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The Life Insurance Market
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Elderly people hoping they won't need to claim on their critical illness cover should try to eat more healthily.
The advice comes as new research confirms a good diet can help us live a longer life.
The Journal of the American Dietetic Association has published a study which compared the eating habits of 2,500 Americans of an elderly age group.
Researchers found that individuals with a 'high fat' diet are 40 per cent more likely to die over ten years time, compared to people who ate 'healthily'.
Scientists carried out the study by dividing food preferences of participants between 70 and 79, into six types of food.
Lead scientist Dr Amy Anderson, thinks these results suggest older people who eat according to guidelines on healthy eating may have a lower risk of mortality.
But since diets affect everyone in different ways, critical illness cover would protect you financially against illness in later life. 
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Life insurance cover should be considered by more UK residents, as new data show survival rates for cancer are lagging behind those of other countries.
The Department of Health says that research now shows major gaps between cancer survival in Britain, compared to other developed nations worldwide.
The damning study suggests thousands of patients in this country could be dying prematurely each year from the most common forms of cancer.
Alarmingly, survival rates England, Wales and Northern Ireland are more than ten per cent lower compared to Australia, Canada and the rest of Europe.
This shows just how beneficial life insurance could be.
The UK is said to have the worst lung, breast and bowel cancer five-year survival rates out of the six countries studied, which covered nearly 2.5 million cancer patients.
Critical illness insurance and cover from life insurance would ensure the financial livelihood of you and your loved ones, should the worst happen. 
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Sickness insurance could become more popular among consumers as winter illnesses continue to do the rounds in Britain, and the search for a 'cure' for flu, goes on.
Seventeen people have died from flu this winter, including 14 from swine flu, according to the latest figures published by the Health Protection Agency.
Figures from the Agency released last week show just 40 per cent of people in 'at risk' groups under 65, are taking up the offer of vaccination.
Dr Catherine Hood is an advisor to an anti-viral hand sanitizer.
She says that people should still take precautions even if they get vaccinated, as the measure "will provide good but not perfect protection against influenza."
To prevent the spread of influenza, Dr Hood recommended that people wash their hands on a regular basis.
Sickness insurance would provide protection against the short-term illnesses like influenze. 
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Critical illness insurance should be sought after by more Brits, as people are advised to enjoy the benefits of midday sun, without letting it cause skin damage.
Leading health groups and charities have this week encouraged people to enjoy the midday sun for a few minutes, in order to produce more vitamin D.
The British Association of Dermatologists (BAD) agreed with this idea but urged people to find out about their skin type to prevent burning.
Spokesperson for the body, Kimberley Carter describes burning as "the major risk factor for melanoma", which causes three-quarters of skin cancer related deaths.
She says: "On a sunny day people with fair skin may burn very easily and in a very short amount of time."
Because skin cancer can be unexpectedly contracted, even in a country as rain-soaked as Britain, critical illness insurance would provide financial assurances to you and your family, should the worst happen. 
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Here at Lifesearch we want you to get the best value out of your life insurance premiums, which is why we've launched some tips for you to make part of your New Year's revolution.
This New Year, after all the celebrations are done, you should consider switching your cover, to ensure a happy and healthy 2011.
That's because a price war is continuing between providers with life insurance seeing a drop in the cost of premiums.
By not taking advantage of this people could be wasting their money by not reviewing their policies.
Another tip Lifesearch suggest is re-broking your policy if you've given up smoking for more than 12 months, as you could save hundreds with a cheaper life insurance premium.
LifeSearch senior policy adviser, Matt Morris says while price is important, its still vital consumers are "looking at the product which most suits individual circumstances and offers additional benefits." 
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Critical illness cover could be needed to provide assurances over the Christmas period, as the persistent cold weather continues to push National Health resources to the limit.
The NHS have this week reported shortages of staff, record calls to emergency ambulances and a diminishing of crucial blood supplies.
While its important lessons are learned from what the NHS is currently up against, the Royal College of Nursing thinks winter planning must be improved in future.
