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Home /Family Life Insurance Quote
There are two ways you can provide life insurance cover (also known as life assurance cover) for your family.
You can either:
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Provide a cash sum (lump sum), all in one go upon death or,
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You can provide an income tax free and guaranteed from the date of death until the policy end date.
For example if you would like your dependents to receive say £200,000 if you die and then nothing else then you should select the lump sum option.
Alternatively it might be better (and cheaper) to calculate how much your dependents need to live on if you die.
So supposing your family shopping bill, plus monthly electricity, gas, phone bills plus all your other clothing and household expenses comes to £1,000 per month, then you should insure £1,000 x 12 = £12,000 on a “Family Income Benefit” plan.
This means that if the life assured dies the plan will pay £1,000 per month guaranteed and tax free from the date of death until the end of the plan term. This is an excellent way of protecting your family.
Life Insurance News
'Chemotherapy drug may cause brain damage'
The life insurance policies of cancer sufferers may be affected by the news that a commonly used chemotherapy drug could cause some of the cognitive side effects experienced by many patients.
Scientists at the University of Rochester Medical Centre and Harvard Medical School have linked the widely used chemotherapy drug 5-fluorouracil (5-FU) to a phenomenon known as "chemo brain", which includes short-term memory loss and in extreme cases, seizures, vision loss, and even dementia.
Previously, these cognitive side effects were often dismissed as the byproduct of fatigue, depression and anxiety related to cancer diagnosis and treatment.
A previous study two years ago by researchers from the University of Rochester found that more than 82 per cent of breast cancer patients suffer from some form of cognitive impairment.
In addition, some patients have reported experiencing these side effects months after treatment has finished, the researchers said.
"It is clear that, in some patients, chemotherapy appears to trigger a degenerative condition in the central nervous system," said Dr Mark Noble, a senior author behind the study.
"Because these treatments will clearly remain the standard of care for many years to come, it is critical that we understand their precise impact on the central nervous system, and then use this knowledge as the basis for discovering means of preventing such side effects," he added.
However, Martin Ledwick from Cancer Research UK told the BBC that as the study had been carried out on animals, more research would be needed before any firm conclusions could be drawn on the effect on cancer patients.
Please click here for advice on UK life insurance, life insurance policies and a life insurance quote
Antibiotic-resistant superbugs must be tackled to 'prevent future outbreaks'
Treatment-resistant superbugs could reduce Britain to a pre-antibiotic era where doctors were helpless to protect the public against common infections that ended up killing thousands.
That is the conclusion of a new study by the UK's science academy, the Royal Society. This would have an effect on hospital patient's life insurance policies.
Professor David Read, vice president of the academy, expressed concern that the battle against superbugs had been focused too heavily on keeping hospitals clean.
He explained that not enough attention had been paid to tackling the bugs themselves, saying: "This is important, but it will not deal with the fact that MRSA and other infections are increasingly resistant to the medicines we have come to rely on to treat them."
Professor Read went on: "We must make sure that the investment is in place to deliver the next generation of antibiotics to tackle future outbreaks of infection."
According to the report, mankind is losing the battle against once-treatable bacteria and this is born out by the statistics.
MRSA - or Methicillin-resistant Staphylococcus aureus - contributes to the death of around 5,000 people each year in the UK.
Hospital superbugs will have an effect on UK life insurance.
Weight gain initiative helps Alzheimer's patients
A Swedish research study aimed at aiding the weight gain of Alzheimer's disease patients has also been found to improve their intellectual capabilities.
Scientists at the Karolinska Institutet in Stockholm studied two nursing wards with similar staffing profiles - while the average weight of patients in the control group in the study was found to have fallen by 4.1kg during the three-month study, 13 of the 18 patients in the intervention group gained weight, with the average weight rising from 55.9kg to 59.4kg.
One patient in the intervention group gained 7kg during the research, during which meal routines were altered and staff/patient communication increased.
While no changes were administered to the control group, patients in the intervention group were encouraged to serve their own meals, staff wore brightly-coloured clothes and researchers noticed increased sociability between the patients, as well as the recorded weight gain.
