Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness

Size: px
Start display at page:

Download "Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness"

Transcription

1 Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness

2 What's inside 2 Cancer survival rates 5 Survival rates are improving 6 Coping with a critical illness 8 Protection you need at a cost you can afford 10 What are your priorities? 12 So why choose Bright Grey? 13 Howard s story

3 Introduction You probably have life insurance for when you die. But what insurance do you have in case you live? Words like cancer, heart attack and stroke immediately make us think the worst. But the statistics in this booklet aren t meant to scare you. We want to show you that more people than ever now survive critical illnesses. Finding out you have a critical illness is devastating. Discovering that you don t have the right protection in place to help you get through it financially doesn t bear thinking about. This booklet shows that everyone should think about protecting themselves against the financial impact of surviving a critical illness. 1

4 Cancer survival rates Your chance of surviving cancer is increasing Thanks to advances in cancer research, thousands of people who wouldn t have survived 10 years ago are still here today.¹ In fact, as you can see from the table, many of the most common cancers show improved survival rates. Although this is great news, statistics don t tell the whole story. Surviving an illness can often create financial pressures, so along with the increase in survival rates comes the need for more financial support. Changes in survival rates for common cancers All cancers Testis Malignant melanoma Prostate Hodgkin lymphoma Breast Uterus NHL Cervix Larynx Bowel Bladder Kidney Leukaemia Ovary Myeloma Stomach Brain Oesophagus Lung Pancreas Incidence Changes in survival, to % 25% 50% 75% 100% Source: 1 age-standardised 10-year net survival, selected cancers, adults aged 15-99, England and Wales , October year net survival, adults aged 15-99, England and Wales, , October Do I really need critical illness cover?

5 87% 87% of breast cancer sufferers will survive for at least 5 years. 2 3

6 1 in 3 More than 1 in 3 people who suffer a heart attack survive. 1 4 Do I really need critical illness cover?

7 Survival rates are improving Every year, 146,000 people suffer a heart attack. 52,000 of those people will survive. 1 Survival rates for heart attack and stroke patients are also improving. However, living with the effects of these illnesses can mean a complete change in lifestyle. The amount of activity you can do after a heart attack will depend on the condition of your heart. Most people can return to work and the activities they enjoy within a few months of having a heart attack. Others may have to limit their activity if the heart muscle is very weak. The good news is that in most cases heart disease and strokes can be prevented. Following a healthy lifestyle that includes a balanced diet and exercise, not smoking and reducing your alcohol intake can reduce your chances of having a heart attack or stroke. Your GP can check your blood pressure and cholesterol if you re concerned about your health. They ll also be able to advise you on any changes you could make to improve your lifestyle. Strokes can also affect people differently. Many stroke survivors continue to improve over a longer time, sometimes over a number of years. Their recovery is in fact a long period of rehabilitation, as they learn to deal with the effects the stroke has had on them.! Worried about your blood pressure? Speak to your GP today Source: 1 Facts and Figures: Heart Disease in the UK, October

8 Coping with a critical illness 4 in 5 cancer patients suffer a loss of income and/or higher costs as a result of their diagnosis. 1 We ve seen that survival rates for critical illnesses are improving which is great news but life often changes dramatically after diagnosis. Not just emotionally, but financially too. Mortgage payments, council tax, childcare costs, food and utility bills are just some of the regular payments that still have to be made. There might even be extra things to pay for such as medication, or changes to the home. Sick pay from your employer might help, but only for a short period, and state benefits only offer a limited amount. Many people who are well enough to return to work can t always work the same hours as before, so they could well experience a long-term drop in income. It would be nice to know there was a financial cushion to fall back on if this happened, to make life that little bit easier. It would mean you could concentrate on getting better. This is where critical illness cover can really help. Even a little bit is better than none at all. It would give you some peace of mind that if the worst happened, you d be covered. How would you cope financially if you had a critical illness? Source: 1 October Do I really need critical illness cover?

9 7

10 Protection you need at a cost you can afford We regularly buy takeaway coffees or glossy magazines with money that we don t even miss! It s amazing how those little extras bought without thinking soon mount up. Two cappuccinos a week for example might only cost 5, but that adds up to 20 a month or 240 a year. To find out how much you re spending on life s little luxuries, go to and try our lifestyle calculator. It adds up how much you really spend each month on little treats. And yet for 20 a month you could also buy over 40,000 of Life or Critical Illness Cover 1 to protect yourself and your family against the financial impact of a critical illness. Family spending The average UK household spend a week in Transport Recreation/ culture Food nonalcoholic drink Restaurants/ hotels Household goods/services Clothing/ footwear Communications Alcoholic drinks/tobacco Source: 1 Couple age 29 and 26, both non-smokers. 41, year term on guaranteed rates, including 2.60 plan charge, Bright Grey Personal Protection Menu, October National Statistics Online, February Bright Grey research, October Do I really need critical illness cover?

