Complete Financial Questionnaire

Life Insurance

Whole of Life Insurance that Pays for Itself

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.

How to Answer Life Insurance Health & Medical Questions

The life insurance company isn't trying to catch you out.

Yeah, yeah, I know you're a teeny bit sceptical but hear me out!

Currently, the insurers only refuse around 5% of all the life insurance and serious illness claims that they receive.

Or putting a more positive spin on it, they pay 95 in 100 claims. Not bad, eh?

Can I Get Life Insurance with a Pre-Existing Health Condition?

Don't worry, it's possible to get life insurance with a pre-existing condition but for your own sake, please use a broker who deals with ALL of the life insurance providers

I cannot stress how important this is.

If you approach a broker after you've been declined, postponed or had your premium increased then you have a problem as you'll face this question on all subsequent applications:

Value Added Benefits of Life Insurance

Imagine finding out you have cancer, or a brain tumour or multiple sclerosis.

Your world is falling apart, but who do you turn to?

Friends and family will be supportive, but they won’t have a clue about how you’re feeling or how to help you cope.

You can pay a visit to Dr Google and scare yourself with the half-assed advice you’ll find on a forum.

Or you can access the value-added benefits available for free on your life insurance.

Mortgage Protection Vs. Serious Illness Cover

When you're getting a mortgage, you have to get a mortgage protection policy and assign (pass ownership) it to the bank.

If you die, the policy pays out a big lump of money to the bank to clear your mortgage. That all seems fair enough.

However, and here's the sneaky part - if you add serious illness cover to your policy and make a claim on the serious illness (say you get cancer or suffer a heart attack), who do you think gets the money?


Pros and Cons of Multiple Life Insurance Policies

You can apply for multiple life insurance policies but it will entail a lot of form filling.

But is the extra hassle worth it?

Can you get a better cover?

Let's find out...

Life Insurance and Cannabis Use

High there

So I guess you’re here because you (or a friend) smoke weed or have done so in the past.

And you’re wondering whether you should disclose this on your application form.

Am I right?

Why Insurers Push Life Insurance Indexation (and why you should avoid it)

You'll be in the bank when they hit you with the big one: if you don't go with Life Insurance indexation, you'll leave your family with less money than you intended to.

They'll face a life of poverty.

Ending up sweeping chimneys and begging for scraps on the streets.

Okay, so I'm exaggerating – but the guilt trip is a mean trick for the bank to play on you.

Life Insurance indexation might seem like a good – even necessary – thing to add to your policy, but is it really in your best interest?

Life Insurance Options for Single People (without smelly kids)

There are two ways to skin this particular cat.

I could go through the reasons why a single person without kids would need cover:

- mortgage
- bills
- funeral costs
- student loan debt/private student loans
- credit card debt

But instead, I'll go through the types of life insurance options available to everyone and drill down on why they could be useful if you are single.

I am starting with my favourite and the cover that EVERYONE should have regardless of whether they are single or have children.

Pension Term Assurance – Life Insurance with Tax Relief

Do you want to save 40% on your life insurance?

It's easy.

Here's how.

Get in touch

057 93 20836

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Life Insurance Quotes - Free and Easy!

As Ireland's leading life 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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