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Most people buy insurance policies such as Serious Illness Cover, Life Insurance & Income Protection to give them peace of mind in times of uncertainty. It’s difficult to think of any time more unprecedented and uncertain than 2020.

Planning on starting a family in the not too distant future or maybe you already have that due date marked into the calendar? If so, time to start thinking about how this little bundle will affect your life financially.

With rents continuing to soar in Ireland and in particular in certain parts of Dublin the dream of owning a home remains as strong for most people as it has ever been.

Can I get Life Insurance if my job is risky?

The answer is yes. You can get life Insurance, however you may face an increase in premiums compared to someone who is working in a desk job.

Trying to kick your smoking habit for 2020? Did you know that smokers can pay twice as much for life insurance as their non-smoking counterparts?

Your health is one of many things taken into consideration when you look to get life Insurance. It can significantly affect the premium you pay, however a pre-existing condition is unlikely to rule you out of getting a policy.

Citywide Financial Solutions team of insurance brokers can assist individuals suffering from Crohn’s disease to get the right life insurance cover for their unique requirements.

Mortgage Protection

Mortgage protection is a policy which pays the bank upon your death to clear your mortgage loan, hence the reason why the banks insist on you taking it out!

The short answer is yes, it is possible to get life Insurance however it is definitely harder to get it with a pre-existing condition.

Did you know that less than a third of Irish professionals currently have a pension plan? There’s always the state pension though, right? From March 2019, the State Pension in Ireland is €248.30 per week. For many this is a sharp decrease in what they have been used to earning in full time employment, hence the need to supplement the gap with a private pension.

Everyone has heard of Income Protection but is it something we should all have or is it a luxury if you have spare cash? The thoughts of being ill or injured at some point in the future and being unable to work is quite daunting. Life unfortunately can be quite unpredictable, so our advice would be to be prepared.

Inflammatory Bowel Disease

Citywide Financial Solutions assists individuals with IBD receive life insurance cover and other insurance protection packages.

Diabetes

Can I get life Insurance with Type 2 Diabetes

To simplify enormously, yes you can get life insurance even if you have been diagnosed with type 2 diabetes.

However, due to the nature of the condition, individuals with type 2 diabetes need to meet certain criteria to successfully qualify for life insurance.

Naturally enough, a major factor taken into account is the overall health of the applicant.

Patients with type 2 diabetes are expected to be properly monitoring the condition and eating a sensible diet. Most insurance companies will also expect an applicant’s HbA1c reading to be less than 9.

Mental Health Protection

Citywide Financial Solutions works alongside some of Ireland’s longest established financial institutions, and as such can find the right life insurance package for individuals with mental health conditions.

The flexibility of our brokers can help clients get the type of insurance cover that's appropriate for their specific requirements.

Clients can have our expert brokers get the right life insurance packages for your unique requirements. Call our offices today to schedule an appointment. 086 229 3032