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The Life Insurance Market
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Critical illness insurance may become an imperative investment for people amid revelations about the working habits of Britain's surgeons.
According to a survey by the Royal College of Surgeons (RCS), seven out of ten surgical professionals says they're required to carry out elective operations when they're meant to be on duty for emergency calls.
As many as three-quarters of surgeons also work much longer than the 48 hour European working limit, while 90 per cent of surgeons asked report being on call in the evening and at weekends.
The RCS says demands such as these are a "significant barrier to improving emergency surgery in the UK".
John Black, president of the RCS, said: "Studies have shown this leads to delays in them getting to emergencies as they cannot be in two places at once."
Worrying as this may be to consumers, cover such as critical illness insurance would provide peace of mind through financial security. 
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When consumers compare life insurance in years to come they might find they have to pay less if the British public follows some simple guidelines on dementia.
The University of Stirling says that with exercise, a good diet and socialising - some symptoms of dementia can be hampered, to a certain degree.
The views come from Professor June Andrews, director of the Dementia Services Development Centre at the University.
She says: "making some changes in your living environment like increasing light levels also helps" in the fight against cognitive decline.
Her comments come alongside a report from the Alzheimer's Society which found that 50,000 people with dementia are being forced into care homes early due to inadequate care.
So with dementia appearing to take effect earlier than in the past, life insurance would provide financial insurance should consumers with the condition deteriorate further. 
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Life insurance quotes would be more likely to come down in price if people helped their liability of contracting cancer by giving up smoking.
The Association for International Cancer Research (AICR) thinks far the best way to reduce your cancer risk by trying to quit this vice, as it would tackle one of the most difficult to treat types of cancer.
According to Dr Mark Matfield, scientific co-ordinator at the AICR: "Ninety per cent of lung cancers are caused by smoking, and it's one of the most difficult types of cancer to treat effectively."
He went on to explain that smoking has also been linked to higher rates of more than ten other types of cancer.
Dr Matfield went on to say that maintaining a healthy weight, curbing alcohol and leading a healthy lifestyle also lowers cancer risk. 
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Sickness insurance could be about to become more popular among Brits as public health services continue to make cuts which could hamper treatment.
In news reported by national daily the Daily Telegraph this week, ministers could be about to give the green light for local health trusts to ask patients to receive GP services over the internet.
In a bid to ease the pressure on GPs' surgeries, patients could be asked to email their symptoms to a doctor.
The idea is that doctors would email patients back with a reply the same day, informing them of what to do next.
But doctors will only invite patients to attend an appointment or make a home visit if they see the symptoms as being serious enough.
Because of the obvious problems which could arise with this situation, sickness insurance would provide you and your dependants with financial cover, in the event of complications. 
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More consumers could invest in critical illness cover, as doctors warn that up to 100,000 could be at risk of a dangerous form of heart defect.
A report by the Royal College of Physicians says a genetic condition which can cause fatal heart problems is not being treated or even monitored enough by the NHS.
FH (Familial hypercholesterolaemia) can bring very high levels of cholesterol to the blood.
If males carry the gene for the disease it will become present in heart disease by the age of 55, with women developing the problem by the age of 60.
Despite half a patient's first blood relatives carrying the gene, the NHS doesn't carry out routine testing on families.
Report author Professor Steve Humphries says these people are at high risk of cardiac arrest. So in order to protect your family financially in case of bad news, why not ask about critical illness cover today. 
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At last the FSA cotton on. I think we were telling them that that was the right thing to do in 2004. If you can find a more complicated product than properly arranged Critical Illness or Income protection do tell me! Trouble is humans are very complicated machines and so protecting against their breakdown at low cost is simply not simple! Which is fine as long as advisers can do the job properly (and take responsibility for it) without being undercut after the event by non-advisers pretending the client knows exactly what they are doing. Actually Term Life insurance must be pretty complicated too as despite its shortage of moving parts we find we can improve the buying decision of most who have previously bought without advice! Hurry up on this one FSA!
Tom Baigrie
LifeSearch
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Posted by @
09:16 AM, January 27
Very pleased to hear about this. As you say, at long last. Perhaps protection insurance can begin to repair some of it's tattered reputation when people can no longer 'mis-buy'.
