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Home / - Critical Illness Life Insurance Cover
The aim is to provide a guaranteed lump sum (or income if provided within a Family Income Benefit policy) if the life assured, during the period of cover, is diagnosed as having one of a number of specified critical illnesses covered by the policy.
Will you get a Critical Illness?
Click below to learn more about each Critical Illness that is usually covered.
Alzheimer’s disease
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
HIV or AIDS from blood transfusion
HIV or AIDS from occupational duties or accident
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis - Paraplegia
Parkinson’s disease
Stroke
Third degree burns
Total permanent disability to age 65
NEWS
'Bulging waistlines increase dementia risk'
27 March 2008 17:25:06
People with bulging waistlines during middle age have an increased chance of developing dementia in later life, research has claimed.
A study of 6,583 people aged between 40 and 45 in northern California, which measured the abdominal fat of participants, found that those with the largest waistlines were nearly three times more likely to suffer from dementia than those with the lowest amounts of fat - a finding which may affect life insurance policies.
"Considering that 50 percent of adults in this country have an unhealthy amount of abdominal fat, this is a disturbing finding," said the study's author Dr Rachel Whitmer.
"Research needs to be done to determine what the mechanisms are that link abdominal obesity and dementia," she added.
Having a large abdomen increased the risk of dementia regardless of whether the participants were of normal weight overall, overweight, or obese, and in spite of existing health conditions, the research found.
Those who were overweight and had a large waistline were 2.3 times more likely to develop dementia than people with a normal weight and abdominal size while people who were both obese and had a large belly were 3.6 times more likely to develop illness.
According to the Alzheimer's Society, 700,000 people in the UK live with dementia.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
'More than 40% of smokers tried to quit last year'
29 April 2008 13:38:40
Forty-three per cent of smokers in England tried to quit the habit last year, according to Cancer Research UK.
More than 27,000 smokers and ex-smokers were questioned about their attempts to stop smoking in a series of surveys conducted each month from November 2006 to January 2008.
Eight per cent said they had attempted to quit as a result of smoke-free legislation introduced on July 1st 2007.
Successful attempts to give up smoking may also have financial benefits as Norwich Union recently advised that smokers planning to quit could see their monthly life insurance premiums cut by up to almost half by applying for life cover as non-smokers.
News Year's Eve proved to be the biggest motivation for quitting smoking, when more than one in ten smokers attempted to stub out for good.
Elspeth Lee, Cancer Research UK's head of tobacco control, commented: "It's good news that the smoke-free legislation, as well as protecting people from secondhand smoke, encouraged some smokers to quit.
"But with about ten million smokers in the UK, half of whom will die from a smoking related disease, we cannot be complacent."
According to the organisation, more than 33,000 people die from lung cancer each year - around one person every 15 minutes.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
'Cystic Fibrosis drug trials show promising results'
28 March 2008 17:27:36
Trials of an oral drug to treat cystic fibrosis (CF) have shown promising results so far, the Cystic Fibrosis Foundation has announced.
Life insurance policies may be affected by the research which found patients who took the drug for two weeks saw significant improvements in areas affected by the disease, including lung function.
Scientists working on the second phase of ongoing clinical trials for VX-770, an oral drug which targets a basic defect in CF, reported good results and could affect other studies of treatments for the illness.
Dr Robert Beall, president and chief executive of the foundation said: "The emerging data for VX-770 represents the most exciting results we've seen from a Phase Two trial and increase our confidence that we're on the right track."
CF, a life-threatening disease that affects around 70,000 worldwide, is caused by a genetic mutation that results in a malfunctioning protein which causes an imbalance of salt and water, Medical News Today reports.
This imbalance results in a build-up of mucus in the lungs and other organs, increasing the risk of infection.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
27 March 2008 17:25:06
People with bulging waistlines during middle age have an increased chance of developing dementia in later life, research has claimed.
A study of 6,583 people aged between 40 and 45 in northern California, which measured the abdominal fat of participants, found that those with the largest waistlines were nearly three times more likely to suffer from dementia than those with the lowest amounts of fat - a finding which may affect life insurance policies.
"Considering that 50 percent of adults in this country have an unhealthy amount of abdominal fat, this is a disturbing finding," said the study's author Dr Rachel Whitmer.
"Research needs to be done to determine what the mechanisms are that link abdominal obesity and dementia," she added.
Having a large abdomen increased the risk of dementia regardless of whether the participants were of normal weight overall, overweight, or obese, and in spite of existing health conditions, the research found.
Those who were overweight and had a large waistline were 2.3 times more likely to develop dementia than people with a normal weight and abdominal size while people who were both obese and had a large belly were 3.6 times more likely to develop illness.
According to the Alzheimer's Society, 700,000 people in the UK live with dementia.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
29 April 2008 13:38:40
Forty-three per cent of smokers in England tried to quit the habit last year, according to Cancer Research UK.
More than 27,000 smokers and ex-smokers were questioned about their attempts to stop smoking in a series of surveys conducted each month from November 2006 to January 2008.
Eight per cent said they had attempted to quit as a result of smoke-free legislation introduced on July 1st 2007.
Successful attempts to give up smoking may also have financial benefits as Norwich Union recently advised that smokers planning to quit could see their monthly life insurance premiums cut by up to almost half by applying for life cover as non-smokers.
News Year's Eve proved to be the biggest motivation for quitting smoking, when more than one in ten smokers attempted to stub out for good.
Elspeth Lee, Cancer Research UK's head of tobacco control, commented: "It's good news that the smoke-free legislation, as well as protecting people from secondhand smoke, encouraged some smokers to quit.
"But with about ten million smokers in the UK, half of whom will die from a smoking related disease, we cannot be complacent."
According to the organisation, more than 33,000 people die from lung cancer each year - around one person every 15 minutes.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
28 March 2008 17:27:36
Trials of an oral drug to treat cystic fibrosis (CF) have shown promising results so far, the Cystic Fibrosis Foundation has announced.
Life insurance policies may be affected by the research which found patients who took the drug for two weeks saw significant improvements in areas affected by the disease, including lung function.
Scientists working on the second phase of ongoing clinical trials for VX-770, an oral drug which targets a basic defect in CF, reported good results and could affect other studies of treatments for the illness.
Dr Robert Beall, president and chief executive of the foundation said: "The emerging data for VX-770 represents the most exciting results we've seen from a Phase Two trial and increase our confidence that we're on the right track."
CF, a life-threatening disease that affects around 70,000 worldwide, is caused by a genetic mutation that results in a malfunctioning protein which causes an imbalance of salt and water, Medical News Today reports.
This imbalance results in a build-up of mucus in the lungs and other organs, increasing the risk of infection.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online