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.