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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.

Do you remember the first time you drove in the dark?

Were you scared?

I was.
I was terrified.
And lost.
Maybe terrified because I was lost.

And I couldn't figure out how to use the headlights.

So I was terrified, and lost, and couldn't use the headlights.

And I had a baby on the way.

You might think that you need Life Insurance in much the same way that a fish needs a bicycle.

Which, of course, is to say that you don’t need it at all.

But here’s the thing: You need Life Insurance in much the same way that a fish in a fishbowl needs a fish tank.

Meet Jaws, my hypothetical fish.

Can an alcoholic get life insurance?

The simple answer is no - if they are still drinking.

Life insurance and alcohol is not a good mix.

If they haven't drunk in 2 years then there is a chance of getting life insurance.

But there will be a significant increase in the price of their cover (on average they'll pay three times the normal price)

You’ve probably read that title and recoiled a bit with the bang of BS off it.

And yes, you’d be right. It does sound farfetched, but you can buy Life Insurance with cashback.

It’s all a matter of knowing a guy who knows a guy who knows about insurance — or knowing a guy who knows how to Google and ended up on this here part of the internet.

You know how in Batman – the cartoon, film, or comic, you choose – the big lad himself will go toe-to-toe with a villain. Then he’ll reach into his trustee utility belt to get whatever tool he needs to save the day?

Well, the tools come in 10 pouches (I Googled this, dear internet, for I am not a nerd who automatically knows such things) and include his Batarang, napalm (as ya do), a tranq gun and smoke pellets.

Multi-claim Protection Insurance – a new type of cover from Royal London – is a bit like the Bat-belt of insurance. Mind, I wouldn’t try and use it to fight crime as throwing a policy document at The Joker won’t accomplish much.

Remember being 14 or 15 in maths class in school? Your teacher, probably a bit of a gowl, would spend ages explaining the complicated maths on the board and then he’d ask you if you understood. You probably didn’t, but you said ‘yes’ anyway because you didn’t want to look like an eejit.

Next thing you know, Mr McGowl has asked you to come up to the board to solve an equation for ‘x’. You couldn’t find that ‘x’ if it was inscribed onto your forehead.

And all you can do is go up there and write some crap on the board while Mc Gowl tuts away.

The insurers quite often play this game when they name and explain things. Even with the best of intentions (I’ll let you consider how true that might be), they have a way of explaining things so that you can’t actually figure it out.

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.