Introduction Every year, over 6,000 people tragically take their lives in the UK and Ireland. In this article, we’ll explore the complexities of securing life insurance after a suicide attempt and offer valuable resources for those facing this challenging situation. Understanding Eligibility To determine your eligibility for life insurance post-suicide attempt, insurers require specific information: Number and dates of suicide attempts. Any underlying mental health conditions. Treatments undertaken for prevention. External factors influencing the attempt. Securing Post-Suicide Attempt Insur ..read more

In this article, we address common queries from individuals applying for life insurance after being diagnosed with Gout. Questions addressed include: Can I qualify for life insurance with a Gout diagnosis? Why do life insurance companies consider Gout diagnosis? What information will insurance companies inquire about? What rate can I qualify for? How can I ensure I get the best life insurance for me? Can I qualify for life insurance if I have been diagnosed with Gout? Yes, individuals with Gout can often qualify and some may even qualify. However, it’s important to note that while Gout ..read more

Introduction: Life insurance plays a vital role in safeguarding our loved ones’ financial well-being in the event of our unfortunate demise. However, many individuals face challenges when applying for life insurance, particularly if they have a high Body Mass Index (BMI). Insurance providers often consider BMI as a risk factor, which can lead to the unfortunate outcome of declined coverage. In such instances, OneLife Insure is here to assist. As one of Ireland’s leading Life and Pensions advisors, we work closely with multiple insurers and understand their varying policies regarding high BMI a ..read more

Can I qualify for Life Insurance or Mortgage Protection if I have been diagnosed with Fibromyalgia? I have good news. It is possible to qualify for life insurance if you have been diagnosed with fibromyalgia. However, the terms of your policy and the premiums you will pay may be affected by your diagnosis. If you have been diagnosed with fibromyalgia, the insurance company may ask for more information about your condition and how it is being managed. They may also ask about any other medical conditions you have, as well as your family medical history. Each insurer has different underwriting g ..read more

Look who is back looking for more cover!! Last year we advised Santa on Life Insurance, and we tailored a family protection plan for him and Mrs Claus. They were delighted to get that sorted. This year Santa Claus came back to us to enquire about Income Protection. What is Income Protection for Santa? Income Protection will pay Santa a regular benefit if he was unable to carry out his job due to illness or injury. We were able to offer Santa flexible features to provide the right cover for him. As with all prospective clients, our job was to advise Santa on the most appropriate plan to suit h ..read more

In this article, we wanted to take a moment to answer some of the most common questions we get from clients wishing to apply for life insurance after having been diagnosed with Ankylosing Spondylitis. Can I get Life Insurance and Serious Illness Cover, I have been diagnosed with Ankylosing Spondylitis? What kind of information will the insurance companies ask me or be interested in? How much will the cover be? What can I do to help ensure that I get the most appropriate cover at the best rate? Can I qualify for Life Insurance and Serious Illness cover if I have been diagnosed with Ankylosin ..read more

Let me guess you have recently received a letter from EBS to inform you that they have sold your mortgage to Mars Capital Finance Ireland, which is one of the biggest foreign buyers of Irish mortgages in the aftermath of the financial crisis. You will also have received a letter from EBS informing you that they have stopped paying premiums to your Life Insurance/ Mortgage Protection. What does this mean to your cover? Firstly, let me explain what is happening. When you took out your Mortgage with EBS, you also took out your Mortgage Protection with them, and your premiums were part of your mo ..read more

Declined Mortgage Protection Insurance – Discriminating Banks will not offer you a mortgage as you have (or had) a health condition. There is a very urgent matter of banks and lenders discriminating and denying mortgage applicants the right to own their own home due to illness, disabilities and previous health conditions. So what is going on you may ask? In Ireland to obtain a mortgage you had to satisfy the bank/ lender on a number of criteria. 1. Your income should be secure. 2. You can provide evidence of affordability from recent rent and savings patterns that you can afford repa ..read more

Over the years OneLife Insure has had many interesting characters contacting us regarding Life Insurance, such as Santa Claus, and Harry and Megan to name a few, but none scarier than Freddy Kreuger. Yes, Freddy contacted our advisors this week, looking for a protection plan to be put in place. He was a complete ‘nightmare’ of a customer, very rude and we knew he was withholding information to us regarding his health and lifestyle. Freddy … We have all seen the movie. The importance of Full Disclosure We highlighted the importance of full disclosure to Freddy and the reasons why he must answe ..read more

A jacket worn by Buzz Aldrin’s historic first mission to the moon’s surface in 1969 was auctioned off to a bidder for nearly $2.8 million recently. Today the names of Neil Armstrong, Michael Collins and Buzz Aldrin will be forever remembered throughout history. These men and their families presumably have not had financial worries for a long time. However, that was not always the case. Before these heroes walked on the moon, they had a very serious financial problem to solve, which was trying to get Life Insurance. They were under no illusions that flying to the moon may have been the last th ..read more