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Life insurance premiums could be even better value in the future, thanks to a new development in the treatment of cancer.
The University of East Anglia claims to have discovered a gene which encourages cancer to move around the human body.
The experiments that have taken place on cultures on organic tissue have been published in the journal Oncogene, and it is hoped the study could be advanced to help impede the spreading of cancers.
Scientists from the University say this could also lead to a new wave of cancer-fighting drugs inside the next ten years.
And although Cancer Research UK say the study is only at its laboratory stage at this point, but consumers could see life insurance quotes come down in years to come.
Dr Andrew Chantry, led the study, and he says: "I think we're really onto something important if we can put a wall around a cancer and lock it in place." 
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A forum of medical experts is this week calling for a continental-wide trial in treating the victims of a stroke, in news which could lead to fewer consumers needing to claim on their critical illness cover.
Scientists including some working at the University of Edinburgh say the fund will be based on a theory that inducing hypothermia in patients being hit by a stroke can help avert cases of death or disability.
The group of experts thinks the treatment could help up to 40,000 victims of a stroke each year.
This figure shows just how many consumers could potentially enjoy lower premiums.
Lowering the temperature of the brain can provoke it to go into a form of hibernation, which removes the risk of it being damaged further due to oxygen deprivation. 
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Income protection cover could be claimed on with less regularity and become better value if consumers help their heart with a healthy diet.
The advice comes after news this week verified that a healthy diet is important in reducing the risk of coronary heart disease and other circulatory problems.
And that's the view of HEART UK - The Cholesterol Charity.
Linda Main is dietetic advisor for the body, and she says: "We've known for some time that a healthy diet is important in reducing the risk of coronary heart disease and other circulatory problems."
Income insurance and life insurance can cover consumers or their dependants should heart problems develop into something serious.
But to avoid this happening at all in the future, Ms Main suggested that eating lots of fruit and vegetables can replace or limit the portion sizes of other damaging foods in our daily diet. 
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For anyone considering investing in some form of its critical illness cover, then they may be interested to know that a leading provider is now improving its products.
Bright Grey has enhanced its critical illness cover by extending the definitions of three of the critical illness conditions covered by this insurance from this week.
The improved definitions increase the number of definitions able to be covered by the insurance up to eight.
This includes coronary artery bypass grafts - with the requirement of surgery to divide the breastbone, being removed.
Heart valve replacement or repair also come under this new condition.
Meanwhile, for people suffering from benign brain tumours, the cover will still pay out even if the tumour is surgically removed.
Ian Smart, Head of Product Development and Technical Support at Bright Grey says:
"It's important that we continue to develop our products to meet our customers' needs by updating conditions where appropriate." 
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I recently had the misfortune to spend the day in Geneva hospital in Switzerland as a patient. After they had sorted out my problem, I was handed the bill for treatment and medicine - just over £400. I then had to book a new flight back to the UK, which was another £100 and involved standing in a long sweaty queue at the airport, while feeling dreadful, to get my ticket.
Fortunately my condition wasn’t too serious and I was out of there the same day. But if it had been very serious, not only would I have been looking at a vastly higher bill for treatment, but I would also be stuck with the problem of sorting it all out while in a very vulnerable state of health. I’m claiming on my travel insurance and I await their payout.
Thankfully if there is a problem, and my travel insurance provider doesn’t wish to pay out, I’m more than capable of fighting the case. I understand how insurance works and I’m well enough to fight my corner. But it made me realise that many people who buy insurance, particularly Protection (Life, Critical Illness, Income Protection) do not have that luxury. Those that buy without advice are on their own in fighting a claim and probably at a time when they are very seriously ill or worse.
One of the benefits of having an adviser on your side is to fight a claim against a big insurance company. It highlights the serious value that LifeSearch offers through its dedicated claims desk of two people. It’s great to get a good value policy when you buy, but it’s just as important to ensure you have an advice company to help you claim too. Consumers shouldn’t miss out on that important benefit.
Matt Morris
LifeSearch
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Posted by @
12:57 PM, February 21
Very pertinent, matt.
I am currently fighting on a clients behalf where her claim under a CI plan has been denied. This is my first CI rejection and yes, I do take it personally.
