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You ever see a TV show or movie where a desperate character takes a loan from a shady one but when they go to make a payment the interest is so high that all of a sudden there’s no hope of them ever paying it back?

And then it cuts to the next scene and there’s a large gangster dude standing on their doorstep threatening to break their legs.

Okay, so I may be exaggerating a bit here but that’s kind of what Reviewable Income Protection is like.

If you’re on this here blog, I can assume a couple of things:

you’ve bought or are buying a house and
you’ve either bought or are buying Mortgage Protection or Life Insurance because you have to.

I can also probably assume you’re a responsible adult – or at the very least, you’re very good at pretending, which as we all know: all the best people are.

Now, there is one thing you need to know. This one thing is either coming to you too late or just in the nick of time, depending on whether or not you now own a house.

The banks are great for mortgages, but they’re a rip off when it comes to Mortgage Protection...

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.

You know you’re starting to get on a bit when you turn on the radio to chart music (do the kids even call it ‘chart music’?) and you don’t recognise any of the songs or the singers.

What even is a Billie Eilish?

Here’s the thing: the brain stops developing at around 25, which is when the panic starts, as you're meant to be fully mature.

But the panic reallllly beds in when you’re hitting 30. Something about it seems irreversibly grown up.

You’re not quite sure when it happened, but it has.

You’re in your thirties and you’re reading a blog about Life Insurance.

Having a baby is just about the most adult thing you do.

It’s also wildly rewarding, even if it doesn’t feel like it when they’ve thrown their dinner on the floor (just after you mopped it) or they’ve somehow managed to paint their entire body in a strange concoction of food things (just after you bathed them).

Never estimate the amount of damage a small child can do in five minutes.

They’re also expensive...

But then Sarah gets sick.

She’s out of work for a week because of cramps. The company she works for are decent and pay her for up to 10 sick days a year. Sarah’s not worried.

But then the cramps don’t go away and she finds out she’s got cancer and she’s about to face a long medical battle, and god knows how long out of work.

Those 10 paid sick days are all the company cover.

So, what happens next? And what if something like that were to happen to you?

No doubt, as an independent contractor you’ve experienced it all.

The hopes.
The dreams.

The days where it’s gone spectacularly well and the ones where you consider packing it all in to permanently push pens.

It’s a rollercoaster. But what happens if you get sick? And I’m not talking a dodgy belly or a sore head after a long weekend...

Earlier this year, news broke that a patient in London was cured of HIV, following a bone marrow transport.

It comes more than a decade after Timothy Brown, the “Berlin patient”, made history as the first person to be ‘cured’ of the disease.

Both cases have been widely celebrated as they represent great hope for the 37 million people living with HIV around the world.

For decades, the virus was a ruthless killer, savaging entire communities.

Thankfully, we’ve come a long way since, both in terms of treatment and response.

There are certain milestones in life that you’ll cling to as proof that you are an actual adult – even though “adult” can feel like a state of mind as your age slowly and not-so-assuredly creeps up.

Meeting the other half who you’re serious enough about that you’re happy to sit in and watch Love Island or whatever sportsball they’re into. Sustaining said relationship, even through wobblers about wet towels and whose turn it is to load the dishwasher. Finding the first few grey hairs. Having very serious discussions with your friends in the pub about mortgages and personal finances and babies.

Very strongly considering applying for a mortgage....

Worried that Crohn's Disease will affect your life insurance or mortgage protection application?

You've come to the right place. We're the experts when it comes to life insurance with health issues.

Here's our quick guide to getting life insurance with Crohn's Disease.