Is life insurance a big scam?

Do the insurers ever pay out?

These claim stats may surprise you.

I know what you’re thinking - Is this fella trying to turn away my business?

Obviously, that’s a big fat nope. I love helping you guys get the best bang for your mortgage protection buck, but I’m also going to be brutally honest so that you can get the best deal.

I’m doing this by shouting from the rooftops not to trust any online quote for your mortgage protection, even the quotes you may have got from my online quote predictor.

But why!? I hear you cry.

If mortgage protection from Irish Life is on your radar, you’ll want to know what makes them better than anyone else and what kind of benefits you can get from these boyos that you might not be able to get from anyone else.

First up is one of the biggies: Protection Flexibility

I'm not a betting man, but I'd bet a pound to a penny (or a euro to a cent) that you're on the road to owning your very own home.

Very exciting!

But let's hold off on the clinking glasses and welcome mats for now.

Because there are many other less exciting, some might even say boring, things that go hand in hand with purchasing a property.

The Irish property market is mental.

Prices have skyrocketed to the moon, and there are no signs of them falling back to earth.

I bet you’re feeling pretty darn overwhelmed and wondering if you’ll ever get a foot on that ladder or if you’ll spend your time sliding down slippery snakes.

In this blog we look at the help available to First time Buyer's specifically the Help to Buy Scheme.

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.

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?

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.