Income protection customers would have greater peace of mind when being treated by a National Health service currently appealing for blood donations.
And because of the difficulties facing the health service meaning patients could be in care for longer, critical illness cover would provide peace of mind for the financial livelihood of your loved ones. 
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I have just learned a heart-warming lesson about the value of buying with advice. The point that the businessmen and regulators who preach commoditisation and simplification miss, is that when things go wrong; having a pro on your side is utterly priceless. While others queue and get rebuffed you glide through.
You see I was booked on flight out of Heathrow on Saturday, and along with, they say, 1m others, a snow storm and some pretty pathetic prep by BAA put my life in limbo. When my flight was cancelled I took the tube. It was packed with people of all nations, happily comparing stories. I met Lowrie Boyce, who was on his way back to his Belfast home from charity work in Myanmar and 50 hours into his journey, (and if any Irish reader knows Lowrie please send him my best, he is a remarkable man!). We chatted as the tube crawled towards London and tried to sort ourselves out before we crept underground. I rang my travel agent. I had not gone direct, or dealt online, I had used Trailfinders, and within a few minutes they had grabbed me the next and last seat available to Cape Town before Christmas. It is peak season down there so I am seriously pleased with the result. Others on the tube were holding endlessly for airline call-centres worldwide and trying to get answers from websites, but because I used a professional intermediary, because I took advice and bought carefully; I had help. Educated, talented and customer focussed help and now I sit typing this praying that the snow and BAA won’t combine to repeat the shutdown, and thanking my lucky stars I bought through professionals. They’ve even suggested I go on stand-by tonight as the disruption may mean that flights that look full are not and the snow might arrive tomorrow. Great advice! I’ll never travel through any other firm now.
In protection we demonstrate the value of professional intermediation, when we sort out each DD foul up, each bank error, each divorce, and particularly each claim. Some claims we just hand hold, others we speed up and a few we fight for clients in danger of being mistreated by organisations to big for them influence properly, but who will listen intently to us as important business partners and forceful representatives of an unhappy claimant.
Nowhere in any regulation have I seen this value acknowledged, the value of service and customer focus. Rather our governors and regulators and business leaders are bankers and management consultants, used to multinationals and giant institutions that require scale and uniformity in any solution they endorse. They cannot fathom the personal touch, because it is variable, sometimes brilliant, sometimes not. They cannot imagine buyers selecting middlemen well on the whole and professionals applying diligent effort in suitable way. Rather they must have everything in bands and tiers, that their market research can prove to them creates uniformity, even as the ombudsman parades 1000’s of cases of evidence that this uniformity offers no better surety of a good consumer outcome.
We professionals are better for consumers than their institutions; Trailfinders versus BAA showed me that again. Yet there seems no chance of the current regulatory team realising that the solution lies in making professional advice more widely available and then improving it steadily, rather than taking the knife to it. The current regulatory trend is a travesty. It will fail consumers. Again.
Tom Baigrie
LifeSearch
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Life insurance quotes could be set to become even better value in year to come thanks to a new development in the treatment of prostate cancer.
A pioneering form of body scan could help doctors determine when men with slow-growing prostate cancer requires treatment.
The diffusion-weighted magnetic resonance imaging (MRI), provides a more patient-friendly and reliable method of monitoring prostate cancer, compared to biopsies.
Biopses are painful, invasive and carry side effects - while the prostate-specific antigen blood tests used, can be prone to inaccuracies.
Professor Nandita deSouza, from the Institute of Cancer Research thinks the technique "could one day save men under active surveillance from the discomfort and potential complications of regular biopsies."
For the meantime cover such as income protection would help cancer patients having to go under such difficulties in treatment. 
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Taxpayers in the UK may want to compare life insurance for peace of mind, as a national newspaper finds many patients are having treatment denied because of public spending cuts.
The Daily Telegraph newspaper finds many thousands of patients are being told they can't undergo standard routine procedures because of the cutbacks scores of NHS trusts are making on surgery.
