If you're the main earner in your home and you've been flip-flopping over the idea of getting a life insurance policy, well, you're in the right place.

Life insurance is the only backup plan to protect your family financially and maintain the lifestyle you provided for them.

Whether you are the sole earner in your household or bring home more than your partner, you know how much your family rely on your steady income.

It keeps them housed, fed, clothed and watered.

Family life is expensive.

So, you’ve done it. You’ve hit the big four-oh

Welcome to the club!

Where did that time go?

Sure wasn’t it only last year that Jackie Charlton was leading the Irish team to glory, or Johnny Logan was asking all of Europe to hold him now?

Think you can't get life insurance because you're in your 60s?

Think again.

I can get you affordable cover as long as you have no major health issues,

Blood cell disorders impair the formation and function of either red blood cells, white blood cells or platelets.

Red blood cells transport oxygen to organs and tissues.

White blood cells fight infections.

Platelets help the blood to clot.

In this article we look at how each type of blood disorder will affect your application.

We all want to kiss our children goodnight and drift off to sleep safe in the knowledge they'll be OK if we don't make it through the night - or the next day!

So, why aren't more of us talking about life insurance?

Well, there are probably a bazillion reasons that are outside the scope of this blog, but here are the top 5 reasons we tend to shy away from this important topic.

What's your excuse, eh??

How much should you spend on life insurance?

Like it or not,  life insurance is a smart play for your family.

If you walk out in front of a bus, you're gone, and so is your income that they depend on for their future financial stability.

But, you might wonder how much you should spend on life insurance?

Are we talking about having to sacrifice nice days out with the fam, or just your regular morning caffeine hit?

These are totally valid questions. It seems like any hard numbers are, well, hard to come by no matter how much googling you do.

Don't even think about lying on your life insurance.

If you do, it will forever eat away at your conscience, and when you die, your family are screwed.

What if you're single and don't have kids?

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.

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.