Let me share a real-life story with you.

John, a retiree, thought he had his financial future secured with his whole of life insurance policy.

But when he received that dreaded review letter, everything changed.

Today, we'll explore how you can avoid John's predicament and ensure your coverage truly fits your needs

Picture it: a moonlit night, two lovebirds staring deeply into each other's eyes, whispering sweet nothings, and then suddenly, one of them asks,

Honey, do we have to pay taxes on our life insurance policy if one of us snuffs it?

Nothing like tax to ruin the moment, eh?

If you Google the most popular fears, you’ll get a list that looks like this:

1. Fear of public speaking.
2. Fear of death.
3. Fear of spiders.
4. Fear of darkness.
5. Fear of heights.

Which means that most people find the idea of public speaking scarier than death.

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.

When it come to bipolar disorder, you may think that the greatest concern of the life insurance company is death by suicide.

Generally people hear the word bipolar and immediately think that person is a danger to themselves.

As a result, you might think that someone who has had suicidal thoughts or attempts in the past will be declined for life cover...

Look, choosing a life insurance policy isn't easy.

But follow these quick tips and you'll be fine.

If not, I'm here to help.

She walked slowly into the room and looked John straight in the eye.

“I’m sorry, but I have bad news…”

John heard the word “cancer” then his own thoughts drowned out the words tumbling from his doctor’s mouth.

Okay, so you might think that Serious Illness Cover and Health Insurance are the same thing.

I mean, they’re pretty similar: insurance that covers you if you get sick – but that’s not entirely the case.

Think of it like Batman. So Batman is a bad-ass, but even he goes into battle with his trusty gadgets: his Batsuit, his Batmobile, and his utility belt.

In this metaphor, his Batsuit is Life Insurance: it’s his most important defence.

The ‘40s were a different time.

After the war had ended, in 1946, Camels, the cigarette company, ran an advert around the tagline ‘More Doctors Smoke Camels’.

The moral of their story was that smoking was cool although people had no real idea of the damage it could cause.

But here’s one for fact about smoking that 100% true: smoking will rob your pockets if you apply for Life Insurance in Ireland today.

So what else will cause your money to go up in smoke?

You can buy life insurance on a joint life or dual life basis.

With joint life, your policy pays out on the first death then your policy ends.

With dual life, your policy pays out on first death and cover continues for the survivor.