Life insurance is life insurance, right?

Well, no.

It would make far more sense for insurers to create one singular type of life insurance to avoid confusion and complication.

But if we know anything, it’s that insurance companies love complexity.

So let’s try and decipher what’s going on.

A little birdie told me that you’re holding back on life insurance because you’re worried about discussing some health issues you have.

That’s awful, but I understand.

First, any insurance broker worth their salt shouldn’t make you feel uncomfortable about personal health issues, but I’m sure this won’t quell the fear.

So how about if I told you one of our rather clever insurers now offers an app that means your broker has ZERO access to your medical information.

That’s right.

With Appy, a new medical underwriting app, insurance advisors have less involvement in your medical history.

When we dive headfirst into life insurance, we tend to focus on all the things we can get from our policies.

Like how much money your family will get, what the policy covers, and most importantly, how much we have to hand over for the pleasure of knowing we're financially safe should the shit hit the proverbial.

You wouldn’t buy a house without knowing what it came with and how much your mortgage repayments are; tis the same for your life insurance policy.

But what about the things you don’t get?

You probably want all the deets on that too.

So, let’s get personal and work out what kind of life insurance exclusions you may be able to preempt.

Life insurance, mortgages, nasal hair clippers, Spanx.

I remember when these things were for old people.

Now I own three of the four (imagine life without Spanx!).

Now I am old.

But how old do you need to be for life insurance?

You know what life insurance is. You get why it is important, but which insurer will you throw your cash at like an Irish man let loose in Cheltenham.

Choosing a life insurance provider is a big deal, and none of us wants to screw up and pick someone who doesn't have our best interests at heart. I think that's why many of us avoid the life insurance game altogether. It's easier to bury our heads in the sand, right?

Wrong!

It's time to shake off any reservations you may have and back that horse (on the nose, none of those each way shenanigans) to finally give yourself and your fam some extra protection.

Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

The best time to purchase health insurance was before you turned 35. The second best time to purchase health insurance is today.

In other words, the longer you hold off buying it, the more expensive it gets, and there is nothing anybody can do to help you get it cheaper (unless you know a wild-haired doctor who drives a stainless steel car).

WARNING : There are three immediate threats to your family's safety. Death, illness and injury.

GOOD NEWS : You can plan against all three.

In this article, I'll show you how.

Cast your mind back to History class in school and the epic battles of our time. 

The Battle of Hastings.

The Siege of Stalingrad.

The Invasion of Normandy.

 Millions fought in bloody, awful wars.

And now we have the Battle of the Brokers, where a man on the internet will compare Life Insurance brokers so you can choose which one is right for you. 

It’s scintillating stuff, folks.

Nobody wants to think about what will happen when you exit stage left but, as boring as it can be, preparation is always key.

So you're paying your premium monthly towards your life insurance, serious illness cover and income protection, but what happens when you or your loved ones need to claim on that policy?