Welcome, how can we help?
Policy Types
Getting Technical

 

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.

Back  button

NEWS
Smoking and obesity can cause deafness

10 June 2008 17:43:59
In addition to being life-threatening, smoking and obesity could cause permanent hearing damage, a new study has found.

The latest research, carried out at Antwerp University, showed that smokers and obese people had difficulty picking out high frequency sounds.

Those that had been exposed to very loud noises in the workplace were the worst affected, however.

Dr Erik Fransen, one of the lead researchers at Antwerp University, said: "The hearing loss is proportional to how much you smoke and your body mass index (BMI). It starts getting worse once you have smoked regularly for more than one year."

Unfortunately for those affected, Dr Fransen explained that "once the damage has been caused, there is no way to repair it".

Researchers believe that smoking can disrupt the flow of blood around the body which in turn restricts oxygen. This process, together with a build up of toxic waste, is thought to damage the ear. ADNFCR-980-ID-18632693-ADNFCR


Cat owners at reduced risk of stroke

20 March 2008 17:09:49
People who own cats are less likely to suffer a stroke or a heart attack than their non cat owning counterparts, new research shows.

According to scientists in America, who looked at 4,435 adults aged between the age of 30 and 75, having a cat as a pet reduces the risk of strokes by more than a third.

Even when other heart disease-triggering lifestyle factors such as smoking, diabetes and high cholesterol were taken into account cat owners were still found to be significantly less vulnerable.

While it was unclear why this was the case, Professor Adnan Qureshi from the Minnesota University said it is possible that owning a cat relieves stress and anxiety, which subsequently lowers blood pressure and reduces the heart rate.

Alternatively, it could be the case that the type of people who choose to own cats as pets are generally more stress-free and are therefore healthier, allowing them to enjoy cheaper life insurance premiums.

According to the Stroke Association an estimated 150,000 people in the UK have a stroke each year, around 67,000 of whom die as a result.

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 onlineADNFCR-980-ID-18519256-ADNFCR


'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

ADNFCR-980-ID-18572306-ADNFCR