Life Insurance Archives

Is Mortgage Protection Enough? Why You Might Need More Coverage

September 15, 2025

Buying a home is one of the most significant financial steps you’ll ever take. Along with the excitement comes a lot of responsibility, and that’s why mortgage protection insurance is required by lenders in Ireland.
Mortgage protection does an important job: if you pass away during the term of your mortgage, the policy pays off the outstanding balance. That means your family doesn’t have to worry about losing the roof over their heads at an already difficult time.
But here’s something many people don’t realise: mortgage protection only covers your mortgage. It doesn’t provide any extra money for your family’s everyday needs, education costs, or future plans. That’s where life insurance comes in

Compare Mortgage Protection Quotes Before You Say Yes to the Bank

September 9, 2025September 8, 2025

You’ve just had your mortgage approved, exciting times! But with that approval comes a legal requirement: you need mortgage protection.
If you’re like most people, your bank probably offered you a policy as part of the mortgage paperwork. It feels quick, easy, and part of the process, so many people just say yes. However, saying yes without comparing could mean you’re paying more than you need to, or missing out on better conditions elsewhere.
The important thing to know is this: you’re not tied to your bank for mortgage protection. Choosing a different provider won’t affect your mortgage application, and it could save you money in the long run.

Life Insurance for Funeral Expenses: Is It Worth It?

August 22, 2025August 11, 2025

We know it’s not the most pleasant topic to think about. Planning your own funeral isn’t exactly a dinner-table conversation, and for many people, it’s something they put off for as long as possible. After all, funerals aren’t something you typically budget for yourself.
However, if you have a family who depends on you emotionally, practically, or financially, it’s one of those difficult but necessary things to consider. Funeral costs in Ireland can reach up to €8,000, and without a plan in place, your loved ones could be left scrambling to cover those expenses at the worst possible time.
In this article, we’ll explore how your life insurance policy could help cover the cost of your funeral and how some policies in Ireland even offer an advance payment to take care of funeral expenses before the full payout is processed. It’s about making things easier for your loved ones when they need it most.

What If Your Diagnosis Is Wrong? A Free Second Opinion Helps

August 22, 2025August 5, 2025

Getting a serious diagnosis, like cancer, heart disease, or a rare condition, is scary. It’s normal to feel overwhelmed and unsure about what comes next. That’s why getting a second medical opinion can be so valuable.
A recent survey found that 80% of Irish respondents worried they, or a family member, might have been misdiagnosed, mainly due to concerns about staffing levels and strained resources within the HSE.
Most people don’t know that with a protection policy from Aviva, they already have access to world-leading medical experts at no extra cost. This free second opinion benefit could confirm a diagnosis, recommend alternative treatments, or even save a life.
In this post, we’ll explain how it works, who can use it, and why it’s one of the most valuable (but often overlooked) parts of your policy.

Free Bereavement Support with Your Protection Policy

June 16, 2025

Did you know some protection policies include free bereavement counselling?
When most people think about life insurance, they picture a lump sum paid out after someone passes away. And while that’s the main purpose, many don’t realise that some protection policies come with valuable support you can use while you’re still alive, especially during life’s most difficult moments.
One of the most meaningful of these is free bereavement support. Whether you’re dealing with the loss of a loved one or supporting someone who is, having access to professional counselling can make a world of difference.
In this blog, we’ll explore how protection policies can offer more than financial peace of mind—they can provide emotional support when it’s needed most.

Life Insurance for Homeowners in Ireland

May 19, 2025

Whether you’re buying your first home or already own a second property, life insurance is key to protecting your family’s future and ensuring they can stay in the home you’ve worked hard for—no matter what life brings.
Having the right life cover in place can mean the difference between your loved ones staying in the family home or facing financial stress.
In this blog, we’ll explore why life insurance is so important for homeowners, the different types of cover available, how it compares to mortgage protection, and how to choose a policy that suits both your mortgage and your family’s needs.

Everyday Expenses That Could Cost You More Than Life Insurance

November 18, 2024

Life insurance is often surrounded by myths, with many people assuming it’s too costly or not worth the effort right now. But what if it could actually cost less than some of your regular expenses? You might be surprised!
Let’s break it down and look at a few everyday expenses that cost the same—or even more—than life insurance, and how you could protect your family’s future for less than you think.

Life Insurance for Stay-at-Home Parents

January 10, 2025October 21, 2024

When considering life insurance, the focus often falls on the primary breadwinner. After all, their income provides financial stability for the family. But what about the contributions of a stay-at-home parent?

While they may not earn a salary, their role in keeping the household running—from childcare to managing daily tasks—is invaluable.

Without their support, the family would face emotional challenges and significant financial strain, as replacing their efforts with paid services could become a significant expense.

Avoid Taxes on Life Insurance Payouts for Cohabiting Couples

Cohabiting Couple? Protect Your Life Insurance Payout from Tax

October 14, 2024

If you’re living with your partner but aren’t married, you may not realise the impact inheritance tax could have on life insurance payouts. Unlike married couples, cohabiting couples in Ireland are treated differently when it comes to taxes, meaning a significant portion of your inheritance could be lost to the taxman.

Luckily, there are ways to protect your loved ones from hefty tax bills and ensure that the full value of your life insurance payout reaches your partner. In this article, we’ll walk you through the options available to cohabiting couples, so you can make informed decisions to safeguard your financial future.

Is Your Life Insurance Enough? Signs You Might Be Underinsured

October 7, 2024

When it comes to life insurance, many people feel relieved once they’ve secured a policy. It feels like a box has been ticked. It may seem like your family’s financial future is safe, however what if your cover isn’t enough? What if you think you’re fully protected, but changes in your life or finances mean the policy no longer fits your family’s needs?

If you purchased life insurance a while ago and haven’t reviewed it, or if your financial situation has changed, you could be underinsured. Here are some signs that your cover might not be enough to protect your family as planned.