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Buying your own apartment or house is one of the most important dreams for many people living in Ireland. However, for many—especially those earning the national average salary—the road to securing a mortgage is exceptionally difficult. Why is that the case? Let’s take a closer look at several key reasons: High Property Prices The Irish […]

Smoking tobacco is one of the most significant health risk factors, and its consequences have a direct impact on life and critical illness insurance. Insurers consider the health habits of their clients, which is why smokers usually face higher premiums. Why do insurance companies care whether you smoke? When applying for life or critical illness

What is BMI and why does it matter? Body Mass Index (BMI) is a measure of body mass that measures the ratio of weight to height. It is commonly used to assess whether a person is at a healthy weight, overweight, obese, or underweight. Although BMI is not a perfect measure of health, many insurance

In 2025, savers in Ireland have the option of choosing between traditional savings accounts and private savings & investment accounts. Below is a comparison of these two options, highlighting their key features, advantages, and disadvantages. Savings Accounts Traditional savings accounts offer a secure way to store funds with low but steady interest rates. n Ireland,

Tips and Tools to Help You Spot Opportunities for Improvement, Set Financial Goals, and Better Manage Your Money Explore which resolutions you can implement in the new year and discover the positive changes they can bring in the future. Start Saving: Set a Goal and Plan a Budget Before you begin saving, think about what

How to plan financially for the new year? Every beginning of the year is a great opportunity to look at your finances from a new perspective and develop a plan that will help you achieve your goals. Here are some steps you should take to effectively manage your money in the coming year. Summary of

A case study: a comparison of the financial situation of a family in which working people have a life insurance of €150,000 and in case they do not have any life insurance.This case study can help illustrate the importance of having such financial security. This case study can help illustrate the importance of having such

Modern insurance companies calculate individual life insurance premiums based on advanced actuarial models that take into account various factors related to the risk of death and the characteristics of the insured person. Contributions are therefore individualized depending on many variables. The key factors influencing the insurance premium are: Age -The age of the insured person

In Ireland, diabetes, like other chronic diseases, affects the availability and cost of life and critical illness insurance. Most insurers classify diabetes as a chronic disease, which increases medical risk and may lead to higher premiums or limited coverage. Life insurance Premiums and Availability: Life insurance for people with diabetes often comes with higher premiums.

The concept of life insurance dates back to ancient times, although in the form we know today it began to take shape in the 17th century in England thanks to the establishment of the insurance association and mathematical work on its applicable management. The mathematical foundations of life insurance are based mainly on the risk