Guides & Research
Insurance Guides for Irish Consumers
Plain-English guides and original research on protection insurance in Ireland — personal protection, business protection, inheritance planning and the taxation of protection, alongside our mortgage protection and life insurance guides. Written by regulated advisers. Updated September 2026.
Personal Protection in Ireland
Ireland's definitive guide to the four mainstream personal covers — life insurance, mortgage protection, serious illness cover and income protection. What the State already pays before any policy is bought, what each instrument is built for, how cover is sized, structured, underwritten and claimed, and the failure modes that decide outcomes. Parts A–G, 32 chapters, worked examples and a full reference apparatus. First edition (MPP-2026-01).
95 min read
Inheritance Planning with Life Insurance in Ireland
Capital acquisitions tax crossed €1 billion in 2025, and the heaviest burden falls where the least planning happens. The two statutory funding instruments — the Section 72 whole-of-life policy and the Section 73 savings plan — from the quantified case to the claim: who has the problem, how cover is sized against the real computation (including the ARF charge most families miss), how it is structured, funded and kept alive, and how the exemption is actually claimed. First edition (MIP-2026-01), reflecting Finance Act 2025.
75 min read
Business Protection in Ireland
Ireland's definitive guide to business protection: key person (keyman) insurance, co-director and shareholder protection, partnership insurance, business loan cover and executive income protection — with worked examples, underwriting and claims. Twelve worked examples across Parts A–D and a full legislation, Revenue and Central Bank reference apparatus. First edition (MBP-2026-01).
85 min read
The Taxation of Protection in Ireland
How protection products are actually taxed in Ireland — premiums, proceeds and structures. Mortgage protection, term assurance, serious illness cover, income protection, whole of life, Section 72 and business protection, in 32 chapters with 20 worked case studies and a full legislation and Revenue reference apparatus. First edition (MTG-2026-01), reflecting Finance Act 2025.
90 min read
Pension Term Assurance in Ireland
Pension term assurance (PTA) delivers tax-relievable life cover for the self-employed and those with non-pensionable income. Donal Milmo-Penny QFA explains who qualifies, how the tax relief works and what it costs.
10 min read
Serious Illness Policy Terms, Definitions & Claims Likelihood in Ireland
Independent analysis of serious illness policy wordings across all five Irish life offices — cancer, stroke, heart attack, MS and CABG definitions compared side by side, with Irish epidemiology and 43 cited sources. By Donal Milmo-Penny QFA FLIA.
25 min read
The Switching Gap: Are Irish Homeowners Overpaying for Mortgage Protection?
Many Irish homeowners arranged mortgage protection years ago and never reviewed it. Donal Milmo-Penny of mylife.ie examines the Switching Gap — the difference between what people are paying and what they could pay — and how to review cover safely.
10 min read
Consumer Guide to Mortgage Protection Insurance in Ireland
A plain-English guide to mortgage protection — what it does, when it's compulsory, the difference between decreasing and level term cover, joint vs dual life, serious illness add-ons, cancer survivor rules, and why you don't have to buy from your bank.
15 min read
Consumer Guide to Life Insurance in Ireland
How much life insurance does your family actually need? This guide explains the mylife.ie method for sizing cover based on household outgoings — not salary — plus worked examples, joint vs dual life, serious illness cover, and why family protection should be separate from your mortgage.
15 min read
Understanding Underwriting
A plain-English guide to life insurance, mortgage protection and serious illness underwriting in Ireland. How insurers assess risk, what evidence they ask for, and what the common outcomes mean.
12 min read
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