News

Children’s Life Insurance

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Children’s Life Insurance
 
 

We regularly get asked here ‘can we buy life insurance for their children?’
 
 

The simple answer to the question above is that you can’t take out a Life Insurance policy on a child separately. However the good news is that, when you take out cover your children are insured as an extra benefit to your policy.
 
 

Every parent plans to outlive their children. If the unthinkable happened to your child, you would have one less thing to worry about during such a difficult time with a life insurance policy for him. That policy would cover the expenses of a funeral, which could run into the thousands if you had to pay for these costs on your own.
 
 
Life insurance for children can bring you the peace of mind you need. A life insurance policy valued at €7,000 would more than cover funeral costs should tragedy strike.
 
 

If this is important to you, please contact us so we can advise you on the most appropriate plan to suit your needs.
 
 
This free cover includes all of your children up to the age with some insurers
The amount of free cover varies also. Each insurer offers different amount of FREE cover for each children.
 
 


Zurich Life €7,000
Aviva €2,500
Friends First €5,000
Irish Life €7,000
New Ireland €4,000
Royal London €5,000
 
 

Serious Illness Cover for Children.
 
 
With two young children myself, writing this article is sending shivers down my spine evening, however the reality is that EACH YEAR IN Ireland over 200 children under the age of 19 are diagnosed with cancer. Thankfully, according to the National Cancer Registry, Ireland’s child cancer death rates are among the lowest in Europe.
 
 

When it comes to Serious Illness Cover for children, the good news is that they are covered for FREE under their parents policy. This is provided that the parents have Series Illness cover on their plan.
 
 

Like Life Insurance each insurer has different amounts of free Series Illness cover. The table below illustrates this.
 
 

Friends First: The lower of €20,000 or 50% of the parent’s illness cover amount. Max age of child is 21
 
 

Royal London: The lower of €25,000 or 50% of the parent’s illness cover amount. Max age of child is 21
 
 

Aviva: The lower of €25,000 or 50% of the parent’s illness cover amount. Max age of child is 21
 
 

Zurich: The lower of €25,000 or 50% of the parent’s illness cover amount. Max age of child is 21
 
 

New Ireland: The lower of €25,000 or 50% of the parent’s illness cover amount. Max age of child is 21
 
 

Irish Life: The lower of €25,000 or 50% of the parents illness cover amount. Max age of child is 25.
 
 
 
Additional Benefits for Children on Life and Serious Illness Polices.
 
 

The great news is that children also are covered with some great extra benefits such as Hospital Cash Cover, 2nd Medical Opinion Service, Guaranteed Insurability and more.
 
 
Remember, when taking out Life Insurance or Series Illness for yourself, you are really taking out a Family Insurance Plan.
 
 

It is vital that you are getting the plan to suit you and your family’s needs.
 
 

Please don’t hesitate to contact us, if you have any questions regarding Children’s Life and Series Illness Cover.
 
 

https://onelifeinsure.ie/contact-us/

Health Insurance Comparison

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[et_pb_section][et_pb_row][et_pb_column type=”4_4″][et_pb_text]If you haven’t reviewed your Health Insurance cover in the last 12 months, or if you have all your family on the same health insurance plan, you could be missing out on substantial savings. Our Health Insurance experts know their stuff and will do a health insurance comparison. Schedule a call and we’ll give you a call back to review your current health cover. We understand that, one size does not fit all when it comes to meeting the health insurance needs of your family. We at OneLife address the needs of each member of your family to ensure that all your needs are met.   Need help choosing the right Health Insurance for you?   With over 350 plans on the market, it is becoming extremely difficult to compare and find the best plan.   We are best placed to give you the right advice and select a package that is not only providing excellent cover but also provides great value.   FREE Comparison of Irelands private health Insurance plans.   We compare plenty of policies across our range of Health Insurance Plans, so you can rest assured you’re making the right choice.   Get the right Health Insurance with OneLife Insure>OneLife Insure.   OneLife offers you a FREE Health Insurance Comparison. We can offer you a variety of Health Insurance options to suit you and your family where required.     How it works • Step 1. Get acquainted Provide us with a few details and the type of Private Health Insurance you’re after.   • Step 2. Get fitted We’ll go through your options, comparing the benefits available to you.   • Step 3. Get covered Feel good in your choice, finalise and complete your application over the phone.   OneLife do NOT CHARGE A BROKERAGE FEE so the price the INSURER QUOTES IS THE PRICE YOU PAY If you haven’t reviewed your Health Insurance cover in the last 12 months, or if you have all your family on the same health insurance plan, you could be missing out on substantial savings.   Our Health Insurance experts know their stuff. Click here and we’ll give you a call back to review your current health cover.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]

What is Best Doctors® – Second Medical Opinion?

