Many people don't even think about shopping for life insurance until they actually have children, but it's a good idea to plan for the future by buying life insurance coverage when you're pregnant or even before you become pregnant.

Sooner rather than later.

Forget about all the other stuff, the buggy, the car seats, the multitude of What to Expect When You're Expecting books. Whether you buy them today or in three months time, the price won't change.

However, with life insurance, the cost of your policy can go from the normal price to multiple times that amount if you develop any complications.

It depends on the relationship between the dead person and the person getting the moolah.

If you're married, there is no tax liability.

Let's look at the case of JR and Sue-Ellen.

Sue Ellen had a life insurance policy in her name for a cool €10 million.

Paying for insurance is a PITA.

Car insurance, house insurance, gadget insurance, pet insurance, life insurance, health insurance, the list is endless.

It's all a massive waste of money...until you make a claim and then it's the most important few quid you've ever spent.

I took a look at my own life cover recently to see if I could save a few bob so I thought it would be helpful to outline my thought process around changing it up into bite-size pieces.

Meet Bob.

Bob is 25. He likes to drink pale ale and enjoys taking me-time to moisturise his beard with special oils he buys off the internet.

Bob also really likes Nickelback and Coldplay, but he can’t admit that out loud because it’s not cool. Bob’s been doing some reading and has decided to get his personal finances in order: and top of his list is to look into Life Insurance.

As consumers, we're fascinated by comparisons.

We love knowing the best, the worst, and everything in between.

And having all the information in the world at our fingertips has made us even hungrier to find out all we can before we make a purchase.

So today, to save you from spending hours on the interweb trying to compare insurers, in this article I'll do it for you.

Many people view life insurance as nothing more than a transaction—you give the insurer money, and the insurers pay you money if you die.

But what if we saw it as more than just paperwork?

What if we saw it for what it really is – a protective bubble around your family finances, ensuring the ones you love the most are secure regardless of what happens to you?

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.

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.

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.

Some things will make you sit back and take stock of everything.

Getting married.

Having kids.

Those are the good ones.

But the flip side is correct, too: getting fired, a sudden death, cancer, or an accident can leave you reeling.

Especially if it’s something like a car crash that can hit so entirely out of the blue.