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...

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?

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.

Not many people know this, but we've been a life insurance broker in Tullamore since 1997.

Remember Talbot's Shop?

Mrs Talbot used to sell all sorts of sweets in quarter bags - you could call her the original Mrs McGuire.

Well, we bought Talbot's shop way back in 1997 and have been serving Tullamore ever since - that's a quarter of a century providing life insurance products to the local community in Tullamore!

Pension Term Assurance is a valuable tool for ensuring your family's financial security while taking advantage of tax savings.

For business owners, it’s an effective way to provide peace of mind without a heavy financial burden.

Are you:

struggling to understand funeral insurance
worried you're going to put the wrong cover in place
fed up trying to make sense of different quotes

If so, this article will help clear things up.

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)

Imagine you were diagnosed with a serious illness? How much would you value a free second opinion from one of the world's leading doctors?

If you have a policy with Aviva, you have access to just that.

Today is the day we're training to meet Mike Tyson in the ring.

If you ever did meet Tyson in the ring, there's a good chance you're not coming out alive.

So for this particular conversation Tyson is death, I'm your trainer and we're here to ready you for the day Tyson comes a callin'.

Hopefully, it never happens.

So we have the chats, talk about income replacement, see how much cover you need to take care of your family. We calculate a figure, discuss the different insurers, settle on a premium. You're happy, I'm happy. We put €1m cover in place, shake hands and hope for the best.

Two years later...

It may have come as a huge shock to be declined or postponed.

In this article, I discuss the reasons why this has happened.

And what you can do about it.