Welcome, how can we help?
Policy Types
Getting Technical
Home / - Living outside the UK
If you move away to live outside the UK this could affect the cover and premiums. You should check the policy terms and conditions carefully if you could be affected by this provision.
Generally we are able to quote standard terms to customers currently living in the UK and Isle of Man and the Channel Islands . Customers that are genuinely living in the UK and apply for life insurance (assurance) on this basis that subsequently find (and did not know when they started their life insurance/assurance), they want to move away should still be covered.
NEWS
Women needed to eat chocolate for diabetes trial
29 April 2008 13:32:41
A university is seeking female volunteers to take part in a study into the health benefits of chocolate for diabetes sufferers.
Researchers at the University of East Anglia (UEA) aim to determine whether compounds found in cocoa can prevent the increased risk of developing heart disease - a condition which may affect life insurance policies - that is associated with diabetes.
Some 150 post-menopausal women with type 2 diabetes will eat a bar of special Belgian chocolate every day during the trial.
Compounds called flavonoids, which can provide protection from heart disease, are found in cocoa-rich foods.
The chocolate used in the trial has been carefully designed to minimise the destruction flavonoids, which usually occurs during the chocolate-making process.
Lead researcher for the study and professor of diet and health at UEA, Professor Aedin Cassidy, said: "Despite postmenopausal women being at a similar risk to men for developing cardiovascular disease, to date they are under-represented in clinical trials."
However Diabetes UK, which is sponsoring the research, has advised people against consuming large quantities of chocolate as it is very high in sugar and fat.
According to the organisation, older women with diabetes are five times more likely to develop heart disease than those without the condition.
Please click here for advice on UK life insurance, life insurance policies and a life insurance quote
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".
Scientists can detect liver cancer onset early
16 April 2007 17:44:19
Researchers in America have used successfully biomarkers to detect the onset of liver carcinomas within high risk individuals.
According to the study undertaken by scientists at Colombia University's Mailman School of Public Health in New York and published in the current edition of the journal Clinical Cancer Research, DNA isolated from serum samples were used to detect tumour suppressor gene changes that may potentially indicate the early stages of hepatocellular of liver carcinomas (HCC).
Using data from a screening programme in Taiwan which involved 12,000 male and 11,900 female participants, the research team, led by Dr Regina Santella, found that changes within serum DNA were signs of early stage liver tumours up to nine years prior to diagnosis.
Dr Santella said: "These are extremely encouraging findings. Having the tools to identify hepatocellular carcinoma at earlier stages, is truly a breakthrough for addressing the challenges that result from this highly lethal form of cancer."
At present, the presence of hepatitis B and C, as well as factors such as age, are used to indicate the likelihood of HCC and, used in combination with the DNA serum testing, the scientists achieved overall predictive accuracy of 89 per cent, the report revealed.
29 April 2008 13:32:41
A university is seeking female volunteers to take part in a study into the health benefits of chocolate for diabetes sufferers.
Researchers at the University of East Anglia (UEA) aim to determine whether compounds found in cocoa can prevent the increased risk of developing heart disease - a condition which may affect life insurance policies - that is associated with diabetes.
Some 150 post-menopausal women with type 2 diabetes will eat a bar of special Belgian chocolate every day during the trial.
Compounds called flavonoids, which can provide protection from heart disease, are found in cocoa-rich foods.
The chocolate used in the trial has been carefully designed to minimise the destruction flavonoids, which usually occurs during the chocolate-making process.
Lead researcher for the study and professor of diet and health at UEA, Professor Aedin Cassidy, said: "Despite postmenopausal women being at a similar risk to men for developing cardiovascular disease, to date they are under-represented in clinical trials."
However Diabetes UK, which is sponsoring the research, has advised people against consuming large quantities of chocolate as it is very high in sugar and fat.
According to the organisation, older women with diabetes are five times more likely to develop heart disease than those without the condition.
Please click here for advice on UK life insurance, life insurance policies and a life insurance quote
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".
16 April 2007 17:44:19
Researchers in America have used successfully biomarkers to detect the onset of liver carcinomas within high risk individuals.
According to the study undertaken by scientists at Colombia University's Mailman School of Public Health in New York and published in the current edition of the journal Clinical Cancer Research, DNA isolated from serum samples were used to detect tumour suppressor gene changes that may potentially indicate the early stages of hepatocellular of liver carcinomas (HCC).
Using data from a screening programme in Taiwan which involved 12,000 male and 11,900 female participants, the research team, led by Dr Regina Santella, found that changes within serum DNA were signs of early stage liver tumours up to nine years prior to diagnosis.
Dr Santella said: "These are extremely encouraging findings. Having the tools to identify hepatocellular carcinoma at earlier stages, is truly a breakthrough for addressing the challenges that result from this highly lethal form of cancer."
At present, the presence of hepatitis B and C, as well as factors such as age, are used to indicate the likelihood of HCC and, used in combination with the DNA serum testing, the scientists achieved overall predictive accuracy of 89 per cent, the report revealed.