What should I do if I’m declined for mortgage protection in Ireland?

Pause before reapplying. Ask for the reason for refusal, review it with your GP, and get specialist advice before submitting another application, as repeat declines can make things worse.

Does a mortgage protection decline mean all insurers will say no?

No. A decline from one insurer, especially through a bank or cheapest-first application, does not automatically mean other insurers will refuse cover.

What’s the difference between being declined and postponed for mortgage protection?

A decline is a no. A postponement means the insurer wants to wait, usually because of timing, ongoing tests, or recent treatment. In many cases, postponements can lead to cover later.

What is a mortgage protection waiver and when does it apply?

A mortgage protection waiver is a bank decision that allows a mortgage to proceed without life insurance when cover isn’t available or is only available at a very high cost. It is not automatic and depends on the lender.

Is a mortgage protection waiver risky?

Yes. A waiver keeps the mortgage alive but leaves the borrower unprotected. If the unprotected borrower dies, the surviving borrower remains responsible for the full mortgage.

Life Insurance Archives - Page 4 of 6

Declined for Mortgage Protection. What Happens Now?

If you’ve been declined for mortgage protection, it doesn’t mean your mortgage is over.

This guide explains what to do next, how to avoid repeat declines, and when a waiver may apply.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 30 2026 5 min read Life Insurance

Cancer Cover is Possible (even if you can’t get serious illness cover)

Cancer-only cover isn’t a replacement for full serious illness cover, but it can be a useful fallback if full cover is declined, restricted, or too expensive.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 29 2026 5 min read Life Insurance

Life Insurance Without a Medical Exam in Ireland (2026 Guide)

Need life insurance but dreading a medical?

The good news: most Irish applications don’t involve one.

Medical exams are the exception, not the rule.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 26 2026 4 min read Life Insurance

Dual vs Joint Life Insurance in Ireland – Which Is Better?

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.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 22 2026 6 min read Life Insurance

Postponed for Mortgage Protection? What It Actually Means and What to Do Next

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

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

January 21 2026 5 min read Life Insurance

Children’s Life & Serious Illness Cover

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.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

December 1 2025 4 min read Life Insurance

Death in Service | Work Life Insurance Through Employer

I have life insurance through work

Why do I need another policy?

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 28 2025 4 min read Life Insurance

Life Insurance Extras: The Useful (and Useless) Add-Ons Explained

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)

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 27 2025 5 min read Life Insurance

What Illnesses Affect Mortgage Protection?

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.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 21 2025 3 min read Life Insurance

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

life insurance with a pre-existing illness text on image of open bottle of pills

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.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

November 20 2025 4 min read Life Insurance

Life Insurance

Declined for Mortgage Protection. What Happens Now?

Cancer Cover is Possible (even if you can’t get serious illness cover)

Life Insurance Without a Medical Exam in Ireland (2026 Guide)

Dual vs Joint Life Insurance in Ireland – Which Is Better?

Postponed for Mortgage Protection? What It Actually Means and What to Do Next

Children’s Life & Serious Illness Cover

Death in Service | Work Life Insurance Through Employer

Life Insurance Extras: The Useful (and Useless) Add-Ons Explained

What Illnesses Affect Mortgage Protection?

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

Get in touch

Don’t know where to start?

Life Insurance Quotes - Free and Easy!