Those who buy from tied advisers or bucket shops simply will not get this level of support and may end up hoping that he or she can persuade the variable ombudsman to uphold a complaint
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In order to reduce the cost of life insurance quotes, a leading publication thinks the secret to getting healthy and fit this year is to have fun doing so.
Health & Fitness magazine says people's exercise regimes should be organised "to establish a few achievable, and enjoyable, goals that fit your lifestyle."
The news comes as January 13th last week, was the date two-thirds of British women would have quit their New Year diet on - just 13 days after making the resolution.
Editor of Health & Fitness magazine, Mary Comber says there's ways to stick to a health regime.
She says: "The reason so many of us fail in our new year resolutions is because we set ourselves unrealistic and over-ambitious goals that are next to impossible to achieve."
It's estimated that 36 per cent of deaths from heart disease in men and 38 per cent of deaths from heart disease in women are related to lack of physical activity. 
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A leading provider of life insurance has published a report lobbying consumers in a bid to get more people to think about investing in assurance products in 2011.
Aviva's first 'Family Finances Report' shows 93 per cent of families feel they are without sufficient financial protection.
Meanwhile 61 per cent of families said they don't have the most basic life insurance.
Another 87 per cent said they're without critical illness cover, while almost 90 per cent say they are currently lacking income protection.
Aviva says that life insurance products would be most beneficial for the single parent family unit.
More than three-quarters of single parent families and 68 per cent of divorced parents with more than one child report feeling financially unprotected.
The serious nature of this situation is highlighted by the 25 per cent of families who say they've been through what it's like when the main breadwinner is unable to work because of illness. 
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Provider of life insurance Bupa has launched a health insurance partnership in China.
Chinese insurance firm Alltrust has this week announced it will work in cooperation with Bupa International, the leading health insurer for Brits living abroad.
The life insurance firm says expatriates living out in the Far East nation will benefit from both their medical expertise and Alltrust's know-how when it comes to all things Chinese.
As of January 27th 2011 the partnership will offer expatriates and Chinese nationals assurances regarding their health when working on foreign shores.
Customers and their families can be confident they are adequately covered and can access the most appropriate healthcare when they need it most, wherever they are in the world.
Henry Du is Alltrust's chairman in China.
He says: "With more than 60 years' experience and established relations with thousands of doctors and medical facilities all over the world, Bupa International will offer our clients access to quality health cover and world class service." 
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Sickness insurance could have to be claimed on with less frequency from now thanks to research into superbugs which is hoped will soon become operational in medical science.
Scientists in the United States think they're on the way to developing a vaccine against the MRSA virus by removing the armour of the bug.
The system works by testing antibodies on the part of the bacteria which generates its replication measures.
When cell walls, which makes up its defensive barrier, opens up during cell division, the protein seal is broken down by this new antibody and leaves the bacteria exposed – this is deadly for its life cycle.
Dr Regis O'Keefe is chief of orthopaedics at the University of Rochester Medical Centre in New York State.
He says he is 'very excited' about his vaccine research, which could help patients in England and Wales - 800 of whom die from the superbug each year. 
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Considering the cuts coming to public health services this year, it would appear wise to find out about the benefits of critical illness insurance.
The advice comes as the president of the Royal College of Surgeons of England warns the NHS is treading 'a dangerous path' by discontinuing particular surgical operations.
The austerity measures would mean many patients could suffer a great deal of pain on top of long-term health complications.
Critical illness insurance would not only provide financial assurance for dependants in the event of a serious illness, but could also be put towards funding private medical bills to ensure proper care for the patient.
John Black told the Guardian newspaper that lowering the amount of elective surgery would indeed save money, but cost patients in terms of pain and quality of life.
He says: "If the NHS continues to save money in this way, we will pay later in terms of future suffering of patients." 
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People who indulge in social smoking habits may want to think twice about this indulgence, or else compare life insurance quotes, in the face of damning new research.
That's because a new study from the United States finds that smoking a single cigarette will cause genetic damage to the body inside a matter of minutes - rather than years.
The University of Minnesota report is being greeted as a 'stark warning' in the international medical profession.
Scientists carrying out the work discovered that chemicals in tobacco that cause cancer can form rapidly after the first inhalation from a cigarette.
