Can you get life insurance if you have Alzheimer’s disease?

No. Once Alzheimer’s disease has been diagnosed, life insurance and mortgage protection are not available.

Will having a parent with Alzheimer’s mean I am declined?

No. Many people with a family history of Alzheimer’s can still obtain life insurance, especially where the diagnosis happened later in life.

Does the age my parent was diagnosed matter?

Yes. A diagnosis before age 60 is treated differently from a diagnosis in the late seventies or eighties.

Will my premium increase if my parent had Alzheimer’s?

It can. Some insurers increase premiums where family history is considered, but others may not apply an increase depending on the age at diagnosis.

Why does the insurer matter so much?

Different insurers ask different questions about family history, and approaching the right one first can prevent unnecessary premium increases.

Medical Issues & Life Insurance Archives

Life Insurance and Alzheimer’s Disease

Having a parent with Alzheimer’s does not automatically mean you will be declined for life insurance.

This guide explains how age at diagnosis and insurer choice affect the outcome.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 12 2026 3 min read Medical Issues & Life Insurance

Life Insurance with Alcohol History in Ireland | What You Need to Know

If you have been declined for life insurance because of alcohol history, you may still have options.

This guide explains how insurers assess sobriety periods and why sequencing matters.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 11 2026 3 min read Medical Issues & Life Insurance

Digestive Conditions & Life Insurance

Most digestive conditions don’t automatically block life insurance or mortgage protection in Ireland.

What matters is the specific condition, whether investigations are complete, and applying in the right order.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 5 2026 4 min read Medical Issues & Life Insurance

Mortgage Protection with Diabetes in Ireland

Mortgage protection is often possible if you have diabetes.

What matters most is control and how the application is handled.

This page explains what insurers actually look at and how to avoid delays.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 1 2026 Medical Issues & Life Insurance

Can You Get Life Insurance or Mortgage Protection with Cardiomyopathy?

Cardiomyopathy doesn’t automatically rule out life insurance or mortgage protection in Ireland.

What matters is the type, stability, age, and which insurer you apply to first.

This guide explains how insurers actually assess cases and how to avoid costly mistakes.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 30 2026 5 min read Medical Issues & Life Insurance

Can You Get Mortgage Protection After an Abnormal Smear

Abnormal smear results don’t automatically prevent mortgage protection.

This guide explains how insurers assess smear grades and why order of application matters.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 29 2026 5 min read Medical Issues & Life Insurance

Mortgage Protection and Life Insurance After a Stroke or TIA (Ireland)

Had a stroke or TIA?

Many people can still get life insurance or mortgage protection in Ireland.

The key is understanding how insurers assess risk and applying in the right order.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 28 2026 5 min read Medical Issues & Life Insurance

Asthma and Mortgage Protection in Ireland (What Insurers Actually Care About)

Having asthma doesn’t usually stop you getting mortgage protection — but how you apply matters. Stability, not labels, drives underwriting decisions.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

4 min read Medical Issues & Life Insurance

Heart Conditions and Life Insurance in Ireland

When you have a heart condition, getting life insurance in Ireland is usually more straightforward than people expect.

The real problem tends to be applying to the wrong insurer first, which can trigger unnecessary medical reports or higher premiums that could have been avoided.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

5 min read Medical Issues & Life Insurance

Getting Mortgage Protection if You Have Autism

Most people with an autism diagnosis can get mortgage protection in Ireland at normal rates.

Autism on its own isn't an issue. What matters is how insurers ask mental health questions and choosing the right insurer first can avoid unnecessary delays.

With the right approach and a bit of guidance, securing Mortgage Protection if you have been diagnosed with autism should be straightforward.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 27 2026 5 min read Medical Issues & Life Insurance