You're here to figure out if life insurance is what you need, and I'm here to help by simplifying the bejaysus out of it.

So let's begin this Beginners Guide to Life Insurance

So those scoundrels at Aviva, Irish Life, Royal London, New Ireland or Zurich Life have increased your premium, eh?

And you're wondering why?

Let me explain:

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’.

We very recently ran a survey about Life Insurance and one thing came to light that I want to tackle: a lot of people don’t trust the insurers to pay out.

And I get it: insurers can be tricky fellas, with watertight terms and conditions, complicated underwriting and confusing jargon. We all know someone who made a health claim that fell through or whose car insurance is sky high.

But here’s the thing: Life Insurance is a little different. Read my blog for more.

Having a baby is great (not literally having it of course, us menfolk have to deal with the horrors of manflu, how unfair would the lord above have been to lumber us with pregnancy too).

But those days after baby arrives, they suck...

Some people like to know how much commission we make, others couldn't give a toss.

They're happy with the service and realise we don't work for nuthin'

But look, we've nothing to hide

Laya life insurance markets itself as no-frills life insurance, but is it a viable alternative to what's already on the life insurance market?

Medical science can spot a health issue so quickly that there seems to be hardly a healthy human left.

So don't be surprised if your insurer requests a medical report from your GP.

Here's why they need a PMAR...and how you can avoid them.

The two things that piss everybody off about life insurance are:

Having to pay for it
Not getting anything from it

I have the solution.

Only answer the questions the insurers ask.

No need to volunteer additional information.

If more information is required, it's up to the insurer to request it.