The ratio of adult smokers in England amounts to 20 per cent, with the habit causing more than 80,000 deaths a year.
It is said around half of the people who smoke long-term will die prematurely because of the habit, showing just how valuable life insurance could be. 
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People liking a tipple who are currently trying to compare life insurance will no doubt be glad to hear about new research which shows that a pint a day could well be good for your health.
Drinking ales and lagers in moderation can help reduce the risk of diabetes along with high blood pressure.
The doctors taking part in the study suggest that doing so could even help drinkers to lose weight.
Barcelona University, which has undertaken the study, say that if combined with exercise and a Mediterranean-style diet filled with fish, vegetables, fruit and olive oil – beer can realistically form part of a healthy diet.
The researchers reason that beer contains folic acid, vitamins – giving it the same health benefits associated with drinking glasses of wine in moderation.
For those who don’t think they'll be able to sway from a diet of British fish and chips and the like, critical illness cover would provide financial assurances for your dependants in the event of cardiac problems. 
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People considering investing in critical illness cover will be glad to hear the government want more scientists to submit bids for funding in research into dementia.
Ministers have pledged a £1 billion kitty available from March, for the cause.
The extra support being offered to projects of high enough quality to pass examination is being out in place because less research ideas are submitted for dementia, compared to the likes of cancer.
Minister for the care services, Paul Burstow, says: "As our population ages we need to better understand the disease if we are to counter its effects more successfully."
With an estimated one million people living with dementia in the UK by 2025, critical illness insurance cover would appear to be money well spent going forward. 
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Just back from seeing the AVIVA TV ad’ due to run from tonight. Its approach is exactly what we need – Paul Whitehouse channels Patrick Swayze - and every parent seeing it will well up and surely think about buying life insurance.
Louise, Richard and the AVIVA team have done exactly what this blogger has been asking industry leaders to do for so long. They have made an excellent and disturbing start to taking the need for protection back into mainstream public consciousness. Let’s hope others follow suit when they see the effect this ad will have on consumers.
Watch it on ITV in London today at 17.45 and 23:40 or C4 at 17:45 or ITV2 at 21:15 and more prime time type airings later in the week. I guarantee more protection policies will be sold tomorrow.
Tom Baigrie, LifeSearch MD
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Consumers about to compare life insurance will be pleased to know that costs may well be coming down thanks to a new development in male cancer prevention.
A new study published in the Journal of Clinical Oncology finds that physical activity can help reduce the risk of men diagnosed with prostate cancer, from dying from the disease.
Emma Malcolm is chief executive of Prostate Action, and she agrees with this idea - while urging men not to over-do things.
She says: "With men diagnosed with prostate cancer, regular exercise is important, but its relevance and priority depends entirely on what stage you are at in managing your disease."
Ms Malcolm also stressed that building up fitness levels a day at a time is a safe way to better fitness in fighting such diseases. 
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Thanks to a new development into treating blood pressure, fewer consumers may have to claim on their life insurance premiums in years to come.
A study made public this week show that when two medicines are used to tackle high blood pressure rather than just one, more effective results take place.
The findings are likely to cause doctors to think differently about conditions covered by critical illness cover, such as heart attacks and strokes.
People undergoing treatment for high blood pressure would normally be one kind of drug followed by other over a number of months.
But the Cambridge University study shows two medicines used at once offers quicker and more effective control of blood pressure – while also limiting side effects.
Professor Morris Brown, who led the trial, says: "Patients can now be prescribed a single combination pill and know that they are optimally protected from strokes and heart attacks." 
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Life insurance could be about to see a rise in the amount of people who express an interest in taking out a policy.
That's because new research shows that survivors of a stroke in England receive inconsistent levels of care, which varies heavily depending on where the patient lives.
The Care Quality Commission (CQC) reports that many consumers are completely without specialist stroke rehabilitation facilities.
For nearly half of the UK's regions patients are asked to wait a fortnight on average before getting speech and language therapy from a community-based source.
These services have been shown to reduce disability brought on by the condition.
Critical illness cover would also be a worthy consideration, as this could be put towards private medical expenses.
The study shows proper support to help patients to get out of hospital earlier are only available in around a third of all UK regions. 