Roger Watson, editor of the Journal of Clinical Nursing, paid tribute to the Karolinska research: "The current study shows a marked difference in weight change between the intervention and control groups and a strong link between weight gain and improved intellectual ability.
"I hope that it will stimulate further lines of enquiry as there is a vital need to improve nutrition among elderly patients, particularly those with Alzheimer's disease and other forms of dementia"
Weight loss is commonly associated with Alzheimer's disease and dementia, in part due to "meal environment, communication difficulties, loss of independence and confusion", according to lead researcher Anna-Greta Mamhidir.
The life insurance policies of cancer sufferers may be affected by the news that a commonly used chemotherapy drug could cause some of the cognitive side effects experienced by many patients.
Scientists at the University of Rochester Medical Centre and Harvard Medical School have linked the widely used chemotherapy drug 5-fluorouracil (5-FU) to a phenomenon known as "chemo brain", which includes short-term memory loss and in extreme cases, seizures, vision loss, and even dementia.
Previously, these cognitive side effects were often dismissed as the byproduct of fatigue, depression and anxiety related to cancer diagnosis and treatment.
A previous study two years ago by researchers from the University of Rochester found that more than 82 per cent of breast cancer patients suffer from some form of cognitive impairment.
In addition, some patients have reported experiencing these side effects months after treatment has finished, the researchers said.
"It is clear that, in some patients, chemotherapy appears to trigger a degenerative condition in the central nervous system," said Dr Mark Noble, a senior author behind the study.
"Because these treatments will clearly remain the standard of care for many years to come, it is critical that we understand their precise impact on the central nervous system, and then use this knowledge as the basis for discovering means of preventing such side effects," he added.
However, Martin Ledwick from Cancer Research UK told the BBC that as the study had been carried out on animals, more research would be needed before any firm conclusions could be drawn on the effect on cancer patients.
Please click here for advice on UK life insurance, life insurance policies and a life insurance quote
Treatment-resistant superbugs could reduce Britain to a pre-antibiotic era where doctors were helpless to protect the public against common infections that ended up killing thousands.
That is the conclusion of a new study by the UK's science academy, the Royal Society. This would have an effect on hospital patient's life insurance policies.
Professor David Read, vice president of the academy, expressed concern that the battle against superbugs had been focused too heavily on keeping hospitals clean.
He explained that not enough attention had been paid to tackling the bugs themselves, saying: "This is important, but it will not deal with the fact that MRSA and other infections are increasingly resistant to the medicines we have come to rely on to treat them."
Professor Read went on: "We must make sure that the investment is in place to deliver the next generation of antibiotics to tackle future outbreaks of infection."
According to the report, mankind is losing the battle against once-treatable bacteria and this is born out by the statistics.
MRSA - or Methicillin-resistant Staphylococcus aureus - contributes to the death of around 5,000 people each year in the UK.
Hospital superbugs will have an effect on UK life insurance.
A Swedish research study aimed at aiding the weight gain of Alzheimer's disease patients has also been found to improve their intellectual capabilities.
Scientists at the Karolinska Institutet in Stockholm studied two nursing wards with similar staffing profiles - while the average weight of patients in the control group in the study was found to have fallen by 4.1kg during the three-month study, 13 of the 18 patients in the intervention group gained weight, with the average weight rising from 55.9kg to 59.4kg.
One patient in the intervention group gained 7kg during the research, during which meal routines were altered and staff/patient communication increased.
While no changes were administered to the control group, patients in the intervention group were encouraged to serve their own meals, staff wore brightly-coloured clothes and researchers noticed increased sociability between the patients, as well as the recorded weight gain.
Roger Watson, editor of the Journal of Clinical Nursing, paid tribute to the Karolinska research: "The current study shows a marked difference in weight change between the intervention and control groups and a strong link between weight gain and improved intellectual ability.
"I hope that it will stimulate further lines of enquiry as there is a vital need to improve nutrition among elderly patients, particularly those with Alzheimer's disease and other forms of dementia"
Weight loss is commonly associated with Alzheimer's disease and dementia, in part due to "meal environment, communication difficulties, loss of independence and confusion", according to lead researcher Anna-Greta Mamhidir.