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It's possible to get life insurance after cancer.

But it depends on the type of cancer and how aggressive it was.

Here's out quick guide to applying for life cover after cancer.

Sometimes finding information on government websites can feel a bit like a hero’s journey straight out of your favourite fantasy novel.

Start on one website, end up on six different sites, pick up a stray Hobbit, pass through Mordor, defeat Sauron, and land on a page that’s meant to help – and yet you’ve still no idea what counts as a qualified adult and what all the numbers in front of you means.

All you want to do is figure out how to protect yourself if you got sick. And yet…what’s all this gobbledegook and either/or logic around PRSI and relevant tax years?

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.

Has a life insurance insurance company loaded your policy due to a health issue?
Even worse, have they declined you for life assurance?

You're not alone, the majority of our customers have quirky health issues which some insurers are only too happy to charge extra premium for. We're here to make sure you pay as little as possible for your cover, we might not be able to get you the standard price but we'll get as close to it as possible.

How?

Let me tell you...

Thrombocytopenia – granted it’s a big word, even bigger than marmalade, but it simply means you suffer from a low blood platelet (thrombocyte) count. It happens when platelets are lost from circulation faster than they can be replaced from the bone marrow where they are made.

But I guess you know this already so you’re wondering how it will affect your chances of getting life insurance or mortgage protection.

Listen up, here’s the deal:

So how do you go about getting a mortgage?

Well, if you’re in Dublin, you’ll probably look at house prices, cry a bit and give in to the inevitability of having to live out of your parent’s gaff for the next decade.

Be grand.

For everyone else? Follow along.

It's possible to get life insurance with cardiomyopathy so long as you apply to the most sympathetic insurer.

But it's not straightforward.

Here's our guide.

You're looking for mortgage protection.

You're a first time buyer.

You've come to the right place

Basically, Mortgage Protection Insurance clears your mortgage if you die. So, if you (or your partner) meet an early, very sad end, your home becomes theirs, debt-free.

If you didn’t have Mortgage Protection, the debt would keep on keepin’ on and there’d only be one of you to pay it off – which, again, given the apocalyptic state of the housing market, would be really, really rough.

Now, the lender won’t actually give you a mortgage without Mortgage Protection, so you’re gonna have to cough up for it, whether you want to or not.

But!

That doesn’t mean you should buy Mortgage Protection Insurance from your lender.

In fact, you probably shouldn’t. Which leads nicely onto question numero uno in this unofficial FAQ.

All Mortgage Protection plans may appear to be the same...
But they're not 😮

Certain plans give you more bang for your buck.

Take a Convertible Mortgage Protection plan for example...