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The Lion Life Insurance Blog

Getting Mortgage Protection & Life Insurance in the COVID-19 Era (12 months in)

I remember when this shitshow started back in March.

Clients with certain health conditions couldn't get cover so I put a note on their file to get back to them in 6 months time.

Surely by now, this would have all blown over?

Why Insurers Push Life Insurance Indexation (and why you should avoid it)

You'll be in the bank when they hit you with the big one: if you don't go with Life Insurance indexation, you'll leave your family with less money than you intended to.

They'll face a life of poverty.

Ending up sweeping chimneys and begging for scraps on the streets.

Okay, so I'm exaggerating – but the guilt trip is a mean trick for the bank to play on you.

Life Insurance indexation might seem like a good – even necessary – thing to add to your policy, but is it really in your best interest?

Life Insurance Options for Single People (without smelly kids)

There are two ways to skin this particular cat.

I could go through the reasons why a single person without kids would need cover:

- mortgage
- bills
- funeral costs
- student loan debt/private student loans
- credit card debt

But instead, I'll go through the types of life insurance options available to everyone and drill down on why they could be useful if you are single.

I am starting with my favourite and the cover that EVERYONE should have regardless of whether they are single or have children.

Switching Mortgage Deals in Ireland 2021

Once upon a time, Ireland’s entire housing market descended into a massive ball of fire.

I’m sure you’re familiar with it.

One of the things that fell away, alongside property prices (now rising meteorically again) was the habit of switching mortgages.

What is an Income Protection Deferred Period?

The income protection deferred period is important.

Shorter deferred periods mean a higher premium.

But is a longer deferred period a waste of money?

Pension Term Assurance – Life Insurance with Tax Relief

Do you want to save 40% on your life insurance?

It's easy.

Here's how.

Income Protection or Serious Illness Cover?

Are you ready for some truth?

You're screwed if you can't work.

And if you have a family who depends on your income, well they're fecked too.

Imagine trying to pay the mortgage, all the bills and live on illness benefit of €200 per week.

Impossible.

That's why protecting your income is the most grown-up thing you can do especially if...

How to Compare Income Protection in Ireland (2021 Edition)

It’s highly likely that when you were a smallie, your ma or your da told you that to be successful in life, you need to do well in school, get a good job, and work hard.

It’s not bad life advice, though it’s probably a little different now given that every eight-year-old wants to be a YouTuber.

Instead of working hard, all you gotta do to be a millionaire is make videos of you playing video games while screaming at your computer.

Keep it up, son, and someday you might be PewDiePie.

What is the Best Mortgage Protection Policy in 2021?

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!

Mortgage Protection Cohabiting Couples

Cohabiting couple.

It’s surely the unsexiest way of referring to living with your other half. Second possibly only to ‘living in sin’ – but even that has a certain ring to it, doesn’t it?

And sure, you might be perfectly happy in your unwedded bliss – but you do need to consider certain ramifications when it comes to tax.

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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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