Operations being held back on include hip replacements, wisdom tooth extractions, and cataract removals.
The newspaper also claims smokers and obese patients are being told they won't be offered surgery until they show they're changing their lifestyle choices.
Critical illness cover would provide financial cover for you and your loved ones if getting an operation for an illness is proving difficult.
This could even help pay for private health care should the issues with national health continue. 
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Last week we brought you the news that income protection could be needed by many Britons, as the UK is said to be home to the most obese adults in Europe.
Reacting to the news, one expert has offered advice on how to keep obesity-related illness and claims on income protection to a minimum.
Spokesperson for the British Dietetic Association (BDA), Anna Raymond, thinks the best place to start improving lifestyle habits is by using willpower at the staff Christmas party.
She says that while its ok to eat at the party, don't go back for seconds and remember there'll be a lot of alcohol consumed over Christmas too.
For those without income protection or critical illness insurance, it's worth remembering alcohol is responsible for more than 15,000 deaths each year in the UK. 
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People who compare life insurance in the future could find that the cost of cover will fall dramatically, should Brits heed new advice on eating healthily.
Research from Oxford University suggests around 33,000 lives per year could be saved if Brits stuck to guidelines on healthy eating.
Co-funded by the British Heart Foundation, the study shows that eating five pieces of fruit and vegetables every day, while following recommendations on salt, fat and fibre would dramatically reduce coronary disease.
Heart-related illnesses would account for 20,000 of these fatalities, while the remaining amount would be saved by avoiding befalling conditions like cancer and stroke.
While this is good news for the cost of life insurance quotes, the decision to compare life insurance would be the first step to financial security for you and your loved ones – whatever the future holds. 
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Critical illness cover should be a serious consideration for millions of British consumers, as new research reveals the UK is the most obese nation in Europe.
The Association of Public Health Observatories has published figures which show Britain is also home to the unhealthiest region in the continent, the West Midlands.
Data from the study shows two million adults, the equivalent of 29 per cent are obese. Meanwhile the North East of England was named in second place.
The West Midlands ratio is double that of the average level found in the EU.
Critical illness cover would provide financial assurances against obesity-related conditions like cardiac problems and type two diabetes.
It may even be worthwhile for people to compare life insurance, with the long-term consequences being life-threatening in some cases. 
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Life insurance quotes could be set to become better value in future, as it's been claimed once more this week that improving our lifestyles could help ward off cancer.
Last week we brought you the news that more than a third of people quizzed in a Cancer Research survey say they felt contracting the disease is a matter of 'fate'.
Reacting to the news, leading cancer charity Tenovus thinks it's concerning this amount of people see cancer as something completely down to chance.
Head of research at Tenovus, Dr Ian Lewis, says: "It has been estimated that around half of all cancers could actually be prevented if people made better lifestyle choices."
Life insurance quotes could also become more generous thanks to funding of more than £25 million from The Department of Health for GPs to source cancer testing. 
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This New Year, after all the presents have been opened, the food has been scoffed, and the wine quaffed, make sure your finances are fit to cope with the cost of that very merry Christmas to ensure it also turns out to be a happy 2011.
Life insurance continues to see a price war between insurers with a continued fall in premiums and consumers who have not spoken to LifeSearch could be wasting thousands of pounds by not reviewing their policies.
Remember - the difference between the cheapest and most expensive products can be significant, especially when multiplied over the term of a policy so, if you haven't already done so, check with LifeSearch to see if you can get your policy at a better rate.
Remember - if you have given up smoking for over 12 months, it is worth considering whether to rebroke the policy as you can potentially save hundreds of pounds with a more competitive premium. Although a cheaper premium is not certain, because it is dependent on age and health, nonetheless there is a very good chance that the premium will fall.
It is also important to remember that price should not be the only consideration when choosing a Financial Protection product and customers should look for the policy that offers the best value for money. This means looking at the product which most suits individual circumstances and offers additional benefits.
