Guides & Research
Insurance Guides for Irish Consumers
Plain-English guides and original research on mortgage protection and life insurance in Ireland. Written by regulated advisers. Updated April 2026.
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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