It may have come as a huge shock to be declined or postponed.

In this article, I discuss the reasons why this has happened.

And what you can do about it.

Many people don't even think about shopping for life insurance until they actually have children, but it's a good idea to plan for the future by buying life insurance coverage when you're pregnant or even before you become pregnant.

Sooner rather than later.

Forget about all the other stuff, the buggy, the car seats, the multitude of What to Expect When You're Expecting books. Whether you buy them today or in three months time, the price won't change.

However, with life insurance, the cost of your policy can go from the normal price to multiple times that amount if you develop any complications.

I was woken up by a phone call telling me I’ve committed tax fraud.
They must have had the wrong number 'cause I don’t pay taxes

That's all I got folks.
I scoured the internet, and that is the best tax joke I could find.
Funny and Trump topical FTW

So what about the tax implications of a life insurance policy and all it entails?

Paying for insurance is a PITA.

Car insurance, house insurance, gadget insurance, pet insurance, life insurance, health insurance, the list is endless.

It's all a massive waste of money...until you make a claim and then it's the most important few quid you've ever spent.

I took a look at my own life cover recently to see if I could save a few bob so I thought it would be helpful to outline my thought process around changing it up into bite-size pieces.

Meet Bob.

Bob is 25. He likes to drink pale ale and enjoys taking me-time to moisturise his beard with special oils he buys off the internet.

Bob also really likes Nickelback and Coldplay, but he can’t admit that out loud because it’s not cool. Bob’s been doing some reading and has decided to get his personal finances in order: and top of his list is to look into Life Insurance.

As consumers, we're fascinated by comparisons.

We love knowing the best, the worst, and everything in between.

And having all the information in the world at our fingertips has made us even hungrier to find out all we can before we make a purchase.

So today, to save you from spending hours on the interweb trying to compare insurers, in this article I'll do it for you.

While Life Insurance doesn’t apply quite so literally, it’s still important as it protects your loved ones if you die during the term of your policy.

Human life can’t be repaired (well not yet anyway…give it a few years!) – if you die, you stay dead, but it’s vital for protecting your family.

Look, you know it’s important, and you’re pretty sure you need it, but you have questions. How about we start with the big one: “How does Life Insurance work?”

Despite how it sounds, Section 72 isn’t actually the name of a military base deep in America where aliens are being investigated. I mean it could be. CIA, don’t come for me.

Let’s try that again. In the context of Life Insurance: Section 72 ISN'T the name of a secret military base where aliens are being investigated.

Instead, Section 72 is a type of Life Insurance you can take out in Ireland to pay off Capital Acquisition Tax. Also known as CAT. Also known as ‘meow’.

Also known, more commonly, as inheritance tax.

Inheritance tax is the bogeyman of tax. It’s also fecking ridiculous. So let’s start by talking about that CAT.

These are unsettling and challenging times, with widespread financial impacts on people who may have lost their jobs or experienced a significant reduction in income.

I’m proud to say that, unlike some other parts of the insurance industry, the life insurance providers want to work with you if you are in this situation to find a suitable solution.

In this article, I look at the solutions on offer from each provider.

There's a very clever way of buying more life insurance cover yet paying less.

And it's so easy to do.

That's what I look at in today's blog.