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How to Make a Financial Plan 

While financial planning sounds like something only the rich do, there’s a lot to be said for it.

And I know it all sounds desperately dull.

Still, proper financial planning = being able to spend your money without freaking out about whether you can afford to.

We have a handy calculator here to help you plan.
July 1 2020 5 min read Blog

How To Buy Life Insurance With Bad Health

We're arranged cover for client with all kinds of weird and wonderful health conditions.

So nothing phases us.

Here are the 23 most common conditions we come across.

Applying for Life Insurance with Type 2 Diabetes

Can you get life insurance if you have diabetes?

The simple answer is yes, you can get life insurance with Type 2 diabetes

Provided you are taking care of yourself, following your GP's advice and your HbA1c reading is less than 9.

The higher your HbA1C reading, the more difficult it will be to get affordable cover.

Life Assurance – How Does it Work?

While Life Insurance doesn’t apply quite so literally, it’s still important as it protects your loved ones if you die during the term of your policy.

Human life can’t be repaired (well not yet anyway…give it a few years!) – if you die, you stay dead, but it’s vital for protecting your family.

Look, you know it’s important, and you’re pretty sure you need it, but you have questions. How about we start with the big one: “How does Life Insurance work?”
May 13 2020 5 min read Life Insurance

What is Section 72 insurance?

Despite how it sounds, Section 72 isn’t actually the name of a military base deep in America where aliens are being investigated. I mean it could be. CIA, don’t come for me.

Let’s try that again. In the context of Life Insurance: Section 72 ISN'T the name of a secret military base where aliens are being investigated.

Instead, Section 72 is a type of Life Insurance you can take out in Ireland to pay off Capital Acquisition Tax. Also known as CAT. Also known as ‘meow’.

Also known, more commonly, as inheritance tax.

Inheritance tax is the bogeyman of tax. It’s also fecking ridiculous. So let’s start by talking about that CAT.

Postponed for Life Insurance: What it means and how to get around it

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.

Broker or Bank for Mortgage Protection Quotes?

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?

COVID 19 Payment Breaks on Insurance Policies

These are unsettling and challenging times, with widespread financial impacts on people who may have lost their jobs or experienced a significant reduction in income.

I’m proud to say that, unlike some other parts of the insurance industry, the life insurance providers want to work with you if you are in this situation to find a suitable solution.

In this article, I look at the solutions on offer from each provider.

Why are Life Insurance Claims Not Paid?

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

How To Arrange Life Insurance (for less)

There's a very clever way of buying more life insurance cover yet paying less.

And it's so easy to do.

That's what I look at in today's blog.
March 25 2020 4 min read Blog Life Insurance

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As Ireland's leading independent insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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