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How to Get Life Insurance or Mortgage Protection if you have Diabetes?

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.

Can You Run One Mile?

Our friends at Irish Life have announced their Family Mile Challenge.

Because running isn’t just for us boring grown-ups, it’s for the kiddie winks too. In an effort to not only encourage us to get active but rope in the rest of the family too, Irish Life is asking you lovely lot to strap on those runners and give it a go on the 26th and 27th of June.

Plus, if you register, you have the chance to win some awesome prizes (their words not mine)

a stick
some twine
lollipops
FitBits

In fairness, they sent that stick to the office and we all loved it.

Abnormal Smears and Life Insurance

If your last smear was abnormal, most insurers will not be in a position to offer you cover until you have had a normal smear.

But we deal with some insurers who can offer you cover now.

And we'll be able to get you the normal price.

How to Assign a Mortgage Life Insurance Policy

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...

What is Life Insurance Guaranteed Insurability?

A question I'm often asked is: Can I get more life insurance in the future if I need it?

My answer is: Yes, but you'll have to answer medical questions....unless you can use the guaranteed insurability option.

The response to which is invariably: What the hell is a guaranteed insurability option???

The Definitive Guide to Dual Mortgage Protection

You're looking for a mortgage protection policy:

You're probably  looking for the best priced mortgage protection policy.

But will you find the best value mortgage protection policy?

You will if you keep on reading.

Mortgage Protection Vs. Serious Illness Cover

When you're getting a mortgage, you have to get a mortgage protection policy and assign (pass ownership) it to the bank.

If you die, the policy pays out a big lump of money to the bank to clear your mortgage. That all seems fair enough.

However, and here's the sneaky part - if you add serious illness cover to your policy and make a claim on the serious illness (say you get cancer or suffer a heart attack), who do you think gets the money?


Life Insurance and Cannabis Use

High there

So I guess you’re here because you (or a friend) smoke weed or have done so in the past.

And you’re wondering whether you should disclose this on your application form.

Am I right?

Why Insurers Push Life Insurance Indexation (and why you should avoid it)

You'll be in the bank when they hit you with the big one: if you don't go with Life Insurance indexation, you'll leave your family with less money than you intended to.

They'll face a life of poverty.

Ending up sweeping chimneys and begging for scraps on the streets.

Okay, so I'm exaggerating – but the guilt trip is a mean trick for the bank to play on you.

Life Insurance indexation might seem like a good – even necessary – thing to add to your policy, but is it really in your best interest?

What is an Income Protection Deferred Period?

The income protection deferred period is important.

Shorter deferred periods mean a higher premium.

But is a longer deferred period a waste of money?

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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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