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People who compare life insurance may find the premiums on offer are even better value than ever in the future, thanks to new funding which could lower the amount of claims being made.
The idea comes as £750 million of cancer strategy for the UK has been set aside with the intention of increasing survival rates.
Ministers said this week they hope the pledge could save an extra 5,000 lives a year across Britain.
£450 million-worth of the money will be invested in helping rates of early diagnosis increase.
These will form part of screening programmes to be introduced under the Department of Health (DoH) plans, which will be incorporated through diagnostic tests from local GPs.
This should make life insurance cover of even greater appeal to consumers up and down the UK, with the insurance also covering your dependants against financial hardship caused by cancer. 
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Income protection insurance could have to be claimed on with less regularity in future by sufferers of multiple sclerosis, if more sufferers underwent physiotherapy.
Physiotherapy can help alleviate many symptoms associated with multiple sclerosis (MS) such as muscle weakness and fatigue, according to a leading provider of Neurological Physiotherapy
PhysioFunction says that such exercises can help MS sufferers by strengthening those muscles that are not affected by the condition, which allows them to compensate for the muscles weakened by MS.
Clinical director for the body, Jon Graham says: "It can also assist in the early stages when there is only temporary impairment to the nerve cells."
He explains this also means those muscles that have been weakened can be strengthened once again through appropriate exercise.
However, since dynamics such as these vary in their effectiveness from patient to patient, income protection insurance would offer financial cover if such a condition leaves you unable to work. 
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Consumers looking to compare life insurance should be made aware that one of the UK's leading providers of cover has changed its name from this week.
Fortis Life will now be known as Ageas Protect in the UK, and comes after the adoption of the Ageas name by the general insurance arm of Fortis.
The Hampshire-based life insurance company makes the decision following the disposal of banking assets held by the group two years ago.
Ageas will now use their new name and logo will to market the firm’s protection products.
Research by the company throughout various global marketplaces has already suggested the logo has been greeted with enthusiasm across several focus groups.
Managing director for Ageas Protect, Martin Werth says: "We are delighted to be introducing the new Ageas Protect brand into the UK protection market." 
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The amount of claims British consumers will be making on their sickness insurance due to the seasonal flu virus could be about to fall.
That's because doctors in the UK are at last being given access to the equivalent of 12.7 million doses-worth of vaccination against the H1N1 strain of influenza.
It is hoped this will mean anyone in the groups seen as being at greater risk of becoming seriously ill from infection can be subject to immunisation.
Sally Davies is the interim chief medical officer for England.
She says there have been various stories doing the rounds suggesting some local surgeries were short of seasonal flu vaccine to combat the main circulating virus.
Sickness insurance and critical illness cover would protect you and your dependants financially, in case the health services become overrun. 
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Life insurance premiums could be made even better value in future thanks to a recent development designed to detect Alzheimer's in the human bloodstream.
Scientists in the US claim a new technique could mean they'll soon be able to carry out blood tests using the immune systems natural detection of foreign material.
But the new approach works in the opposite way to regular blood testing, by swapping artificial peptoids for antigens.
Peptoids attract antibodies associated with certain diseases like Alzheimer's, and can act as a biomarkers for such conditions.
This means the technique has the potential to be applied to lung and pancreatic cancers, meaning there could be less need to claim on life insurance policies for the elderly.
Should the worst happen however, life insurance and critical illness cover would provide against financial security against many kinds of life-threatening illnesses. 
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More people than ever could be about to compare life insurance in a bid to provide for their financial livelihood, as the UK population continues to age.
With the number of British centenarians growing ever more, a leading financial services group is urging consumers to bear in mind the cover they'll need to face life with an ageing body and mind.
Fidelity International says than ten million people more in the UK will now live log enough to be 100.
The firm says: "Although people are living longer than in the past, the functionality of the human body inevitably declines over time, thereby increasing demand for healthcare services."
To ensure you're taken care of in older age, critical illness cover will provide peace of mind as well as funding for private health care, in case health services do become overrun. 
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Life insurance cover can offer security should the worst happen but can also bring many benefits in the short-term.
Consumer advice website Confused.com says that having a life insurance policy can help with matters in the present - from counselling to tax, moving home as well as health and fitness.