11 There s always something else to spend our money on. Cinema for 2 Once a month 20 a month 3. Tenpin bowling for 2 Once a month 25 a month 3. Total cost 160 A nice bottle of red Once a week 40 a month 3. Dining out for 2 Once a month 75 a month 3. + See how all your treats add up 9

12 What are your priorities? We insure our phones, our homes and even our holidays but sometimes we forget to insure ourselves. This statement may seem odd to you, but statistics show that it s true. We had a look at what people insure and were surprised to find that they place more importance on insuring their mobile phones than protecting themselves from the financial consequences of a critical illness such as cancer. In fact, people are more likely to insure most of their possessions before they think about themselves and their family. Then there's travel insurance, and health or dental insurance. It's even illegal to drive a car without insurance 1. So although there s always something else to insure, perhaps it s time to make insuring ourselves, our health and our family a priority. What people insure 100% 80% 60% 40% % % Critical illness Mobile phone Pet Source: 1 October Mintel, June Mintel, September Mintel, August Do I really need critical illness cover?

13 Pet insurance policy for an average dog a month

14 So why choose Bright Grey? With us you ll get more than just financial protection. You also get our unique Helping Hand service. Unlike other providers, we won t just hand you a cheque and walk away. We want to help. Illness can strike anyone at any time and when it does, it brings lots of questions, concerns, choices and, of course, uncertainty. And that s why we include our unique Helping Hand service within every menu plan at no extra cost. Helping Hand gives you and your immediate family access to your own personal nurse adviser from RedArc, an independent care advisory service. They can give you direct contact and ongoing support, write a care plan or put you in touch with support groups. And if you re unsure about a diagnosis or recommended course of treatment, your personal nurse adviser can discuss a second medical opinion with you and may help you decide if you would benefit from this. They can then arrange for the second opinion to take place within the NHS or private sector in the UK, Channel Islands or Isle of Man whichever is right for you. What s more, your nurse adviser will then be able to help you understand the second opinion and the suggested options as well as offering support to help you cope. They can also arrange additional therapy or counselling to help you all at no extra cost. And the help isn t limited to just the plan owner. We know that if you ve had to make a claim, your family will need to come to terms with something devastating. So our Helping Hand service is able to offer help and support to them for as long as they need it. You and your family can use Helping Hand as soon as your plan starts you don t have to claim to use it. We're here to 'hold, guide and support them' through probably one of the most traumatic experiences of their lives. Sue McNelly Personal Nurse Adviser 88% of people we referred in 2014 used Helping Hand. 1 Source: 1 RedArc statistics, Do I really need critical illness cover?

15 Howard s story It s all about a hand up, not just a hand out. In July 2004, 41-year-old Howard Tighe suffered a stroke. But thanks to Helping Hand, he returned to work just 12 months later. Howard s personal nurse adviser Jan arranged a series of physiotherapy sessions that helped increase his mobility and independence. There was no extra cost for Howard s treatment it was all included in his Bright Grey plan. Without the tailored, practical help and emotional support Helping Hand gave me and my family, I wouldn't have made the recovery I did. Howard Tighe Bright Grey Customer If you want to find out how our Helping Hand service can support you and your family when you need it most, talk to your adviser or visit to read about other Bright Grey customer stories. For more information, watch this clip

16 We all love to live life. So let s protect it too. T F E W A 2 Queen Street, Edinburgh, EH2 1BG Bright Grey is a division of the Royal London Group, which consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number It provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Registered in England and Wales number Registered office: 55 Gracechurch Street, London, EC3V 0RL. PC1524C.0215

Have you protected the most valuable things in your home? Protecting yourself as well as your home

Have you protected the most valuable things in your home? Protecting yourself as well as your home Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical

More information

Why do I need protection?

