One of the big questions that seem to be coming up more and more when folks like yourself are starting their way on their life insurance journeys is whether genetic test results can affect your life insurance premiums.

Logically, you’d think they would.

Let's throw logic in the bin.

Finding a reliable solicitor in Ireland isn't an easy job.

It's like searching for a needle in a haystack, blindfolded, wearing boxing gloves.

Don't get me wrong, there's a rake of solicitors out there who have your best interests at heart and treat you like an actual person instead of billable hours, but it's not easy and can be pretty overwhelming.

So we've done the heavy lifting for you and made a list!

For millennia, philosophers have mused the difference between Life Insurance and Mortgage Protection.

Well, they haven’t, but I’m giving you the answer. 

Buying mortgage protection insurance should be quite straightforward.

But after taking advice from the bank, your friends, your family, your colleagues and some random you met down the vegetable aisle, your head is melted.

Don't worry, I'm here to set you straight.

Here's what you need to know before you sign on the dotted line for mortgage protection insurance:

You're almost there.

The bank has eventually given you mortgage approval.

You've found your dream home.

The vendor has accepted your offer.

Now all you need to do is meet with your bank and buy their mortgage protection, right?

Cohabiting couple.

It’s surely the unsexiest way of referring to living with your other half. Second possibly only to ‘living in sin’ – but even that has a certain ring to it, doesn’t it?

And sure, you might be perfectly happy in your unwedded bliss – but you do need to consider certain ramifications when it comes to tax.

Look, having a health condition sucks.

It just does.

But it shouldn’t affect your chance of getting a mortgage.

In some very extreme cases, the insurers will think the chances of you having to make a claim are too high and they’ll say no, but that’s rare.

Or they may postpone offering you cover, which isn’t the best news– but it’s not the end of the world as it’s a “not now” more than a firm “no way”.

The insurers underwrite applications on a case-by-case basis, but for now I’ll say this: the majority of people should have no problem getting Mortgage Protection.

However, getting Mortgage Protection with a health issue can take time so it can be a matter of urgency.

If you suddenly find yourself in the incredibly fortunate position of being able to pay off some of your mortgage due to:

careful planning,
an unexpected windfall
or Aunty Muriel’s sudden demise, what happens to your mortgage protection?

In this blog, we investigate your options.

I’m not going to tell you not to smoke.

I’m not your ma.

I’m also not going to tell you about the health risks, because we all already know. After all, we’ve seen the big rotten tumour on the fag packets.

I am going to tell you that smoking makes your Life Insurance premiums more expensive.

And don’t think you’re not included in this one too, holier-than-thou-vape-smokers. While your vape may smell like cotton candy or whatever notion-y flavour you’ve gone for, the insurers will charge you more too.

How much is mortgage protection insurance in Ireland?

The average cost of mortgage protection in Ireland is €23.46

And that concludes this blog post.

Have a nice life.

But what if you're not average, what if you're remarkable like most of our clients?

Well then my friend, I urge you to read on.