Will insurers really check my medical records?

They can — and frequently do at claim stage. They may also request GP reports during underwriting. If your records contradict your application, that’s grounds to void the policy for non-disclosure.

Is an honest mistake the same as lying?

No, unless it’s a blatant lie to get around hard questions.Insurers look at material non-disclosure — information that would have changed the decision (accept/decline/ratings).

Can I still get cover after a refusal?

Often, yes. Different insurers have different appetites. Timing, treatment, and better evidence can help. For mortgages, a waiver request is an option if protection isn’t possible right now.

What products should I consider if health is complicated?

Start with the essential need (e.g. mortgage protection or life insurance ). Depending on goals/budget, review income protection and serious illness cover . Each has different underwriting and benefits.

What if I already lied on an old policy?

Act now. Don’t cancel anything until you’ve put proper cover in place. We can review your situation and try to replace the policy with one that should pay out.

Life Insurance Archives - Page 6 of 6

Life Insurance

Lying on Life Insurance – What Happens?

Lying on a life insurance or mortgage protection form might feel harmless — but it’s the #1 reason claims get declined.

Irish Life paid 99% of death claims in 2024. The 1%? All due to non-disclosure.

Here’s what really happens if you “massage” your application.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

September 9 2025 4 min read Life Insurance

5 Warning Signs You’re Underinsured | Life Insurance Ireland

Only have mortgage protection? Haven’t reviewed your cover in years? You may be underinsured. Here are 5 warning signs and how to fix them.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

August 4 2025 3 min read Life Insurance

Life Insurance Exclusions Ireland 2025 | What’s Covered & What’s Not

Think life insurance always pays out?

Not quite.

Learn about the only real exclusion in Ireland — and what to watch out for on serious illness and income protection.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

July 25 2025 3 min read Life Insurance

Newlywed’s Life Insurance | The Essential Guide

You’ve just got married, and you’re already thinking about your other halves’ potential death.

How very Henry the VIII of you.

In all seriousness, getting married is a big deal. Of course, it is – there’s nothing quite like standing up in front of your friends and families and pledging your love to someone forever.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

February 6 2025 Life Insurance

Pension Term Assurance: A Guide for Business Owners

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.

Nick McGowan - QFA RPA APA Qualified Life Insurance Advisor

June 11 2024 4 min read Life Insurance

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