Learn how common health issues like diabetes, mental health, obesity and family history can impact the cost, and sometimes the chances. of getting mortgage protection and life insurance.

We explain how to give yourself the best chance of cover.

When it come to bipolar disorder, you may think that the greatest concern of the life insurance company is death by suicide.

Generally people hear the word bipolar and immediately think that person is a danger to themselves.

As a result, you might think that someone who has had suicidal thoughts or attempts in the past will be declined for life cover...

She walked slowly into the room and looked John straight in the eye.

“I’m sorry, but I have bad news…”

John heard the word “cancer” then his own thoughts drowned out the words tumbling from his doctor’s mouth.

Okay, so you might think that Serious Illness Cover and Health Insurance are the same thing.

I mean, they’re pretty similar: insurance that covers you if you get sick – but that’s not entirely the case.

Think of it like Batman. So Batman is a bad-ass, but even he goes into battle with his trusty gadgets: his Batsuit, his Batmobile, and his utility belt.

In this metaphor, his Batsuit is Life Insurance: it’s his most important defence.

The ‘40s were a different time.

After the war had ended, in 1946, Camels, the cigarette company, ran an advert around the tagline ‘More Doctors Smoke Camels’.

The moral of their story was that smoking was cool although people had no real idea of the damage it could cause.

But here’s one for fact about smoking that 100% true: smoking will rob your pockets if you apply for Life Insurance in Ireland today.

So what else will cause your money to go up in smoke?

You can buy life insurance on a joint life or dual life basis.

With joint life, your policy pays out on the first death then your policy ends.

With dual life, your policy pays out on first death and cover continues for the survivor.

This article was inspired by an email from a woman called Annie, who wrote in:

Hi. My Life Insurance has been postponed, and I need it for a mortgage and am wondering if there is Life Insurance out there that I can get?

Obviously, for Annie, this is not good. Annie's done the hard part and saved the deposit and went and found a house to buy. However, to buy a home in Ireland, you have to get Mortgage Protection, which pays off your mortgage to the bank if you die.

You’ve heard the old rhyming one-liner: an apple a day keeps the doctor away. Well, apparently an aspirin a day keeps heart disease away – though it remains to be seen if that’s entirely true.

It’s also completely useless if you’ve recently been diagnosed with a heart condition.

Heart conditions are scary – and you absolutely don’t need the added stress of worrying about financial issues. To ease your mind, I’m looking at how to be financially healthy.

In this blog, we explore the different types of life insurance and provide insights on how to find the most affordable policy that fits your budget and needs.

Whether you're looking for term life insurance or mortgage protection, this article will help you compare quotes and make an informed decision.

Strictly speaking, your kids don't need life insurance.

You see, life insurance exists to replace the income of a breadwinner.

And if your kids are anything like mine, they certainly aren't winning any bread.

Eating it, yes and slowly bleeding you dry.