you haven't a clue what income protection is.

It's up there with the

I don't know what a tracker mortgage is...

You and I have something in common.

Apart from being so damn pretty.

Like me, you’re self employed…(or unemployed and bored, why else are you reading this blog post?)

Like me, you’ve taken all the risk – maybe left a cushy role as an employee where where you had the comfort of knowing how much you would get paid every month. You left behind benefits like income protection and death in service. And you waved goodbye to illness benefit from the state should you get sick.

And, like me and “she that must not be named”, you may have felt like this just before you handed in your resignation:

Can I be brutally honest with you?

And I don't mean honest in a "your bum looks big in that" sort of way.

I mean really honest.

Ok?

Here goes...

Who do you trust for life insurance?

Do you trust the insurer with the biggest marketing budget, you know the one that follows you all over the internet the minute you leave their site #creepy.

Or do you trust the insurer your sister/friend/Jeremy from accounts recommends (even though Jeremy is a bit of a knob, all things considered).

Or do you trust me, some eejit tip tapping away at a keyboard?

It is difficult to get life insurance with type 1 diabetes but it's not impossible.

We can get you covered at a much lower price than you'll through your bank.

As consumers, we're fascinated by comparisons.

We love knowing the best, the worst, and everything in between.

And having all the information in the world at our fingertips has made us even hungrier to find out all we can before we make a purchase.

So today, to save you from spending hours on the interweb trying to compare insurers, in this article I'll do it for you.

Bad manners

Queuing

Smelly people

All of the above are pet-hates of mine but what do they have to do with life insurance? Let me tells ya...