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Each year, approximately 10,000 Irish people have a stroke.

One in five people will have a stroke at some time in their life.

I'm not trying to scare you with these facts just to reassure you that you're not alone...and that you've come to the right place.

Welcome to THE most comprehensive guide to mortgage protection on t'internet.

Learn:

where to buy the best mortgage life insurance policy
why you should never add serious illness cover to your policy?
how to avoid 33% tax if you're not married

And much more more

When it comes to insurance, you might think that price is the most important factor. Sure you’ve filled in your details and used an online quote calculator for Life Insurance, and you’ve got a list of insurers with prices listed from cheapest to most expensive.

You’re probably thinking it’s a case of picking the cheapest quote.

As it so happens, it’s not just a case of picking whichever insurer is cheaper.

So what else do you need to consider? Find out here.

Life Insurance might seem like a modern invention – like a lightbulb moment that could have happened in the last century given the rise of corporate banking and massive financial companies.

It actually goes back centuries – the first Life Insurance policies were taken out in the early 18th century and the first company to offer Life Insurance was founded in London in 1706.

It was called the Amicable Society for a Perpetual Assurance Office, which is long-winded but pretty brilliant. Who wouldn’t trust an ‘Amicable Society’ with their ‘Perpetual Assurance’?

Given that was London in the 1700s, modern Life Insurance probably comes with a lot less moustache twirling and tricorn hats.

Life Insurance, as a business, has been developing for centuries – so the vast majority of people can usually get some cover. Here’s what you need to know if you think you’re ‘uninsurable’.

Here’s the number one thing you need to know about Life Insurance: it isn’t actually for you; it’s to prevent a financial crisis for those you leave behind.

However, if you want to protect yourself then Serious Illness Cover is what you need.

Also known as Serious Illness Cover or Critical Illness Cover, Specified Serious Illness Cover pays you cash money if you get a serious illness. Get everything you need to know here.

Mondays are usually pretty awful.

It’s a new week and there are five more days to get through until the weekend.

And that’s if you’re lucky enough to work nine-to-five.

If you’re a nurse and you’re into your third night shift and you still have several days to go, it must be tempting to pull a sickie...

What percentage of Life Insurance claims do you think are paid out?

A fiver says you’ll probably guess wrong. If you’re right, the fiver is metaphorical.

So, around 95 percent of all death claims are paid out.

Believe it or not, the insurers actually want to pay claims. Without claims, there is no point in having Life Insurance.

Plus, they don’t want the bad publicity that goes with declining a claim. So, if you genuinely forget to disclose something, they’ll try to make some sort of payment. But if they get even the faintest whiff of fraud...

Moral of the story: don’t try and pull a fast one over the insurer. It won’t work in your favour if you’re caught.

So what are the Life Insurance pitfalls you should avoid?

Chronic illnesses are shit – there’s no two ways about it.

Everyone knows someone who has a chronic illness. Your neighbour who has diabetes. Your mam and her MS. Your childhood best friend who you haven’t seen for years who has Crohn’s.

Or maybe you’re the one with the chronic illness and that’s why you’re on this blog.

According to the HSE, about one million people in Ireland suffer from one of diabetes, asthma, COPD, or cardiovascular disease.

That’s almost a quarter of the population – so why aren’t we talking more about the reality of a chronic illness?

It’s very easy to think that bankers are wan…bad guys. Sure wasn’t it the bank’s fault that the Boom collapsed so badly?

Between massive loans and inflated prices, it was all a bit of a disaster. But we’ve sort of returned to a middle ground where the banks aren’t such bad guys after all.

Or have we?

When it comes to Life Insurance, that’s definitely not the case. Why? Let’s take a look at why buying insurance with a bank will hit you square in the pocket.

If you Google the most popular fears, you’ll get a list that looks like this:

1. Fear of public speaking.
2. Fear of death.
3. Fear of spiders.
4. Fear of darkness.
5. Fear of heights.

Which means that most people find the idea of public speaking scarier than death.