Matt Morris, LifeSearch Senior Policy Adviser
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Life insurance should be considered for women trying to get pregnant later on in life, as one expert thinks these patients are more likely to contract breast cancer.
Professor in women's cancer at the University College London [UCL], Martin Widschwendter says: "The incidence of breast cancer increases with age. Hence women who get pregnant later in life generally have a higher chance of getting breast cancer."
His comments come following a study by researchers from the German Breast Group, suggesting pregnant breast cancer patients should not delay their treatment because they're expecting.
Lead researcher for the German Breast Group, Sibylle Loibl recommends pregnant women diagnosed with breast cancer should have treatment as similar as possible to recommendations for non-pregnant women.
Life insurance and critical illness cover would offer protection for patients in situations such as these and provide peace of mind in difficult times. 
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Consumers without income protection or any other form of financial protection might want to consider the advice outlined in a new publication.
Investment and retirement group LV= has launched its "LV= Little Book of Protection", designed to offer information for providers and a sales tool which can be used with consumers.
The provider says the book shows just how much income protection is needed by drawing people's attention towards lifestyle choices.
LV= remind consumers of some sobering facts, such as should you be off work for six months with illness, you're in with an 80 per cent chance of being off for five years.
Head of Protection for LV=, Mark Jones says: "Many people find it difficult to look beyond their short term money pressures and leave themselves and their families under-protected should they fall ill or lose their job." 
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Critical illness cover could seem a more attractive investment following the mixed results coming out of the Cancer Patient Experience Survey for 2010.
Cancer patients say they're happy with the length of time taken for them to be treated and the performance of NHS doctors.
However, many are dissatisfied with the lack of documentation on their condition and the conduct of some nurses on duty in hospital wards.
Although the study shows that cancer treatment and care remains one of the strengths of the NHS, critical illness cover would provide financial security for your family against a disease which affects 350 people for every 100,000 each year.
It could also provide the funds needed to cover a proportion of private medical care, as the survey revealed one in ten patients had the admission date for their operation changed by the hospital treating them. 
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Consumers in the UK may begin to compare life insurance as a new report shows how the NHS will struggle to cope with the cuts it needs to make over the next four years.
The Commons Health Select Committee shows that government spending plans will push the NHS in England to its very limits.
The MPs sitting on the Committee say the plans outline the need for efficiency savings on an unprecedented scale, never before seen in the NHS or any other country in the world.
Cuts in certain departments are sure to weaken the service the NHS is able to offer, which is why many consumers could look to mitigate this when they compare life insurance.
Chair of the Committee, Steven Dorrell, says the four per cent required to be saved by the NHS every years – for a period of four years, is indeed a 'huge ask'. 
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Customers with life insurance cover may not have to make as many claims in future, as the message on preventing skin cancer appears to have gotten through to current generations.
A study carried out by researchers in Australia has shown that daily sunscreen use can protect against melanoma in adults.
Dr Elizabeth Rapley is a spokesperson for the Institute of Cancer Research (ICR).
Commenting on the research, she says: "Malignant melanoma is largely preventable by reducing exposure to the sun and in recent generations this message appears to be getting though."
She went on to caution that while melanoma is easily treated when diagnosed in early stages - advanced cases are almost always fatal.
Life insurance cover would represent a good investment, as figures from Cancer Research UK reveal the over-65s are now three times more likely to die of malignant melanoma, than 30 years ago. 
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Life insurance quotes could be about to become even better value as red tape is cut to allow GPs to refer patients for tests on cancer.
The government says that doctors will no longer have to request tests if they suspect they have cancer – a situation which impeded the treatment of the disease, which is most effective if caught in its early stages.
The move will speed diagnosis and mean fewer customers have to claim on their life insurance policies.
Radiographers welcomed the measures, which are due to be announced by Health Secretary Andrew Lansley this week, at the Britain Against Cancer conference.
Experts in the field have said that making early diagnosis better is essential to improving survival rates.
Late diagnosis is accepted as being the main reason for life insurance customers in England having to claim on their policies compared to other European nations. 
