The Lion Life Insurance Blog

Blood cell disorders impair the formation and function of either red blood cells, white blood cells or platelets.

Red blood cells transport oxygen to organs and tissues.

White blood cells fight infections.

Platelets help the blood to clot.

In this article we look at how each type of blood disorder will affect your application.

Finding a reliable solicitor in Ireland isn't an easy job.

It's like searching for a needle in a haystack, blindfolded, wearing boxing gloves.

Don't get me wrong, there's a rake of solicitors out there who have your best interests at heart and treat you like an actual person instead of billable hours, but it's not easy and can be pretty overwhelming.

So we've done the heavy lifting for you and made a list!

We all want to kiss our children goodnight and drift off to sleep safe in the knowledge they'll be OK if we don't make it through the night - or the next day!

So, why aren't more of us talking about life insurance?

Well, there are probably a bazillion reasons that are outside the scope of this blog, but here are the top 5 reasons we tend to shy away from this important topic.

What's your excuse, eh??

Any employer worth their salt knows that without their employees, they have nothing.

So, a smart employer will always put Executive Income Protection in place to keep their staff safe and happy.

And if you are a Director of your own Limited Company, you'll want to ensure you're ok if the worst happens.

Now, I know some employers pride themselves on being the tightest in their industry, so we're talking to those who value their employees and want to look after them.

Because let's be honest, by looking after your employees, you're looking after your business too.

It's a magical trade-off that keeps everyone happy.

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.

It's time to get down and dirty with mortgage protection.

We all know what a basic mortgage protection plan is, right?

It's a type of life insurance policy that protects your mortgage lender. If you die, your policy will pay a lump sum of cash to pay off your mortgage.

So yeah, it protects your bank, but you pay for it.

Hardly fair, but in Ireland we must do all we can to protect the banks, isn't that right?

What if I told you there's a type of mortgage protection with way more bang for your buck? 

This little gem is called a Convertible Mortgage Protection Plan.

How much should you spend on life insurance?

Like it or not,  life insurance is a smart play for your family.

If you walk out in front of a bus, you're gone, and so is your income that they depend on for their future financial stability.

But, you might wonder how much you should spend on life insurance?

Are we talking about having to sacrifice nice days out with the fam, or just your regular morning caffeine hit?

These are totally valid questions. It seems like any hard numbers are, well, hard to come by no matter how much googling you do.

If you think you need life insurance for a mortgage, you're mistaken.

All you need is mortgage protection (no matter what the bank tells you)

It'll save you a few quid...

I'm not one for taking sides or having favourites, but it's hard to ignore Royal London's serious illness cover when making a recommendation.

Serious illness cover has never been my favourite insurance.

It's hit-and-miss; with limited illnesses covered, you can't always be sure that it's a backup plan that will have your back.

But here comes Royal London Ireland storming the stage with some sassy, serious illness specifications.

And some of their improved Specified Serious Illness Cover are unique in Ireland.

So, let's dig a little deeper and plough through all the jargon and whatnot to make sense of what Royal London Ireland offers.

If you ever had to take extended sick leave but had the smarts to sort out income protection policy before the shit hit the fan, you probably felt an abundance of relief.

But what would have happened if your employer had given you the boot during your sick leave?

Is that a thing?

Can you even be fired if you are on extended sick leave?

Unfortunately, the answer is trickier than a quick yes or no.