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Home / Critical illness cover / - Loss of Independent Existence

Background information

8 million people are currently affected by arthritis or rheumatic disease - of these, more than 3 million have a significant disability.

Osteoarthritis is the most common joint disorder, affecting more than 1 million people.

Around 350,000 people have rheumatoid arthritis.
(Arthritis Research Campaign, 2002)

Definition

Becoming permanently disabled according to all the requirements of either of the following definitions:

LIFE TASKS

Becoming permanently disabled:

MENTAL INCAPACITY

Becoming permanently disabled:

What does this mean?

This benefit is designed as a general disability benefit. Whilst some of the disabling diseases of older age, such as Alzheimer’s disease and Motor Neurone disease are covered separately, there are other conditions which can prove to be just as debilitating. These could include conditions such as severe Rheumatoid Arthritis, which can prevent the sufferer from living without constant help and care. In some cases, it could just be extreme old age, which prevents the individual from looking after themselves.

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NEWS
Cancer risk 'cut by low fat diet'

12 October 2007 13:57:19
Women considering critical illness cover or life insurance have been advised on how to reduce their risk of ovarian cancer.

A new study has highlighted that post-menopausal women who eat a low fat diet could reduce their risk of developing the disease.

According to the Journal of the National Cancer Institute, the lowest risk was found in those who had the highest fat intake before the trial began.

Scientists from the Fred Hutchinson cancer Research Centre in Seattle investigated the contrasting effects of normal and low fat diets, with 30,000 women following their normal diet and 20,000 taking on an alternative routine.

The latter cut their fat intake to a fifth of their overall diet, consumed at least five servings of fruits and vegetables every day and also incorporated six servings of whole grains into their daily intake.

Although the risk of ovarian cancer was similar in the two groups four years later, it was smaller in the dieting group in the following four years.

"Ongoing follow-up of trial participants may provide additional valuable assessment of the effects of a low fat dietary pattern on these and other cancer incidence rates," the study's authors concluded.

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 adviceADNFCR-980-ID-18315347-ADNFCR


'Open' discussion would reduce STIs

29 July 2008 18:48:13
Encouraging people to talk openly and freely about sex is fundamental to decreasing the number of sexually transmitted infections (STIs), it has been claimed.

Spinvox, a service that captures spoken messages and sends them to destinations as texts, urged young people to be more open about sex, after research revealed that 14 per cent of 18-30 year-olds have booked a holiday simply to have sex with a stranger.

The research - conducted in collaboration with standbywhatyousay.com, a website encouraging people to be open about sex – indicated that there has been a six per cent rise in the number of STIs diagnosed in the UK.

Jonathan Simnett, global head of communications at Spinvox, said: "One of the reasons that people are at risk from STIs and HIV and AIDS is because they are not open about sex and the subject of safe sex in particular."

Although many young adults exercise responsibility in taking out life insurance policies, some are less careful when it comes to sexual relations, a factor that is blamed on celebrity culture in a new report by the Independent Advisory Group on Sexual Health and HIV.

Those concerned about sexual health might consider taking out UK life insurance.ADNFCR-980-ID-18707256-ADNFCR


Life insurance head thinks big

13 September 2007 14:13:28
Andrew Moss, the new chief executive of top UK life insurance provider Aviva, has outlined a new company strategy.

A proposed 'one Aviva' strategy is likely to shake up the life cover industry, with Mr Moss looking to revive the firm's fortunes following a failed approach for fellow life insurance provider Prudential last year.

Talking to Reuters, he explained that the new strategy involved a collaborative approach, exploring new markets.

"People underestimate the extent to which the company has been managed as a set of relatively independent businesses," he explained.

"That has had real benefits in terms of entrepreneurial spirit, but if you look at the way our competitors manage their businesses, they act more as a unified group."

Mr Moss went to explain that he planned an "aspirational" outlook for the company's future.

"Companies like Aviva have been around a long time, they have some legacy issues, but they are businesses that are evolving. The scope for productivity benefits to come out of managing the company in a different way and, frankly, a little more tightly, is part of the 'one Aviva' agenda."

Norwich Union, one of the top life cover companies in the UK, is a subsidiary of Aviva.

Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online.ADNFCR-980-ID-18278910-ADNFCR