If you have a medical condition/history that means insurers are unable to provide cover, you can avail of an exemption to this requirement for your mortgage application under Section 126 of the Consumer Credit Act. You should approach your lender and they can tell you more.

A stay at home parent carries out multiple important roles – caregiver, chauffeur, cleaner – to the value of €44,000pa.* This is what it would cost to employ individuals to carry out these roles, something that might have to be done if you pass away. Can your family manage without you?

While this may be true, if you do not truthfully answer all questions at application, particularly on your medical status, it means there is a good chance that any claim you make on the policy will be declined.