Confused.com says it hopes these perks will see more people will compare life insurance quotes, as only 40 per cent of consumers currently have the protection.
Head of life insurance for the website, Matthew Lloyd says that people don't seem to know life insurance policies can often have useful added extras.
And these can be used without needing to make a claim on the policy.
Mr Lloyd says: "A number of providers offer access to counselling for example, while others offer help with finding employment, and moving house." 
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Income protection cover could prove to be better value in future if women in Britain make sure they eat a balanced healthy diet.
That's because a person's diet can increase their breast cancer risk, according to a nutritionist specialising in women's health, Dr Marilyn Glenville.
She says excessive intake of sugary foods such as cakes and refined carbohydrates along with alcohol, can increase the risk of the disease developing.
Dr Glenville says: "Research has shown that, often, high levels of insulin for women is linked to an increased risk of breast cancer - and that comes from our diet."
Although death rates for breast cancer patients had fallen by 3.7 since the year 2000, income protection and other life insurance products would provide peace of mind in the event of bad news. 
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Income protection may have to be claimed on less frequently and for shorter periods of time than expected in 2011.
That's because Department of Health has announced this week it's able to make an additional £162 million available for frontline services.
Although the NHS could still be set to struggle because of cost-cutting, an efficiency drive in public health means this funding can be put back into care to help income insurance customers.
The money will be allocated to primary care trusts and local authorities up and down the country who can choose which services would most benefit from the extra cash.
For people who are still concerned about how public services will cope with the extra pressure the British winter brings to the NHS, then longer-term cover like critical illness insurance, would be a worthy consideration. 
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Making sure you compare life insurance on a regular basis will not only guarantee financial security for your family but can also allow you to save money.
That's the advice coming from consumer welfare website Moneymaxim, which comes as part of its recommendations for a financially healthy 2011.
The site is this week urging people to review their life insurance cover as much as possible to keep up with changing situations.
Moneymaxim notes all protections from sickness insurance to whole life insurance can be influenced by circumstances which are constantly evolving throughout life.
Marriage, children, changes at work, divorce and retirement can all have a bearing on life insurance quotes.
And higher life expectancies, improving health care, and consumers taking greater care with their own lifestyles all mean you could easily save on life insurance in 2011. 
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Claims on critical illness cover may be on the increase in years to come, as it becomes apparent Brits consider getting regular exercise is too expensive.
New research claims consumers are not exercising regularly because of the high costs being found at gyms and leisure centres across the country.
Around a third of people across the age groups believe this to be the case, while 42 per cent for 18 to 24-year-olds agree with this idea.
The survey of more than 2,000 people for the World Cancer Research Fund also finds 36 per cent of people cite time constraints due to work and family are one reason why people don’t exercise.
While exercise is widely believed to help in the battle against cancer, it's also worth remembering long-term obesity can be life-threatening. 
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Consumers might want to compare life insurance as the potentially deadly norovirus continues to blight the UK.
The start of this week saw managers at one hospital in south Wales close as many as seven patients' wards after an outbreak of the winter vomiting bug.
Morriston Hospital in Swansea has taken the measures in a bid to contain the norovirus.
Director of nursing at the hospital, Victoria Franklin says that although matters are being handled sensitively many visitors are being turned away from the wards.
That's because of the ease with which the illness can be passed from one person to the other, with the virus causing symptoms of diarrhoea and sickness.
The serious nature of the situation can be realized when you consider the death toll for norovirus now amounts to nearly 40 people – which could see many consumers consider the benefits of life insurance. 
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Sickness insurance could be of benefit to those people who one public sector union says are not given sick pay by their employers.
National union Unison is urging employers in the sector to provide sick pay to all employees, after a new study found that some members of hospital catering and cleaning staff do not receive the pay.
Unison is said to be frustrated by the revelation that a lot of contract-based employees from this section of the labour force have been denied sick pay - despite many of them having to get by on minimum wage.
In circumstances like these sickness insurance could well be crucial in securing the financial welfare of your family if you’re not well enough to attend work.
Dave Prentis is general secretary for Unison.
He says: "It cannot be right that these massive multinational companies can make huge profits but still cheat workers out of basic terms like sick pay." 
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