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Background information

1 in 3 people will be diagnosed with cancer at some point during their lifetime.

1 in 4 people will die from cancer.

Out of more than 200 different types of cancer, 4 - lung, breast, colorectal and prostate - account for over half of all new cases.
(Non-melanoma skin cancer is excluded from these figures.)
(Cancer Research UK , 2002)

A quarter of a million people in the UK will contract cancer this year.

More than half the people who contract cancer of the breast, cervix, larynx, testis, uterus, or malignant melanoma, will survive for a minimum of 5 years.

Survival rates for many other cancers are also improving.
( Munich Re, 2002)

It is estimated that 1 woman in 9 will develop breast cancer at some point in her life.

In 1997 38,000 women were newly diagnosed with breast cancer - and new cases are steadily increasing year on year.

On average 60% of women diagnosed with breast cancer will still be alive 5 years later.
(Breast Cancer Campaign, 2002)

In 2000, over 150,000 people died from cancer. That's one person every 3 and a half minutes.

In 2000, more men and women died from lung cancer than any other type of cancer - 20,600 men and 13,000 women. That's almost 100 deaths every day.
(Office for National Statistics, 2001)

Definition

Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue. The term cancer includes leukaemia and Hodgkin’s disease but the following are excluded:

What does this mean?

Cancer is a malignant tumour or a malignancy. It causes uncontrolled growth of abnormal cells which invade, damage and destroy surrounding bodily tissue. These cells can then spread and cause damage to other parts of the body.

Non-invasive or cancer in situ is a very early stage cancer which has not invaded surrounding tissue and has not spread throughout the body. Treatment is relatively easy and successful. Cancers in situ are therefore not covered.

In line with Government policy, screening for prostate cancer will become widely available to men in the not too distant future. The key purpose of this screening is to detect prostate tumours at a much earlier stage than at present – before they cause any noticeable symptoms and when the illness can be more easily treated and cured. Accordingly, in line with the new ABI cancer definition, cover the less advanced prostate cancers is usually excluded.

More advanced and more aggressive cases (typically those that are currently detected) will continue to be covered. Most skin cancers are also easy to treat and are also excluded. However malignant melanoma is a very serious form of skin cancer which can very quickly spread throughout the body. This form of skin cancer is therefore included.

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NEWS
Dangers of over-the-counter tests highlighted

11 March 2008 17:11:55
The dangers of over-the-counter medical tests for the "worried well" have been highlighted by health experts.

According to doctors, working in partnership with charity Sense About Science, the tests can do more harm than good as they can be inaccurate - a factor which may affect the life insurance policies of those using them.

A report from the charity warned that tests taken outside a GP surgery or hospital are not reliable.

Self-tests such as pin-prick blood tests could be invalidated by contamination with other bodily fluids, the report said.

"Unlike medicines and national screening programmes, there is no regulation or requirement for research on the effectiveness of testing. With direct-to-consumer tests, anyone can set up a lab and sell testing," the report continued.

The DIY health industry is currently worth an estimated £99 million each year, the BBC reports.

The calls come after a recent study, from the committee on Medical Aspects of Radiation in the Environment, claimed people may increase their risk of developing cancer by undergoing unnecessary radiation scans with private firms.

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 onlineADNFCR-980-ID-18504780-ADNFCR


'New diabetes drug does not cause weight gain'

24 April 2008 17:59:56
A new drug for type 2 diabetes patients which does not cause weight gain is now available in the UK.

According to Diabetes UK, there are currently over 2.3 million people with the disease in Britain - a factor which may affect their life insurance policies.

An increase in weight is a common side effect of drugs used to treat type 2 diabetes, but a new drug named Vildagliptin has been shown to have a neutral effect on body size in clinical trials when it is combined with another diabetes drug called metformin.

"Around 80 per cent of people diagnosed with type 2 diabetes are overweight and it is a real concern that the treatments they need to take to control their blood sugar can lead to added weight gain or other harmful side effects" said Dr Eugene Hughes, a GP on the Isle of Wight.

"As an effective treatment without weight gain when used in combination with metformin in clinical trials, Vildagliptin offered a potential solution to this very real problem," she added.

Meanwhile, a recent study published in The Lancet found that a single daily injection of insulin glargine for patients with type 2 diabetes is just as effective at helping control blood sugar as an injection that must be administered up to three times a day called insulin lispro.

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 onlineADNFCR-980-ID-18567325-ADNFCR


Cancer survivors increasing

14 July 2008 16:47:13
Those with life insurance policies will be glad to know that an increasing number of people in the UK are surviving cancer.

There are currently two million cancer survivors in the UK but according to Macmillan Cancer Support, which commissioned the research, the figures illustrate the need for more after-care.

Ciaran Devane chief executive of the charity explained the importance of understanding the research findings.

He said: "It is great news that more people are living after a cancer diagnosis but it must be recognised that care and support cannot stop when initial medical treatment ends."

Survivors get help from Macmillan Cancer Support to deal with the emotional and financial impact left by cancer and the charity has said that the NHS and government has to recognise their part in helping those affected by the disease.

Whilst the number of survivors is on the increase, so too is the number of people contracting the disease and by not offering help to these people now, McMillan believe the government is creating a 'ticking time bomb'.

UK life insurance provides protection for those affected by cancer.ADNFCR-980-ID-18683655-ADNFCR