Can you get life insurance in Ireland with a chronic illness?

In most cases, yes. The majority of chronic conditions are still insurable. Insurers usually care more about how stable the condition is, how it’s managed, and whether it affects day-to-day life than the diagnosis itself.

Will a chronic illness automatically increase my premium?

Not necessarily. Some people pay more, some don’t. Two people with the same condition can get very different outcomes depending on stability, treatment history, and which insurer assesses the application.

Can applying to the wrong insurer actually cause problems?

Yes. Once an insurer makes a formal underwriting decision, it usually has to be disclosed to other insurers. A poorly timed application can trigger extra reports, postponements, or loadings that didn’t need to happen.

Is mortgage protection treated differently to life insurance?

No. Mortgage protection is simply life insurance linked to a loan. The underwriting process is the same, and the same risks apply if you apply without checking insurer appetite first.

Should I apply directly to a bank or insurer if I have a chronic illness?

That’s risky. Direct applications don’t involve any pre-checking of underwriting appetite. Once the application is submitted, you can’t undo the trail it creates.

What’s the safest next step if I have a chronic illness?

Pause before applying anywhere. A confidential pre-check allows you to understand how insurers will view your case before anything goes on record.

Medical Issues & Life Insurance Archives - Page 2 of 5

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

January 27 2026 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

Life Insurance for Transgender People in Ireland

Life insurance in Ireland is assessed on health and medical history, not gender identity. For transgender applicants, the key factors are medical stability, ongoing treatment, and timing.

This guide explains how insurers actually assess applications and how to approach the process properly.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 21 2026 5 min read Medical Issues & Life Insurance

Life Insurance with Hepatitis

Life insurance and mortgage protection with Hepatitis in Ireland depend on the type of Hepatitis, liver function, viral load, and how stable the condition is.

This page explains how insurers assess applications in practice.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 20 2026 5 min read Medical Issues & Life Insurance

Life Insurance for Someone with Ephysema (COPD)

Are you wondering how to give yourself or a loved one the best chance of getting life insurance with COPD?

You've come to the right place.

We're the experts in arranging higher risk life insurance.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 19 2026 3 min read Medical Issues & Life Insurance

Mortgage Protection & Life Insurance with Neurological Conditions in Ireland

If you have a neurological condition, insurance decisions depend less on the label and more on stability, treatment history, and how they interpret risk.

This guide explains how mortgage protection and life insurance are assessed in Ireland for conditions like MS, epilepsy, stroke and Parkinson’s — based on real underwriting outcomes, not guesswork.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 17 2026 6 min read Medical Issues & Life Insurance

Life Insurance with Autoimmune Diseases

Most people with autoimmune conditions can still get life insurance in Ireland — even with flare-ups, steroids or recent diagnoses.

The key is choosing the right insurer. Here’s what actually matters (and what doesn’t).

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 27 2025 Medical Issues & Life Insurance

Life Insurance with High Cholesterol

High cholesterol isn’t the problem.

Picking the wrong insurer is.

I’ll match your case to the right insurer.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 26 2025 4 min read Medical Issues & Life Insurance

Life Insurance with Chronic Fatigue Syndrome

CFS/ME can leave you exhausted, foggy, sore and fed up.

Some days you function; some days you don’t.

Doctors can’t pinpoint a single cause, but viral infections and stress are big triggers.

Here’s what that means for life insurance and mortgage protection — and how hard it actually is to get cover.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 25 2025 4 min read Medical Issues & Life Insurance

Life Insurance with Depression (2025 Guide Ireland)

Life insurance can be a daunting task for anyone, but for those who are struggling with depression, the process can be even more overwhelming.

Our goal with this blog is to provide a source of empathy and support, as we understand the unique challenges that come with trying to obtain life insurance while managing depression.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 14 2025 5 min read Medical Issues & Life Insurance