Why do I need protection? Why do I need protection? What s inside 3 Life cover 4 Critical illness cover 7 Income protection 8 Who else would you rely on? 10 It might cost less than you think 12 A word from your adviser... Introduction

More information

Our annual check-up. Critical illness claims statistics 2014. For advisers only 1

Our annual check-up. Critical illness claims statistics 2014. For advisers only 1 Our annual check-up Critical illness claims statistics 214 For advisers only 1 A picture of confidence We 94% of critical illness claims in 214 We re in business to pay claims. And in an industry like

More information

Help first-time buyers get on the protection ladder

Help first-time buyers get on the protection ladder For advisers only Help first-time buyers get on the protection ladder Affordable cover for your clients Mortgage opportunities. Protect more than just the bricks and mortar. What s inside 1 Helping your

More information

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full

More information

Critical illness cover. It s about time.

Critical illness cover. It s about time. Report prepared for 29 September 2015 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out, you don t, it doesn t. Unfortunately, life itself isn

More information

Critical illness cover. It s about time.

Critical illness cover. It s about time. Report prepared for 6 March 2014 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out, you don t, it doesn t. Unfortunately, life itself isn t that

More information

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery

More information

OUR ANNUAL CHECK-UP. Critical Illness Claims Statistics 2014. Protection

OUR ANNUAL CHECK-UP. Critical Illness Claims Statistics 2014. Protection OUR ANNUAL CHECK-UP Protection Critical Illness Statistics 21 WE RE IN BUSINESS TO PAY CLAIMS In an industry like ours, claims statistics are important. They help to reassure you that if your clients ever

More information

Critical illness cover. It s about time.

Critical illness cover. It s about time. Report prepared for 9 December 2015 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out. You don t, it doesn t. Unfortunately, life itself isn

More information

Protecting your business protecting you. Why do I need business protection?

Protecting your business protecting you. Why do I need business protection? Protecting your business protecting you Why do I need business protection? As a business owner you know what you need to make your business a success. Suitable premises, machinery or tools, and your computer

More information

WHEN YOU NEED IT MOST

WHEN YOU NEED IT MOST A HELPING HAND WHEN YOU NEED IT MOST A Guide to Your One to One Personal Support Helping Hand: One to One Personal Support Introducing ROYAL LONDON Ever since we started as a Friendly Society over 150

More information

52,929,390 paid out in critical illness claims in the first six months of 2013*

52,929,390 paid out in critical illness claims in the first six months of 2013* Critical Illness Report (January to June 2013) 52,929,390 paid out in critical illness claims in the first six months of 2013* 66 % Cancer 12 % Heart Attack 9 % Other 3 % Benign Brain Tumour 4 % Multiple

More information

CRITICAL ILLNESS COVER

CRITICAL ILLNESS COVER CRITICAL ILLNESS COVER IF LIFE WERE TO CHANGE overnight due to a critical illness, and you had to stop working to focus on your health, have you thought about what financial support you have in place?

More information

CRITICAL ILLNESS COVER

CRITICAL ILLNESS COVER CRITICAL ILLNESS COVER IF LIFE WERE TO CHANGE overnight due to a critical illness, and you had to stop working to focus on your health, have you thought about what financial support you have in place?

More information

This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote.

This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. Key facts of the Lifestyle Plus Protection plan (October 2013) This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. This document

More information

43,303,919 paid out in critical illness claims in the first six months of 2012*

43,303,919 paid out in critical illness claims in the first six months of 2012* Critical Illness Claims Report 43,303,919 out in critical illness claims in the first six months of 2012* 60 % Cancer 16 % Heart Attack 10 % Other 3 % Benign Brain Tumour 5 % Multiple Sclerosis 6 % Stroke

More information

Life and protection insurance explained

Life and protection insurance explained protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If

More information

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote.

This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. Key facts of the Lifestyle Protection plan July 2014 This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. This document doesn

More information

Family protection made easy

Family protection made easy Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

A research briefing paper by Macmillan Cancer Support

A research briefing paper by Macmillan Cancer Support A research briefing paper by Macmillan Cancer Support Introduction Key findings 3 People with cancer are surviving longer 4 Median survival time has seen dramatic improvement for some cancers 5 Median

More information

A guide to prostate cancer clinical trials

A guide to prostate cancer clinical trials 1 A guide to prostate cancer clinical trials In this fact sheet: What is a clinical trial? Why are trials done? What are trials looking into at the moment? How are clinical trials done? Should I take part

More information

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind?

Though not a pleasant thought it's important to think about this: when you die, who will you leave behind? Personal insurance There are many risks you face during your lifetime, but the most serious ones you will face are death, disability, serious illness and/ or medical intervention (surgery). These can happen

More information

OUR BUSINESS MENU PLAN

OUR BUSINESS MENU PLAN KEY FACTS OF OUR BUSINESS MENU PLAN Protection Business Menu Important information you should read WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4

More information

Living benefits. Oasis. A look at critical illness insurance claims

Living benefits. Oasis. A look at critical illness insurance claims Living benefits solutions Oasis A look at critical illness insurance claims People are living longer. If you experience a critical illness, you re now more likely to survive it and live for many years.

