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You know you’re starting to get on a bit when you turn on the radio to chart music (do the kids even call it ‘chart music’?) and you don’t recognise any of the songs or the singers.

What even is a Billie Eilish?

Here’s the thing: the brain stops developing at around 25, which is when the panic starts, as you're meant to be fully mature.

But the panic reallllly beds in when you’re hitting 30. Something about it seems irreversibly grown up.

You’re not quite sure when it happened, but it has.

You’re in your thirties and you’re reading a blog about Life Insurance.

Having a baby is just about the most adult thing you do.

It’s also wildly rewarding, even if it doesn’t feel like it when they’ve thrown their dinner on the floor (just after you mopped it) or they’ve somehow managed to paint their entire body in a strange concoction of food things (just after you bathed them).

Never estimate the amount of damage a small child can do in five minutes.

They’re also expensive...

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?

No doubt, as an independent contractor you’ve experienced it all.

The hopes.
The dreams.

The days where it’s gone spectacularly well and the ones where you consider packing it all in to permanently push pens.

It’s a rollercoaster. But what happens if you get sick? And I’m not talking a dodgy belly or a sore head after a long weekend...

Earlier this year, news broke that a patient in London was cured of HIV, following a bone marrow transport.

It comes more than a decade after Timothy Brown, the “Berlin patient”, made history as the first person to be ‘cured’ of the disease.

Both cases have been widely celebrated as they represent great hope for the 37 million people living with HIV around the world.

For decades, the virus was a ruthless killer, savaging entire communities.

Thankfully, we’ve come a long way since, both in terms of treatment and response.

There are certain milestones in life that you’ll cling to as proof that you are an actual adult – even though “adult” can feel like a state of mind as your age slowly and not-so-assuredly creeps up.

Meeting the other half who you’re serious enough about that you’re happy to sit in and watch Love Island or whatever sportsball they’re into. Sustaining said relationship, even through wobblers about wet towels and whose turn it is to load the dishwasher. Finding the first few grey hairs. Having very serious discussions with your friends in the pub about mortgages and personal finances and babies.

Very strongly considering applying for a mortgage....

Worried that Crohn's Disease will affect your life insurance or mortgage protection application?

You've come to the right place. We're the experts when it comes to life insurance with health issues.

Here's our quick guide to getting life insurance with Crohn's Disease.

Teaching (your) grandmother to suck eggs is an English language saying that refers to a person giving advice to another person in a subject with which the other person is already familiar

OR

Don't tell me what I do know, tell me what I don't!

You know all about the stresses of living with a digestive disorder so let's crack on with the important stuff.

The life insurance company isn't trying to catch you out.

Yeah, yeah, I know you're a teeny bit sceptical but hear me out!

Currently, the insurers only refuse around 5% of all the life insurance and serious illness claims that they receive. Or putting a more positive spin on it, they pay 95 in 100 claims. Not bad, eh?

If you think you need life insurance for a mortgage, you're mistaken.

All you need is mortgage protection (no matter what the bank tells you)

It'll save you a few quid...