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Can I be brutally honest with you?

And I don't mean honest in a "your bum looks big in that" sort of way.

I mean really honest.

Ok?

Here goes...

Who do you trust for life insurance?

Do you trust the insurer with the biggest marketing budget, you know the one that follows you all over the internet the minute you leave their site #creepy.

Or do you trust the insurer your sister/friend/Jeremy from accounts recommends (even though Jeremy is a bit of a knob, all things considered).

Or do you trust me, some eejit tip tapping away at a keyboard?

It is difficult to get life insurance with type 1 diabetes but it's not impossible.

We can get you covered at a much lower price than you'll through your bank.

As consumers, we're fascinated by comparisons.

We love knowing the best, the worst, and everything in between.

And having all the information in the world at our fingertips has made us even hungrier to find out all we can before we make a purchase.

So today, to save you from spending hours on the interweb trying to compare insurers, in this article I'll do it for you.

Bad manners

Queuing

Smelly people

All of the above are pet-hates of mine but what do they have to do with life insurance? Let me tells ya...

Imagine you get the awful news that you have cancer, or a brain tumour or multiple sclerosis. You'd feel like your world is falling apart but who could you turn to?

Friends and family will be supportive but they won't have a clue about how you're really feeling or how to help you cope.
Do you pay a visit to Dr Google and scare yourself half to death with the half truths and misinformation you'll find there?

Wouldn't it be great to have a professional advisory to turn to who has helped people in your situation. This is where the value added benefits on life insurance policies are so useful.

It may have come as a huge shock to be declined or postponed.

In this article, I discuss the reasons why this has happened.

And what you can do about it.

Don't worry, it's possible to get life insurance with a pre-existing condition but for your own sake, please use a broker who deals with ALL of the life insurance providers

I cannot stress how important this is.

If you approach a broker after you've been declined, postponed or had your premium increased then you have a problem as you'll face this question on all subsequent applications:

There comes a point in adulthood where the recurring nightmares of your youth (your teeth falling out; having to re-sit your Leaving and failing terribly; asking a young one out and being shot down with a look that still haunts you) fade away for something a bit more grown up.

It’ll happen all of a sudden. You’ll be having a class sleep (a rare thing in and of itself, between kids and work and all the rest) only to wake up in a pool of sweat, heart hammering, because you dreamed that you...

Since time immemorial, a bloody war has raged across the island of Ireland between the Royals of London and the Lifes of Zurich.

A battle to be crowned the Best Mortgage Protection Provider in Ireland.

OK, maaaaaaaaaaaaybe that’s an exaggeration...