You can buy life insurance on a joint or dual basis, but the difference matters more than most couples realise.

Joint life pays out once and then stops.
Dual life keeps protection in place for the survivor.

In most Irish cases, dual life (including mortgage protection) is the smarter long-term choice.

If your mortgage protection application has been postponed, it can feel like everything has ground to a halt.

Our guide explains what a postponement actually means, why it happens, and the realistic options available if you’re trying to draw down a mortgage in Ireland

Strictly speaking, your kids don't need life insurance.

You see, life insurance exists to replace the income of a breadwinner.

And if your kids are anything like mine, they certainly aren't winning any bread.

Eating it, yes and slowly bleeding you dry.

I have life insurance through work

Why do I need another policy?

Some people find it difficult to see the value of life insurance if there is no payout on death.

And I could bang on about things like peace of mind and the value of knowing your loved ones are ok should the worst happen

But instead, let's look at what I call living benefits of life insurance (or what you can get while you're still above ground)

Learn how common health issues like diabetes, mental health, obesity and family history can impact the cost, and sometimes the chances. of getting mortgage protection and life insurance.

We explain how to give yourself the best chance of cover.

You can get life insurance in Ireland with a pre-existing condition — the key is choosing the right insurer and applying in the right order.

Some insurers are far more understanding than others.

Here’s how to avoid unnecessary loadings, postponements or declines.

Think insurers never pay out?

In Ireland, they actually do — about 98 % of life insurance claims are paid every year.

This post breaks down the small print behind the 2 %, why claims sometimes get refused, and how to make sure yours isn’t one of them.

Nobody wants to think about what will happen when you exit stage left but, as boring as it can be, preparation is always key.

So you're paying your premium monthly towards your life insurance, serious illness cover and income protection, but what happens when you or your loved ones need to claim on that policy?

If you fancy yourself as the next James Bond and you’ve been wondering how your passion for adrenaline-pumping pastimes could affect your life insurance premiums, you’re in the right place.

Most people want to spend as little as possible on life insurance and mrotgage protection.

And that's fair enough, I'm one of them.

But if you spend your weekends lobbing yourself out of a plane, diving into the ocean deep, or spinning your wheels on the Motorcross track, then I’m pretty sure you're not going to quit those hobbies just to get a cheaper quote.

So how much more are you looking at?