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With the upcoming bank holidays due over the Christmas period fast approaching, consumers may want to invest in life insurance.
That's because new research from the University of Swansea shows being admitted to hospital during one of the UK's bank holidays means patients are in with a 40 per cent greater risk of dying.
Poor levels of cover from staff and a lack of available facilities mean patients admitted with internal bleeding are 41 per cent more likely to die from the injuries than they would be on a normal weekday.
Author of the study Dr Stephen Roberts said a lack of consultants could mean less thorough assessments and investigations being delayed.
With cuts in public spending over the next few years bound to have an effect on hospital standards, life insurance cover would be a strong investment, delivering financial security to your dependants should the worst happen. 
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The vast majority of financial advisors think life insurance products should now form an important part of financial planning.
As many as 94 per cent of IFAs say making protection arrangements is 'essential' today, with life insurance ranked as the top product for investment if consumers could only afford to take out one.
However, figures from Scottish Provident show that fewer than one in five clients currently make enquiries about protection policies.
Almost seven advisors in ten believe the overall cost of a policy is one of the main reasons for their clients' lack of enthusiasm on protection products.
Head of marketing at Scottish Provident, Susan Barclay, says: "Whilst IFAs are adamant about the importance of protection products […] it is worrying the majority of clients remain inert when it comes to enquiring about protection." 
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Critical illness cover could provide financial protection for the victims of cancer, as the debate continues about preventative measures for the disease.
Research by the University of Oxford this week, reveals that a low daily dose of aspirin can significantly reduce the number of deaths from a whole range of common cancers.
However, the Association for International Cancer Research (AICR) says the benefits of taking low doses of aspirin must be weighed against the risks.
Scientific co-ordinator at the research body, Dr Mark Matfield, said one of the side-effects of aspirin, for instance, is that it may cause internal bleeding in some people.
Critical illness cover would provide financial peace of mind for your dependants as you undergo medical treatment, and cover any lost earnings incurred at the time. 
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LifeSearch raised £6470 for the charity Saving Faces on 25th November at the annual charity night, attended by over 200 people. With more donations on the way that figures will rise further.
Saving Faces is a registered research charity based at the historic St. Bartholomew’s Hospital in West Smithfield, London. The charity is the brainchild of consultant maxillofacial surgeon, Iain Hutchison, who launched Saving Faces in 2000, and deals with the physical and psychological effects of severe facial injury.
To see photos from the night please visit our 'events' section in the Press Centre.
Matt Morris, LifeSearch
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People living in Britain today should compare life insurance as a new survey reveals one in five fear getting cancer more than having a heart attack or losing their job.
Cancer Research UK asked people which incident they feared most out of cancer, debt, knife crime, a plane crash, or a heart attack – and it was cancer that came out on top.
Life insurance would also provide peace of mind for the one in three people who believe contracting the disease is down to fate rather than genetics or lifestyle.
These people also said they think there is nothing they can do to reduce the risk of cancer.
Director of health information for Cancer Research UK, Sara Hiom, said: "The fear factor is a serious wake-up call for the British public." 
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Income protection premiums could be set to receive a boost for consumers, thanks to the development of a new blood test designed to help heart problems.
Researchers from the University of Texas have developed a blood test with the ability to detect heart disease in people that do not have symptoms.
This could serve to reduce the risk of heart disease or incidents of heart attacks, and lower the cost of income protection as a result.
Even if a patient appears to be healthy, the new test has the ability to show if a middle-aged person is at risk of dying young.
Consumers with life insurance may also need to make fewer claims should cardiac problems strike in later life.
Study leader from the University, James de Lemos says: "This test is among the most powerful predictors of death in the general population we've seen so far." 
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Critical illness cover premiums could be less costly for consumers in the future thanks to the potential of a new development for the treatment of MS.
Progress made on drugs in a study with rats by Cambridge and Edinburgh University, suggests scientists have identified how to prompt stem cells to regenerate the myelin sheath.
