We insure our homes, cars and phones without thinking twice, but we rarely protect the income that makes everything else possible. Many people in Ireland assume they’ll always be able to work, yet illness or injury can interrupt your earnings for months or even years. Income protection is an insurance policy that steps in if

Wondering if you need life cover, income protection, or serious illness insurance? You’re not alone – figuring out what kind of financial protection you actually need can feel overwhelming. But we’ve made it easier than ever with our free Risk Calculator. This simple online tool only takes a couple of minutes, and gives you a

When it comes to life insurance, many people in Ireland don’t realise that you can take out a policy on someone else’s life — and that it could be a powerful tool in protecting your finances. This is called a “Life of Another” policy, and it’s especially useful for unmarried couples, business partners, or anyone

When it comes to life insurance in Ireland, many people are surprised to learn that being labelled a “smoker” isn’t just about lighting up cigarettes. Even if you only vape occasionally, use nicotine gum, or haven’t touched a cigarette in months, insurers may still classify you as a smoker — and that can significantly increase

If you’re one of the thousands of Irish homeowners considering switching your mortgage, you’re not alone – and you might be making a very smart move. According to the Banking & Payments Federation of Ireland (BPFI), nearly 4 in 10 new mortgage approvals are from switchers – not first-time buyers. That’s a clear sign that

When Should I Apply for Mortgage Protection? If you’re buying a home in Ireland, Mortgage Protection is one of the key steps you’ll need to take before drawing down your mortgage — but many buyers aren’t sure when exactly to apply. Too early and things can expire. Too late and you might hold up your

If you’re applying for mortgage protection, life insurance or income protection in Ireland and you vape – or only smoke socially — you might be thinking: “Sure I’m not technically a smoker, right?” You’re not alone, we hear this all the time at Beat The Bank.  Many people are surprised to learn that even the

Let’s face it — nobody wants to think about life insurance or income protection. But the numbers from Royal London’s latest claims report show exactly why more people should. In 2024, Royal London Ireland paid out over €57 million in protection claims — helping real people through life’s hardest moments. And here’s the key stat:

When we think about insurance, most of us go straight to mortgage protection — and no surprise, it’s by far the most common policy we help people with here at Beat The Bank. But what if your income stopped tomorrow? How would you cover the mortgage, the car loan, the bills? That’s where income protection comes

💡 What is a Life of Another policy? It’s a life insurance policy taken out by one person on the life of another — often used when there’s a financial connection, such as a shared mortgage, business partnership, or inheritance planning need. 🟢 When is it relevant? 🏡 Cohabiting couples – To help cover potential