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OneLife Insure have conjucted with Aviva to provide you with Best Doctors® – Second Medical Opinion with every life insurance policy bought
 
So the big question – What is Best Doctors® – Second Medical Opinion?
 
 
– Best Doctors – Second Medical Opinion is a global organisation which brings the world’s leading medical expertise to you and your family offering a second opinion when you need it most.
 
– Best Doctors – Second Medical Opinion has a unique and well-renowned network of medical professionals. Having such expertise at their fingertips and supported by a truly caring service team, is the reason why thousands of people around the world turn to Best Doctors – Second Medical Opinion when they need it most.
 
– Best Doctors – Second Medical Opinion can help you with those questions that are likely to be racing around your mind if you were diagnosed with a serious illness
 

 
 
How you I get access to Best Doctors – Second Medical Opinion?
 
You and your family can get access to Best Doctors – Second Medical Opinion if you take out a protection policy with Aviva. All new life assurance, specified illness and income protection policies include access. The service is available to:
 
– you
– your spouse / partner
– your children up to the age of 18 (or 23 if in full time education)
– your parents and your spouse’s / partner’s parents
 
How does the Best Doctors – Second Medical Opinion service work?
 
1. Case received by Best Doctors – Second Medical Opinion
If you or an eligible family member has been diagnosed with a serious medical condition and would like access to the opinion of world leading experts, you can contact Best Doctors – Second Medical Opinion at any time by calling them on 1800 882 342.
 
2. Information gathering
One of Best Doctors – Second Medical Opinion medical professionals is assigned to work with you to identify the medical issues, collect the signed Best Doctors’ – Second Medical Opinion medical release form and your relevant medical records plus support and update you during the process.
 
3. Information analysis
Best Doctors – Second Medical Opinion multidisciplinary panel of doctors analyses all the clinical information and identifies the key medical issues affecting you. The panel creates a clinical summary which includes: medical history, additional questions and relevant medical records.
 
4. Expert search
A specialist considered to be the most appropriate by Best Doctors – Second Medical Opinion is identified to review the diagnosis and treatment of the particular condition. The expert is selected from the Best Doctors – Second Medical Opinion database of 53,000 peer reviewed specialists.
 
5. Diagnosis and treatment recommendations
The selected Best Doctors – Second Medical Opinion specialist reviews the summary and supporting materials including pathology, MRIs, etc. The specialist sends a detailed report to Best Doctors – Second Medical Opinion with diagnosis and treatment recommendations.
 
6. Best Doctors – Second Medical Opinion report and follow up
The diagnosis and treatment report is then sent to you (and your treating doctor if requested). The Best Doctors – Second Medical Opinion medical professional assigned to the case reviews the report with you.
 
 
For more information click here to get in touch with of our expert memebers of staff

Life Insurance for Overweight People

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Life Insurance for Overweight People
 
Something not many of us consider when buying a life Insurance plan is our height and weight.
 
Life insurance is one of the best investments that can ever make for the future of your loved ones. It’s one of the only ways that you can guarantee that they have the money that they need, regardless of what happens to you.
 
Life insurance and BMI may not even seem like an issue for someone who is healthy and has an average weight, but it actually affects everyone.
 
Can Overweight People Get Affordable Life Insurance?
 
 
Yes, in most cases you can, as insurers are quite forgiving when it comes to pricing life insurance for overweight people…and some insurers are more lenient than others too.
 
If you have a Body Mass Index of 33.5 or less, we should find you cover for the same price as everyone else.
 
Insurance companies underwrite life insurance for overweight people on a case by case basis depending on age, whether you smoke, if there are other weight related health issues etc.
 
Recently we succeeded in getting Life Insurance at the standard price for a man who is 6ft 2 and 19st 7lb stone. He had a BMI of 35.1 He was a Munster Rugby Player and trained nearly every day and lifted weights on a weekly basis. We had to argue his case but we got him standard rates eventually.
 
The average person’s Body Mass Index (or height to weight ratio) is about 26. However even if you have a Body Mass Index of up to 45, we are still confident that we can find you life insurance.
 
We specialise in finding life insurance for overweight people, as well as critical illness insurance and income protection.
 
So, just because you’re overweight, don’t assume you will have a loading (increase) in your premiums.
 
We are experts in knowing which insurers will consider your application, given your high body mass index, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.
 
If you have an existing plan, and you were loaded because of your weight, give us a call and we will review your plan and we will do our best to get your premiums lowered.
 
If you’re worried about your weight affecting your life insurance, call us here.
 
