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The Lion Life Insurance Blog

Do I Need Serious Illness Cover if I Have Health Insurance?

Okay, so you might think that Serious Illness Cover and Health Insurance are the same thing.

I mean, they’re pretty similar: insurance that covers you if you get sick – but that’s not entirely the case.

Think of it like Batman. So Batman is a bad-ass, but even he goes into battle with his trusty gadgets: his Batsuit, his Batmobile, and his utility belt.

In this metaphor, his Batsuit is Life Insurance: it’s his most important defence.

7 Little Known Reasons You’ll Pay More for Life Insurance

The ‘40s were a different time.

After the war had ended, in 1946, Camels, the cigarette company, ran an advert around the tagline ‘More Doctors Smoke Camels’.

The moral of their story was that smoking was cool although people had no real idea of the damage it could cause.

But here’s one for fact about smoking that 100% true: smoking will rob your pockets if you apply for Life Insurance in Ireland today.

So what else will cause your money to go up in smoke?

Personal Accident Cover v Income Protection

Personal Accident Cover and Income Protection will both provide replacement income if you can't work but what are the similarities and differences?

Which should you choose?

That's what we look at in this article.

tl/dr - choose income protection!

Can a Transgender Person get Life Insurance?

Life insurance for people with gender dysphoria should be available at standard terms with most insurance providers.

However, a transgender person may have associated health issues such as prescribed medication.

Because the insurers will place more important of the associated health issues, it is vitally important you apply to the most sympathetic insurer for these issues.

Mortgage Protection Insurance for Cancer Survivors in Ireland

On June 7th, 2023, Insurance Ireland announced the complete details of their new Code of Practice for Underwriting Mortgage Insurance for Cancer Survivors.

Under this Code, insurance companies will not consider a cancer diagnosis if the person is in complete remission and active treatment ended more than 7 years before the application (or more than 5 years if the individual was under 18 at the time of diagnosis)

Cancer survivors can get mortgage protection (reducing life insurance) of up to €500,000 for a mortgage on their primary residence.

Beyond Bills and Mortgages: Unleashing the Power of Income Protection for a Life Full of Fun!

Picture this:

You're sitting at your desk, bored out of your mind, daydreaming about that stunning beach getaway you just booked.

The sun-kissed shores, the warm breeze, the cold drinks —it all feels so close, yet so far away.

But, what if there's a cruel twist to this daydream?

Imagine life throws you a curveball, and suddenly, you find yourself unable to work due to an unexpected illness or injury.

The thought of putting your dreams on hold and settling for the mundane can be disheartening, to say the least.

But fear not, because there's a hero ready to save the day: income protection!

Dual or Joint Life Insurance – Which is best?

You can buy life insurance on a joint life or dual life basis.

With joint life, your policy pays out on the first death then your policy ends.

With dual life, your policy pays out on first death and cover continues for the survivor.

Income Protection for Sales Professionals

Hey, you!

Yes, you, the sales professional dripping in designer clobber with a taste for the finer things in life.

I know you're addicted to the thrill of the sale but have you considered what would happen if you were suddenly struck down by an illness or injury?

No more fancy dinners, no more jet-setting to exotic locations, no more skinny single-origin mocha latte wakka doo-dahs from that overpriced coffee shop on the corner.

Scary thought, yeah?

Well, fear not my friend, because I'm here to tell you about a little thing called income protection.

It's an insurance policy for your wallet, ready to swoop in and provide replacement readies if you're unable to work.

So, go on, uncork that €80 bottle of wine and let's talk about securing your financial future

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.

Mortgage Protection with Neurological Issues

Welcome to our blog post on life insurance and mortgage protection for individuals with neurological disorders in Ireland.

While it’s not always easy to think about, having a plan to protect you and your loved ones is essential.

This post will examine the most common neurological issues we advise on and discuss the factors insurance companies consider when underwriting policies.

We’ll also provide tips on how to navigate the application process and the options available for those with pre-existing neurological conditions.

By the end of this post, you’ll better understand how to find the right policy for your specific needs, even if you have a neurological disorder.

So, let’s crack on!

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As Ireland's leading life 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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