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Life Insurance

Switching Life Insurance Companies: How and When to Change

Paying for insurance is a PITA.

Car insurance, house insurance, gadget insurance, pet insurance, life insurance, health insurance, the list is endless.

It's all a massive waste of money...until you make a claim and then it's the most important few quid you've ever spent.

I took a look at my own life cover recently to see if I could save a few bob so I thought it would be helpful to outline my thought process around changing it up into bite-size pieces.

What’s the Average Cost of Life Insurance for a 20/30/40 even 50 Something?

Meet Bob.

Bob is 25. He likes to drink pale ale and enjoys taking me-time to moisturise his beard with special oils he buys off the internet.

Bob also really likes Nickelback and Coldplay, but he can’t admit that out loud because it’s not cool. Bob’s been doing some reading and has decided to get his personal finances in order: and top of his list is to look into Life Insurance.

Inheritance Tax Life Assurance

Did you know we have one of the highest death taxes in the world here in Ireland.

It's more commonly known as inheritance tax.

It takes one third of what you intended to leave behind for your kids and gives it to The Taxman instead...unless you put a plan in place to pay that inheritance tax.

Compare Life Insurance Quotes 18 Ways!

As consumers, we're fascinated by comparisons.

We love knowing the best, the worst, and everything in between.

And having all the information in the world at our fingertips has made us even hungrier to find out all we can before we make a purchase.

So today, to save you from spending hours on the interweb trying to compare insurers, in this article I'll do it for you.

Life Assurance – How Does it Work?

While Life Insurance doesn’t apply quite so literally, it’s still important as it protects your loved ones if you die during the term of your policy.

Human life can’t be repaired (well not yet anyway…give it a few years!) – if you die, you stay dead, but it’s vital for protecting your family.

Look, you know it’s important, and you’re pretty sure you need it, but you have questions. How about we start with the big one: “How does Life Insurance work?”

What is Section 72 insurance?

Despite how it sounds, Section 72 isn’t actually the name of a military base deep in America where aliens are being investigated. I mean it could be. CIA, don’t come for me.

Let’s try that again. In the context of Life Insurance: Section 72 ISN'T the name of a secret military base where aliens are being investigated.

Instead, Section 72 is a type of Life Insurance you can take out in Ireland to pay off Capital Acquisition Tax. Also known as CAT. Also known as ‘meow’.

Also known, more commonly, as inheritance tax.

Inheritance tax is the bogeyman of tax. It’s also fecking ridiculous. So let’s start by talking about that CAT.

Postponed for Life Insurance: What it means and how to get around it

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.

COVID-19 Payment Breaks on Insurance Policies

These are unsettling and challenging times, with widespread financial impacts on people who may have lost their jobs or experienced a significant reduction in income.

I’m proud to say that, unlike some other parts of the insurance industry, the life insurance providers want to work with you if you are in this situation to find a suitable solution.

In this article, I look at the solutions on offer from each provider.

Why are Life Insurance Claims Not Paid?

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

How To Arrange Life Insurance (for less)

There's a very clever way of buying more life insurance cover yet paying less.

And it's so easy to do.

That's what I look at in today's blog.

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Life Insurance Quotes - Free and Easy!

As Ireland's leading independent insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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