Can you get mortgage protection in Ireland if you have diabetes?

Yes, in many cases you can. The outcome depends on control, complications, and how the application is handled.

Does diabetes always mean higher premiums?

Yes. How much more varies by insurer and individual circumstances.

Will the bank refuse my mortgage if I have diabetes?

No, the bank doesn’t ask medical questions during mortgage underwriting.

Should I apply to the bank’s insurer first?

Not necessarily. Applying to the wrong insurer first can make things harder later.

What should I do before applying?

Make sure your information is up to date and get advice before submitting an application.

Medical Issues & Life Insurance Archives

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

Life Insurance with Irritable Bowel Syndrome

IBS rarely prevents life insurance or mortgage protection in Ireland.

In most cases, cover is offered at normal rates.

Timing and how you apply matter more than the diagnosis itself.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 29 2026 3 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

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

Chronic Illness and Insurance in Ireland: What Insurers Actually Care About

Living with a chronic illness doesn’t usually stop you getting life insurance or mortgage protection in Ireland.

What matters is stability, how it’s managed, and which insurer sees your application first.

Apply in the wrong order and you can quietly make things harder than they need to be.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

6 min read Medical Issues & Life Insurance

Getting Life Insurance With Epilepsy

Yes — most people with epilepsy can still get life insurance in Ireland.

Outcomes depend on seizure type, stability, and applying to the right insurer first.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 23 2026 5 min read Medical Issues & Life Insurance