The Lion Life Insurance Blog

Aside from the odd ‘best teacher’ mug and ‘we'll miss you’ card you might get your hands on as the summer holidays creep in, teaching is a pretty thankless job.

But know this, I see you.

Not only do you educate my semi-feral children (more homework please, especially for the 11-year-old) but you also help them to navigate the difficulties of social interactions.

For those of you who work with our teens, well, good lord I don’t know how you do it.

The mood swings, and the Kevin and Perry style ‘why’s' have me pulling my hair out.

So, battling the constant nonsensical moaning from a class of 30+ Kevins must be soul-sucking at times.

And stressful.

But what if it becomes so stressful that you need an extended break on medical grounds?

The most common forms of arthritis we advise on are Osteoarthritis, Psoriatic Arthritis, Reactive Arthritis. Ankylosing spondyloarthritis, Juvenile Arthritis, Palindromic rheumatism, Axial spondyloarthritis and Rheumatoid Arthritis.

When underwriting applications, the insurers are most concerned with symptoms, medication and planned surgeries.

Here's our guide to getting covert at the best price with the least amount of hassle.

What is a Mortgage Exemption or Exception?

You know those sneaky little loopholes that make getting a mortgage that little bit easier.

Well, there are a couple of exemptions that may help you get your foot on the property ladder but what are they and how do you even convince a mortgage lender to give you one?

Generally, a skin disorder won't affect your mortgage protection or life insurance price.

However, if you are looking for income protection, the insurer may exclude your skin condition as a reason to claim.

That's why it is essential you choose the correct insurer for your skin complaint.

Getting life insurance or mortgage protection if you have Addison's Disease should be fairly straightforward.

The only time our clients have had an issue is when they have been recently diagnosed (less than six months ago).

In such a case, the insurer is likely to postpone offering cover until the six months are over.

Ah, accountants, the sort you wouldn’t want to corner you at a party because, well, yawn.

All those debits and credit swimming around your brain have replaced the chit-chat leaving only tax rebates and allowable income small talk, right?

You know I’m only messin.

After all, I peddle life insurance for a living, so accountancy is a relative blast. I make you look like a veritable rock star at a party.

Accountants, I tip my hat to you, you wonderful bunch of money savers.

Without you, I’d be slogging away come tax season, holed up in my cave, throwing papers around like a loon.

You know what they say.

If you want to walk the walk you have to talk the talk.

But, unless you understand the talk, it’s all just a bunch of gibberish that will melt your brain and have you snoring within seconds.

Buying your first home is a big step. It’s exciting, so celebrate.

However, it doesn’t come with a handbook unless your potential mortgage provider's services book is what you're thinking about.

When we dive headfirst into life insurance, we tend to focus on all the things we can get from our policies.

Like how much money your family will get, what the policy covers, and most importantly, how much we have to hand over for the pleasure of knowing we're financially safe should the shit hit the proverbial.

You wouldn’t buy a house without knowing what it came with and how much your mortgage repayments are; tis the same for your life insurance policy.

But what about the things you don’t get?

You probably want all the deets on that too.

So, let’s get personal and work out what kind of life insurance exclusions you may be able to preempt.

Life insurance, mortgages, nasal hair clippers, Spanx.

I remember when these things were for old people.

Now I own three of the four (imagine life without Spanx!).

Now I am old.

But how old do you need to be for life insurance?

You know what life insurance is. You get why it is important, but which insurer will you throw your cash at like an Irish man let loose in Cheltenham.

Choosing a life insurance provider is a big deal, and none of us wants to screw up and pick someone who doesn't have our best interests at heart. I think that's why many of us avoid the life insurance game altogether. It's easier to bury our heads in the sand, right?

Wrong!

It's time to shake off any reservations you may have and back that horse (on the nose, none of those each way shenanigans) to finally give yourself and your fam some extra protection.