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Home / Critical illness cover / - Loss of Speech
Definition
Total permanent and irreversible loss of the ability to speak as a result of physical injury or disease.
What does this mean?
Loss of speech may be caused if the vocal chords are damaged in an accident or by a disease such as cancer of the larynx. The loss must be total, permanent and irreversible. Therefore a claim would not be paid if the loss was only partial or was a temporary condition. It is possible for the power of speech to be lost without physical damage to the vocal chords, possibly because of a severe mental trauma or shock. However, in such cases it is nearly impossible to determine whether the loss is permanent and therefore a claim would not be paid.
NEWS
Change in Bicarbonate could indicate cancer
30 May 2008 18:42:46
Researchers have uncovered an unusual tool for detecting cancer at an early stage and checking the progress of treatment for the disease.
Cancer Research UK's team discovered that MRI scans could track changes in bicarbonate, which occurs naturally in the body, to uncover cancerous cells.
Cancerous tissue turns bicarbonate into carbon dioxide so by studying this transformation, scientists could detect the disease.
Dr Ferdia Gallagher, researcher at Cancer Research UK's Cambridge Research Institute at the University of Cambridge, said: "Although it's early days, if this technique proves to be safe and effective in cancer patients it has the potential to be a crucial tool in detecting cancer earlier - which is often the key to successful treatment."
Dr Lesley Walker, director of cancer information at Cancer Research UK, explained that the first stage is to take the process through clinical trials to check whether it is safe and effective.
She said if the trials are successful the treatment could become a "useful tool" that could "save many lives".
Half of sun creams 'lack protection'
01 August 2008 17:25:51
Less than half of sun creams on the market offer full protection from the sun, according to latest research.
A study by Mintel Global New Products Database found that not all sun creams protect against UVA and UVB rays.
Although most provide UVB protection, many do not offer protection from UVB rays – the rays that cause skin cancers.
The research revealed that of the 750 sunscreen products launched every day across Europe, less than half supply dual protection against UVA and UVB.
"What many people may not realise is that if they just have UVB protection, they are less likely to burn but they have no protection against the harmful and ageing effects of UVA rays," said Alexandra Richmond, senior beauty analyst at Mintel.
Worryingly, the research also found that some sun creams on the market did not even offer protection against UVA rays, which cause skin cell mutation.
This follows news that a new genetic test has been developed in the US, which determines what type of cancer cells are in a malignant tumour.
With these frightening statistics, it is a good idea for people to take out a UK life insurance policy to cover themselves.
People concerned about cancer often get life insurance policies.
Legal & General wins prestigious award
09 July 2007 11:49:15
Leading UK life insurance company Legal & General has been named the Insurer of the Year, at the British Insurance Awards.
The win was the eighth in ten years for the life cover provider, with Gary Burchett, managing director, describing the triumph as "a real honour".
Dara O'Briain, the Irish comedian and TV personality, was the host for the awards at the Royal Albert Hall, with Legal & General praised for its range of life insurance, critical illness cover and income protection products.
Mr Burchett said: "We continue to strive for excellence and this award is a reflection of all the hard work that our people have put in to creating better service, better systems and better products."
He continued: "The life insurance industry continues to be very competitive and we certainly cannot rest on our laurels. Our strengths lie in offering value for money life insurance products through a broad range of distributors, backed by a commitment to excellent customer service."
30 May 2008 18:42:46
Researchers have uncovered an unusual tool for detecting cancer at an early stage and checking the progress of treatment for the disease.
Cancer Research UK's team discovered that MRI scans could track changes in bicarbonate, which occurs naturally in the body, to uncover cancerous cells.
Cancerous tissue turns bicarbonate into carbon dioxide so by studying this transformation, scientists could detect the disease.
Dr Ferdia Gallagher, researcher at Cancer Research UK's Cambridge Research Institute at the University of Cambridge, said: "Although it's early days, if this technique proves to be safe and effective in cancer patients it has the potential to be a crucial tool in detecting cancer earlier - which is often the key to successful treatment."
Dr Lesley Walker, director of cancer information at Cancer Research UK, explained that the first stage is to take the process through clinical trials to check whether it is safe and effective.
She said if the trials are successful the treatment could become a "useful tool" that could "save many lives".
01 August 2008 17:25:51
Less than half of sun creams on the market offer full protection from the sun, according to latest research.
A study by Mintel Global New Products Database found that not all sun creams protect against UVA and UVB rays.
Although most provide UVB protection, many do not offer protection from UVB rays – the rays that cause skin cancers.
The research revealed that of the 750 sunscreen products launched every day across Europe, less than half supply dual protection against UVA and UVB.
"What many people may not realise is that if they just have UVB protection, they are less likely to burn but they have no protection against the harmful and ageing effects of UVA rays," said Alexandra Richmond, senior beauty analyst at Mintel.
Worryingly, the research also found that some sun creams on the market did not even offer protection against UVA rays, which cause skin cell mutation.
This follows news that a new genetic test has been developed in the US, which determines what type of cancer cells are in a malignant tumour.
With these frightening statistics, it is a good idea for people to take out a UK life insurance policy to cover themselves.
People concerned about cancer often get life insurance policies.
09 July 2007 11:49:15
Leading UK life insurance company Legal & General has been named the Insurer of the Year, at the British Insurance Awards.
The win was the eighth in ten years for the life cover provider, with Gary Burchett, managing director, describing the triumph as "a real honour".
Dara O'Briain, the Irish comedian and TV personality, was the host for the awards at the Royal Albert Hall, with Legal & General praised for its range of life insurance, critical illness cover and income protection products.
Mr Burchett said: "We continue to strive for excellence and this award is a reflection of all the hard work that our people have put in to creating better service, better systems and better products."
He continued: "The life insurance industry continues to be very competitive and we certainly cannot rest on our laurels. Our strengths lie in offering value for money life insurance products through a broad range of distributors, backed by a commitment to excellent customer service."