As experts in this area we will hopefully get you affordable cover…
 
..or click here to complete the short enquiry form below and I will get back to you as soon as I can.

Can I get Mortgage Protection with Diabetes

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Can I get Mortgage Protection with Diabetes?
 

 
Yes you can!
 
 
Premiums on mortgage protection for people with diabetes are likely to be higher than for those without the condition, some insurers may even decline your application.
 

 
If you have diabetes and have applied for mortgage protection in the past then you will know how difficult it can be. This is where our team of Mortgage Protection experts can assist – we’ll help you to find the best cover for you at the right price. Luckily for you will know the insurers that are more lenient to those with diabetes.
 

 
We aim to save you money on the premiums that you pay for mortgage protection by searching the market to find you the best Mortgage protection provider.
 

 
Our expert advisors have experience with getting cover for clients with diabetes so we understand what you need and we are here to make sure that you get it.
 

 
How does diabetes affect your mortgage protection?
 

 
It is possible to get mortgage protection if you have been diagnosed with diabetes, but your premiums will depend on the severity of your condition and your HbA1c readings.
 

 
Most people with diabetes who are applying for mortgage protection will find that their premiums will be loaded by the mortgage protection provider.
 

 
This is why mortgage protection underwriters will assess your diabetes based on a number of key factors and measurements, such as:

     

  • Age of diagnosis
  • Most recent HbA1c reading
  • Details of all blood sugar tests, kidney function tests, urinalysis & cholesterol
  • Type of diabetes
  • Medication (e.g. diet, metformin or insulin)
  • BMI
  • Existing diabetes complications
  • Records of treatment

 

 

You may find that certain insurance providers previously declined you for mortgage protection because of your diabetes. This does not mean that every insurance provider would decline you, so it is important to speak to one of our experts to ensure you apply to the best insurance provider for you.
 

 

It is very important for anyone with diabetes to apply to insurance providers with strong underwriting for your condition. Our team of experts know exactly which insurance provider will be the best for you and it is our job to make sure that you get the best cover in place at the right price.
 

 
Critical illness cover for diabetes
 

 
Over the last several years there has been a move towards more flexible underwriting for critical illness cover with diabetes.
 

 
Unfortunatly it is still extremely difficult to get Serious Illness cover for those with Diabetes. We are constantly working with mortgage protection providers to help improve underwriting for critical illness cover for people with diabetes.
 

 
As a diabetes life insurance specialist we are constantly working with insurance providers to develop new products and help them to improve underwriting for you.
 

 
 
 
 
What is the application process for mortgage protection with diabetes?

     

  • Get a quote online (www.onelifeinsure.ie/life-insurance/) or get in contact with us 01-5390410 or tom@onelifeinsure.ie
  • We will advise you on the most appropriate plan.
  • No forms to fill in- Quick and Easy Application Process. Completing your application couldn’t be easier, there are no forms for you to fill out. You can complete your application over the phone in about 5 minutes and sign it securely online in minutes.
  • During this call we will complete a diabetes questionnaire. The more information we give the insurer at the application stage the better.
  • The mortgage protection company will probably request a report from your doctor.
  • We will bring the policy back to you with the underwriting decision and from there we will add the finishing touches to your cover

 

 
Finally

 

 
As I mentioned already, it is difficult to get cover if you have diabetes, but my advice is to contact us, let us do the hard work for you and I will be confident that I can get you a decent amount of cover to suit your budget.
 

 

Life Insurance

or contact us via this contact form and we will respond as soon as we can.

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Does Vaping Affect Your Life Insurance Premiums?

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Does vaping affect your life insurance premiums?

If you have used a vape pen for 12 months, you can now get non smoker rates.
 
 
The answer is yes and no as it depends on the insurance company whether they declare you as smoker and charge you first class rate or not.
 
Here at Onelife Insure we have over 25 years of experience and we will help you in finding the most cost efficient quote and vaper friendly insurer
 
 
Did you know:
 
 
– There are still over 850,000 smokers in Ireland and 1 in 2 smokers continue to die from tobacco
related disease, losing an average of 10 years of life!
 
 
– If you are classed as a smoker in your current policy, you can save up to half of what you
currently pay for your life insurance by giving us a call
 
 
Are they safe?
 
Many people have a think of vape pen as being the non-harmful replacement of regular cigarette which is somewhat true. Vapors contains nicotine which is addictive.
To conclude, Yes vaping is safe certain limit as it doesn’t contain tobacco.
 
 

How can we help?
 
 
At OneLife Insure we have a team of highly experienced and trained staff who we believe are the top in the industry.
 
If you would like to save money on your premium then simply fill in the quick quote and get a call back or skip the queue and call us at (01) 539 0410