The Lion Life Insurance Blog

Your No Bullshit Guide to Income Protection

Based on questions I have been asked over the years.

Enjoy!

Buying a house, as we all know, is a pain in the hole as it involves any number of the following:

Keeping a paper trail.
Dealing with estate agents.
Living at home in the box room with yer ma and da for a year to save a deposit. 
Paperwork. 
Dealing with estate agents.
More paperwork. 
Budgeting for stamp duty and a solicitor.

It’s no wonder you might be tempted just to say ‘feck it’ and go with your bank when they offer you a Mortgage Protection policy. But don't!

Welcome to THE most comprehensive guide to mortgage protection on t'internet.

Learn:

where to buy the best mortgage life insurance policy
why you should never add serious illness cover to your policy?
how to avoid 33% tax if you're not married

And much more more

An underactive thyroid means your thyroid gland, located in the neck, does not produce enough hormones.

You'll be glad to hear it shouldn't affect your life insurance once it's been treated, without complications, by medication.

Need life insurance but don't fancy getting prodded and poked by a doctor?

That's understandable.

You'll be glad to hear you can get cover without a medical

Sick days are inevitable, the flu, a pulled muscle, a heavy night - don’t look at me like that!

But did you know that legally, you are entitled to exactly ZERO sick days?

Shocking isn’t it?

And if you work as a chemist or can call yourself a pharmacist, you're in the same boat as everyone else.

Tick tock.

Do you hear that?

That’s the sound of your life getting shorter, second by second.

Okay, so that’s a bit dramatic – but it’s true.

To answer the heralded question in the blog title: now is the best time to get Life Insurance.

One of the most popular searches around Life Insurance is ‘is Life Insurance a scam?’ If you Google it, you’ll get a whole bunch of results – some of which include helpful articles on spotting or avoiding such a scam.

The vast majority of the time, Life Insurance is a fair deal.

I’m all about honesty at Lion so let’s take a crack at some of the biggest myths around Life Insurance.

Life insurance is great and all, but if you've found this page, you only have one thing on your mind.

So, let's deal with the elephant in the room:

How much will it cost if you have a dangerous job?

If you fancy yourself as the next James Bond and you’ve been wondering how your passion for adrenaline-pumping pastimes could affect your life insurance premiums, you’re in the right place.

Most people want to spend as little as possible on life insurance and mrotgage protection.

And that's fair enough, I'm one of them.

But if you spend your weekends lobbing yourself out of a plane, diving into the ocean deep, or spinning your wheels on the Motorcross track, then I’m pretty sure you're not going to quit those hobbies just to get a cheaper quote.

So how much more are you looking at?