Did you know we have one of the highest death taxes in the world here in Ireland.

It's more commonly known as inheritance tax.

It takes one third of what you intended to leave behind for your kids and gives it to The Taxman instead...unless you put a plan in place to pay that inheritance tax.

Look, having a health condition sucks.

It just does.

But it shouldn’t affect your chance of getting a mortgage.

In some very extreme cases, the insurers will think the chances of you having to make a claim are too high and they’ll say no, but that’s rare.

Or they may postpone offering you cover, which isn’t the best news– but it’s not the end of the world as it’s a “not now” more than a firm “no way”.

The insurers underwrite applications on a case-by-case basis, but for now I’ll say this: the majority of people should have no problem getting Mortgage Protection.

However, getting Mortgage Protection with a health issue can take time so it can be a matter of urgency.

With so many different variations of insurance out there, I know it can get overwhelming.

Many of us think that we're good to go once we have health insurance.

But health insurance has a few sneaky limitations that might not seem like such a big deal until you're in the midst of a medical emergency.

How much is mortgage protection insurance in Ireland?

The average cost of mortgage protection in Ireland is €23.46

And that concludes this blog post.

Have a nice life.

But what if you're not average, what if you're remarkable like most of our clients?

Well then my friend, I urge you to read on.

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...

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???

While financial planning sounds like something only the rich do, there’s a lot to be said for it.

And I know it all sounds desperately dull.

Still, proper financial planning = being able to spend your money without freaking out about whether you can afford to.

We have a handy calculator here to help you plan.

Money management is stressful. It’s even more stressful if you’re living with a chronic illness. The truth is that everything is a bit more difficult with a chronic illness: all the doctor’s appointments and treatments; flare-ups; time off work; and stress.

So today I’m skipping all the ‘ditch takeaways’ budgeting advice and filling you in on what you need to know about managing your money if you’ve got a long-term illness.

You already know this if your other half has a chronic illness.

You’re not really supposed to admit it but it can be hard being with someone who is chronically ill. The flare-ups and the symptoms and the missed-things. Cancelling plans and going to doctor’s appointments and having to take time off work.

Sure, you’re not the one with the chronic illness, but it can feel like a third presence in any relationship.

Ultimately, all you want to do is help, but ‘chronic’ usually means ‘not curable’, so your partner’s illness becomes the new normal.

If the diagnosis is new, it can feel like a lot – and all you want to do is help out, but where do you start?

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...