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We are remortgaging for 130000 euro. finding it hard to get mortgage protection because i had a heart attack 10 years ago. we both smoke. wife dob 22.09.1952. self dob 05.07.1951

Hi there this is a difficult situation as you are both high risk, e.g. you both smoke and you have a heart condition. which as i am sure you are aware is why so man y are turning you down. but all is not lost, you can get insurance the only issue is how much you would have to pay. the cheapest type of insurance you can get is "decreasing term", this will pay out enough to cover the outstanding mortgage balance. this type of policy is suited to a repayment mortgage where the loan outstanding reduces each year. a more expensive type is level term, this would pay out a fixed amount (e.g. €130,000) at any time during the mortgage repayment period. to get the insurance you can either go through an insurance broker or an independent financial adviser (ifa) ... this is a term used in uk, i am not sure if it applies to ireland. in closing this insurance is not going to be cheap, but with a good broker or ifa they will find anybody to provide the insurance. good luck