Welcome to this latest edition of Lyons Insights.

First of all, we go back a bit in time and reflect on the introduction in 2015 of Lifetime Community rating to the Irish health insurance market. This was a significant change that still merits close consideration by anyone without health insurance today. This is followed by a piece that looks at some of the specific financial challenges faced by couples who are cohabiting as opposed to being married. Finally we've included a reflective piece about the importance of taking stock and being clear about exactly what you want from life.

We hope there is something of interest to you.

Roisin & the team at Lyons Financial Services