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Home / Critical illness cover / - Loss of Limbs
Definition
The permanent physical severance of two or more limbs from above the wrist or ankle joint.
What does this mean?
Loss of limbs could be caused by an accident or because of an illness.
NEWS
UK life insurance 'cheaper' as people live longer
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
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
UK adults to receive vascular screening
01 April 2008 17:34:22
The NHS is to offer vascular screening to adults in a bid to save 2,000 lives each year, the health secretary has announced.
The national programme, which will be will available to people aged between 40 and 74, aims to identify vulnerability to vascular diseases and prevent up to 9,500 heart attacks and strokes - conditions which can affect life insurance policies - every year.
Announcing the proposals, Alan Johnson said: "The NHS is becoming more personal and responsive to individual needs; becoming as good at prevention and keeping people healthy as it is at providing care and cures; and able to offer the information and support people need to make healthy choices."
The checks would be based on straightforward questions and measurements such as age, sex, family history, height, weight and blood pressure.
A blood test to measure cholesterol levels is also to be included.
Research carried out by the Department of Health shows that the programme would also prevent 4,000 people a year from developing diabetes.
Mr Johnson told BBC Breakfast that pharmacies and community centres may be used to offer the scheme in addition to GP surgeries to encourage more people to participate.
According to the Department of Health, vascular diseases affect the lives of more than four million people and kill 170,000 every year.
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
Repository of blood samples collected for MS research
25 April 2008 16:35:43
Multiple sclerosis (MS) research has been given a substantial boost by the collection of 1,000 blood samples to be used for analysis into the disease.
The neurological condition - which may affect life insurance policies -is the result of damage to a protective sheath surrounding the nerve fibres of the central nervous system that interferes with messages between the brain and other parts of the body, affecting movement.
The Accelerated Cure Project for Multiple Sclerosis, a nonprofit organisation in the US, has collected the blood and data sample in a bid to build the largest repository for research into the disease.
Art Mellor, founder of the Accelerated Cure Project, said: "This is a major milestone for the Accelerated Cure Project.
"Limited sample size is one of the most frequently cited reasons for inconclusive results in MS research. Our repository provides researchers with immediate access to a far greater number of samples than most scientists could collect themselves."
The repository will also provide a common population sample which will be useful for a variety of scientific research studies, the organisation said.
According to the Multiple Sclerosis Society around 85,000 people in the UK suffer from the illness.
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
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
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
01 April 2008 17:34:22
The NHS is to offer vascular screening to adults in a bid to save 2,000 lives each year, the health secretary has announced.
The national programme, which will be will available to people aged between 40 and 74, aims to identify vulnerability to vascular diseases and prevent up to 9,500 heart attacks and strokes - conditions which can affect life insurance policies - every year.
Announcing the proposals, Alan Johnson said: "The NHS is becoming more personal and responsive to individual needs; becoming as good at prevention and keeping people healthy as it is at providing care and cures; and able to offer the information and support people need to make healthy choices."
The checks would be based on straightforward questions and measurements such as age, sex, family history, height, weight and blood pressure.
A blood test to measure cholesterol levels is also to be included.
Research carried out by the Department of Health shows that the programme would also prevent 4,000 people a year from developing diabetes.
Mr Johnson told BBC Breakfast that pharmacies and community centres may be used to offer the scheme in addition to GP surgeries to encourage more people to participate.
According to the Department of Health, vascular diseases affect the lives of more than four million people and kill 170,000 every year.
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
25 April 2008 16:35:43
Multiple sclerosis (MS) research has been given a substantial boost by the collection of 1,000 blood samples to be used for analysis into the disease.
The neurological condition - which may affect life insurance policies -is the result of damage to a protective sheath surrounding the nerve fibres of the central nervous system that interferes with messages between the brain and other parts of the body, affecting movement.
The Accelerated Cure Project for Multiple Sclerosis, a nonprofit organisation in the US, has collected the blood and data sample in a bid to build the largest repository for research into the disease.
Art Mellor, founder of the Accelerated Cure Project, said: "This is a major milestone for the Accelerated Cure Project.
"Limited sample size is one of the most frequently cited reasons for inconclusive results in MS research. Our repository provides researchers with immediate access to a far greater number of samples than most scientists could collect themselves."
The repository will also provide a common population sample which will be useful for a variety of scientific research studies, the organisation said.
According to the Multiple Sclerosis Society around 85,000 people in the UK suffer from the illness.
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