This part of central nervous system is at the centre of multiple sclerosis problems.
Consumers comparing critical illness cover will no doubt join MS charities in welcoming the findings and the hope they offer in the restoring of motor functions.
Around 100,000 people in the UK are believed to have multiple sclerosis.
Critical illness cover would provide financial security for treatment, or when a consumer is unable to work.
Chief executive of the MS Society, Simon Gillespie says: "It's hard to put into words how revolutionary this discovery could be." 
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Concerned parents should compare critical illness insurance for their families, as it's been revealed thousands of children with cancer must travel up to 300 miles for treatment.
Cancer charity CLIC Sergeant, says as many as 10,000 children must undergo gruelling journeys across the UK every week, to one of 19 treatment centres across the country.
Critical illness insurance would provide financial security for any hardships caused by such illnesses and the everyday circumstances, such as these, that surround them.
CLIC Sergeant chief executive, Lorraine Clifton says: "Travelling long distances to and from hospital day in, day out, means that normal life stops."
She adds that better co-ordination is needed to help children spend more time at home.
One way to do this could be through private health treatment, which critical illness insurance could help to provide. 
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Despite reports on the lack of healthy eating options meaning that life insurance quotes could prove more expensive, one expert thinks there's more than enough choice for UK consumers.
The British Dietetic Association (BDA) says that avoiding claims on life insurance by eating properly is easier than many people think.
Figures from the Department for Environment Food and Rural Affairs (Defra) show that consumers purchased 3.1 per cent less fruit and vegetables in 2009 compared to the previous year.
Senior public health dietician with the BDA, Rachel Cooke, says you don't always have to choose fresh fruit and vegetables in order to fulfil your five a day.
Ms Cooke says: "With canned fruit and veg you can choose the ones canned in juices or water rather than syrups and brine to make the healthier choice." 
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The government should take measures to lower UK alcohol consumption rate, but critical illness cover could be seen as the safer option in the face of public cuts.
Figures released by the Department for Environment Food and Rural Affairs (Defra) last week show that alcohol intake was 7.7 per cent higher for 2009 in the UK, than for 2008.
Critical illness cover would protect your financial wellbeing against conditions such as heart disease and throat cancer, which alcohol consumption is known to contribute towards.
CEO of Alcohol Concern, Don Shenker, says: "The government must take bold new measures to reduce our overall consumption levels which have been rising sharply over past decades."
Mr Shenker also expressed concern that these statistics contradicted other reports that alcohol consumption was falling.
He says: "This is a worrying picture as higher alcohol consumption results in greater levels of ill health and disease." 
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The lack of practical ways to eat healthily on a daily basis in the UK, could see people compare life insurance to combat a rise in obesity levels.
Eating too much junk food containing saturated fat can lead to obesity-related illness such as heart disease, high blood pressure and cholesterol, as well as type two diabetes.
Yet with rises in food prices being forecast, the National Obesity Forum says that people must resort to eating cheaper food, which is not necessarily the most healthy.
Life insurance cover could be invested in with more regularity and across more pockets of the population as a result of this, as the long-term consequences of obesity can be life-threatening.
The news comes as the government published a white paper this week called Healthy Lives, Healthy People - two out of three adults are overweight or obese. 
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Critical illness cover could become much more popular among UK consumers in years to come, as it transpires government funding for Alzheimer's is still too low.
There will be over a million people with dementia by 2025, and one researcher on elderly care says the medical provisions are still not good enough.
Rachael Dutton is research manager at health and housing services, Housing 21.
She says: "Funding levels for dementia research have been vastly inferior compared to those for other serious diseases."
However, since the public spending cuts expected to be felt for more than a decade mean funding for Alzheimer's is in jeopardy, critical illness cover would provide financial security should the illness strike in old age.
Ms Dutton says: "There is an urgent need for a huge increase in funding for high quality, large-scale research." 
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People already in the habit of drinking heavily are drinking even more, in news which could make consumers consider critical illness cover.
