We very recently ran a survey about Life Insurance and one thing came to light that I want to tackle: a lot of people don’t trust the insurers to pay out.

And I get it: insurers can be tricky fellas, with watertight terms and conditions, complicated underwriting and confusing jargon. We all know someone who made a health claim that fell through or whose car insurance is sky high.

But here’s the thing: Life Insurance is a little different. Read my blog for more.

Some people like to know how much commission we make, others couldn't give a toss.

They're happy with the service and realise we don't work for nuthin'

But look, we've nothing to hide

Laya life insurance markets itself as no-frills life insurance, but is it a viable alternative to what's already on the life insurance market?

Medical science can spot a health issue so quickly that there seems to be hardly a healthy human left.

So don't be surprised if your insurer requests a medical report from your GP.

Here's why they need a PMAR...and how you can avoid them.

Only answer the questions the insurers ask.

No need to volunteer additional information.

If more information is required, it's up to the insurer to request it.

Imagine finding out you have cancer, or a brain tumour or multiple sclerosis.

Your world is falling apart, but who do you turn to?

Friends and family will be supportive, but they won’t have a clue about how you’re feeling or how to help you cope.

You can pay a visit to Dr Google and scare yourself with the half-assed advice you’ll find on a forum.

Or you can access the value-added benefits available for free on your life insurance.

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!