Life Insurance

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?”
May 13 2020 5 min read Life Insurance

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.
March 25 2020 4 min read Blog Life Insurance

Why Choosing The Wrong Insurer Will Cost You A Fortune 

In today’s blog, I’m going to walk you through why choosing the right insurer is so important and give you some fire tips on how to get the right insurance for you.

Because nothing inspires faith quite like an insurance broker and his fire tips. 

🔥🔥
March 18 2020 6 min read Life Insurance

6 Reasons Why You’ll Wish You Sorted Your Life Insurance Out Sooner

Here’s the thing: if you have a family or dependents of any kind, you’d be a fecking eejit not to consider Life Insurance.

There, I said it.

A fecking eejit, no less. 

It’s simple: if you died, your income would disappear. Of course, your other half or kids would be devastated. But in cold, real terms, what happens after the dust has settled and they’re left struggling because you never got around to sorting insurance? 

Their financial security is the biggest motivation I can give you for getting Life Insurance, but let’s look at a couple more reasons too.
March 11 2020 5 min read Life Insurance

The Battle Of The Brokers: Which Life Insurance Broker Is Best?

Cast your mind back to History class in school and the epic battles of our time. 

The Battle of Hastings.

The Siege of Stalingrad.

The Invasion of Normandy.

 Millions fought in bloody, awful wars.

And now we have the Battle of the Brokers, where a man on the internet will compare Life Insurance brokers so you can choose which one is right for you. 

It’s scintillating stuff, folks.
February 19 2020 6 min read Life Insurance

How To Get Life Insurance With A Dangerous Job

Generally, there are two types of dangerous jobs:

Sexy, movie-type dangerous jobs such as bank robbers and ninjas and assassins, like in Mr and Mrs Smith, where Brad Pitt and Angelina Jolie try to murder each other a bunch. But, like, sexily.

And then there are insurance-type dangerous jobs.

Which: not sexy.

The kind of job that will make an insurer rankle and rub his chin and ponder,

- hmmm, now I don’t know about that.
February 12 2020 5 min read Life Insurance

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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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