The Institute of Alcohol Studies says that despite an overall reduction in the number of young people consuming excess alcohol, those drinking heavily are now choosing to drink even more.
Director of the organisation, Dr Adrian Bonner, makes the comments following a pledge from the UK Treasury.
The Review of Alcohol Taxation says that higher beers over 7.5 per cent alcohol content will have additional duty imposed on them.
The idea is that health problems linked to alcohol will be reduced, should certain kinds of alcohol become more expensive.
Since the effectiveness of this theory may take some years to become proven, critical illness cover would protect your financial wellbeing against conditions such as heart disease and throat cancer. 
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Financial protection such as life insurance and critical illness cover would provide peace of mind against what one nutrition consultant has called our 'toxic modern environment'.
Yvonne Bishop-Weston from the Foods For Life communities network says that eating 'five-a-day' portions of fruit and vegetables will not necessarily help prevent life-threatening diseases like cancer.
In order to provide peace of mind in the face of reports such as this, then people living in the UK should compare life insurance.
This would mean financial difficulties for loved ones and dependents can be avoided, should the worst happen.
The comments from Ms Bishop-Weston follow a review in the British Journal of Cancer, showing that eating five portions of fruit and vegetables a day does not keep cancer at bay. 
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Improvement in the time it takes for cancers to be diagnosed would lead to cheaper life insurance cover, thanks to better survival rates for the disease.
The Rarer Cancers Forum thinks this can be bolstered with better access to new medicines and improvements in the way GPs are trained and educated on cancer.
Chief executive of the organisation, Andrew Wilson-Webb, says one of the major problems in the UK is that "cancer patients' staging is higher generally, than in other countries" – meaning tumours are more developed.
Mr Wilson-Webb added: "Early diagnosis will save lives right the way across the board. It needs more GP awareness and GP education."
However, in a reminder of the value of life insurance and critical illness cover, research by the Roy Castle Lung Cancer Foundation says patient survival rates from lung cancer have shown little improvement since the 1970s. 
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Pharmaceutical firm Sterimar says the current cold spell will encourage the spread of viruses such as flu and the common cold, in news which could encourage the take up of sickness insurance.
Spokesman for the company, Dr Mike Smith thinks the frosty climate is forcing people indoors which means that sickness insurance cover could be useful for when illness spreads.
Dr Smith says: "People are tending to stay in, travel even shorter journeys on public transport and perhaps even stay in the office or factory for a sandwich lunch."
He reiterates that this will encourage the spread of viral infection.
A report from the Met Office this week forecasts that cold and snow are expected to continue to impact the UK over the coming days, so more people could look to sickness insurance to mitigate against short-term illness. 
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Life insurance premiums could be set to cost UK consumers less in future, if proposals made by the current Health Secretary come to light.
Andrew Lansley says he wants to 'nudge' British taxpayers into good health wherever possible, rather than force the public into becoming more healthy.
The idea comes from research which shows that societal 'norms' and other contexts govern the decision-making process in our lifestyle choices.
Head of the UK Faculty of Public Health, Professor Lindsey Davies, supports the theory.
She cites the effectiveness of the smoking ban and says: "look at the difference that's made to lots of people's lives and actually helped them give up smoking."
Such lifestyle choices have the biggest affect on our health and wellbeing, and in turn would certainly make critical illness cover and life insurance less expensive in the long run. 
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Life insurance could be about have more customers in the UK, after new research reveals that many people with HIV may not even be aware they carry the virus.
Figures released by the Health Protection Agency show that a quarter of British people who have the condition don't even know they have HIV.
The HPA estimates around 86,000 people in Britain carried the virus in 2009.
The treatment of HIV is a life-long process, so having critical illness cover could be crucial in navigating such difficult times.
Head of HIV surveillance at the agency, Valerie Delpech said: "We're very concerned that a large number of people in the UK are unaware of their HIV status."
She adds that half of newly diagnosed people are diagnosed late, meaning that life insurance would offer security, if effective treatment isn't possible. 
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04:01 AM, January 04
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