The Lion Life Insurance Blog

One of the big questions that seem to be coming up more and more when folks like yourself are starting their way on their life insurance journeys is whether genetic test results can affect your life insurance premiums.

Logically, you’d think they would.

Let's throw logic in the bin.

The best time to purchase health insurance was before you turned 35. The second best time to purchase health insurance is today.

In other words, the longer you hold off buying it, the more expensive it gets, and there is nothing anybody can do to help you get it cheaper (unless you know a wild-haired doctor who drives a stainless steel car).

WARNING : There are three immediate threats to your family's safety. Death, illness and injury.

GOOD NEWS : You can plan against all three.

In this article, I'll show you how.

When researching income protection, customers often ask us this question:

Will the insurance company help me to get back to work?

Here's the answer:

Cast your mind back to History class in school and the epic battles of our time. 

The Battle of Hastings.

The Siege of Stalingrad.

The Invasion of Normandy.

 Millions fought in bloody, awful wars.

And now we have the Battle of the Brokers, where a man on the internet will compare Life Insurance brokers so you can choose which one is right for you. 

It’s scintillating stuff, folks.

Anxiety folks, it’s real.

We are living in some crazy times and if you haven’t felt the sting of anxiety before, Covid has well and truly introduced you to this nasty beast.

I think we’ve all gone through the same varying stages of emotions that’s led us to feel less like ourselves than before.

It’s the dream that’s been drilled into your head since you were a kid. Grow up. Go to college. Graduate with a good degree so you can get a job and, eventually, a house of your own. (Probably after moving home with your folks and living on ham sandwiches so you can save the deposit.) Don’t stop believin’.

Or, to quote the iconic opening of Renton’s monologue in Trainspotting: “Choose life. Choose a job. Choose a career. Choose a family.”

You're seriously considering income protection.

But how can you be sure you're buying the best policy for you?

Speak with an independent broker who knows the 5 insurers inside out.

Nobody wants to think about what will happen when you exit stage left but, as boring as it can be, preparation is always key.

So you're paying your premium monthly towards your life insurance, serious illness cover and income protection, but what happens when you or your loved ones need to claim on that policy?

With so many different variations of insurance out there, I know it can get overwhelming.

Many of us think that we're good to go once we have health insurance.

But health insurance has a few sneaky limitations that might not seem like such a big deal until you're in the midst of a medical emergency.