It’s the dream that’s been drilled into your head since you were a kid. Grow up. Go to college. Graduate with a good degree so you can get a job and, eventually, a house of your own. (Probably after moving home with your folks and living on ham sandwiches so you can save the deposit.) Don’t stop believin’.

Or, to quote the iconic opening of Renton’s monologue in Trainspotting: “Choose life. Choose a job. Choose a career. Choose a family.”

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.

Eeek! The dreaded ‘New Years Resolution’ period is in full swing and if previous years are anything to go by most of us will be hanging up our newly bought gym ware, picking up the wine, and having buyers remorse when the postie lands a parcel the size of Everest at our front door by the end of next week.

But can your NY resolution affect your life insurance?

If you’re on this here blog, I can assume a couple of things:

you’ve bought or are buying a house and
you’ve either bought or are buying Mortgage Protection or Life Insurance because you have to.

I can also probably assume you’re a responsible adult – or at the very least, you’re very good at pretending, which as we all know: all the best people are.

Now, there is one thing you need to know. This one thing is either coming to you too late or just in the nick of time, depending on whether or not you now own a house.

The banks are great for mortgages, but they’re a rip off when it comes to Mortgage Protection...

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.

After months of stress with mortgage approval and finding a place you's like to call home, you're finally sale agreed and ready to close.

It should be a breeze from here.

All you need to do is arrange your home insurance and mortgage protection - your bank said that would only take a few days.

But what the bank failed to mention was the bajillion health questions on the mortgage protection application form and what would happen if you answered yes to any of them.

We bought a mid-terrace in Drogheda (Meath Part) in a really quiet and lovely neighbourhood. It has 3 bedrooms, a living room and kitchen and a small garden.

Because of our budget, we had to go for something structurally solid but still had a lot of stuff to be done by ourselves.

We lost bidding on the houses with less work ?

1 in 5 Irish people live in rented accommodation.

They need life insurance.

Here's why...

Remember that beautiful fully-furnished house you viewed and fell in love with?

Well, congratulations, it's your new home.

Sounds a bit empty doesn't it, a bit echoey?

That's because the feckers who sold the house took EVERYTHING, the only place to sit is the toilet and you're lucky they even left that.