More information

LIFE AND PROTECTION INSURANCE EXPLAINED

LIFE AND PROTECTION INSURANCE EXPLAINED LIFE AND PROTECTION INSURANCE EXPLAINED INTRODUCTION Most of us would like to think that when our lives come to an end, we ll be old, our loved ones will be financially secure and our financial responsibilities

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

BUYING A PENSION ANNUITY.

BUYING A PENSION ANNUITY. PENSION ANNUITies BUYING A PENSION ANNUITY BUYING A PENSION ANNUITY. 1 This is an important, once and for all, decision. We want you to be confident that you have the information you need to make the right

More information

Life and Protection Insurance explained

Life and Protection Insurance explained OPW 01 (03/11) Demographik Life and Protection Insurance explained Openwork Limited is authorised and regulated by the Financial Services Authority. Registered in England 4399725. Registered office: Tri

More information

Contents 1 The purpose of a trust 2 The key people involved in a trust 3 Choosing which trust form to use 5 Deciding how to set up the trust 8 Your

Contents 1 The purpose of a trust 2 The key people involved in a trust 3 Choosing which trust form to use 5 Deciding how to set up the trust 8 Your Our guide to trusts Contents 1 The purpose of a trust 2 The key people involved in a trust 3 Choosing which trust form to use 5 Deciding how to set up the trust 8 Your questions answered 13 Appendix 1

More information

Protecting your Business and Family. An Introduction to our Services... 01405 860404 www.turquoiseassurance.co.uk

Protecting your Business and Family. An Introduction to our Services... 01405 860404 www.turquoiseassurance.co.uk Protecting your Business and Family An Introduction to our Services... 01405 860404 www.turquoiseassurance.co.uk Welcome Protection is all about insuring for the unexpected. It s a way of protecting individuals

More information

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan

Flexible Protection Plan. Protecting your lifestyle and family with one simple plan Flexible Protection Plan Protecting your lifestyle and family with one simple plan Contents Introduction Income Protection Life Protection Critical Illness Protection Protection with a heart Extra things

More information

INCOME PROTECTION THE BASICS WHAT IF?

INCOME PROTECTION THE BASICS WHAT IF? INCOME PROTECTION THE BASICS WHAT IF? If you couldn t work due to illness or injury, could you cope financially? We all hope we ll never find out, but the reality is nearly a third of us will have close

More information

Get the whole story about Critical Illness and how this could affect you

Get the whole story about Critical Illness and how this could affect you Get the whole story about Critical Illness and how this could affect you Aviva s Critical Illness claims report 2009 Aviva s 2009 critical illness claims report For most of us, the importance of having

More information

A FRESH APPROACH TO INCOME PROTECTION WITH 5-STAR COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE

A FRESH APPROACH TO INCOME PROTECTION WITH 5-STAR COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE A FRESH APPROACH TO INCOME PROTECTION WITH 5-STAR COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE WHAT SHOULD INCOME PROTECTION COVER OFFER YOU? If you are unable to work because of illness, injury or disability,

More information

A simple, affordable way to give peace of mind to the people who matter most

A simple, affordable way to give peace of mind to the people who matter most GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently

More information

Your guide to protecting yourself and your loved ones with Aviva

Your guide to protecting yourself and your loved ones with Aviva Your guide to protecting yourself and your loved ones with Aviva Protect what matters most What s the most precious thing in the world to you? There s really only one answer to that the people who are

More information

OUR PERSONAL MENU PLAN

OUR PERSONAL MENU PLAN KEY FACTS OF OUR PERSONAL MENU PLAN Important information you should read Protection Personal Menu WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4

More information

AIG Life. Care Cover with Whole of Life Insurance Customer guide

AIG Life. Care Cover with Whole of Life Insurance Customer guide AIG Life Care Cover with Whole of Life Insurance Customer guide It s estimated that one in three people will need some form of care before they die.* Imagine something happened to you that meant you then

More information

Preferential The health plan that provides comprehensive private medical insurance cover

Preferential The health plan that provides comprehensive private medical insurance cover Preferential The health plan that provides comprehensive private medical insurance cover HEALTH INSURANCE Preferential Private Health Cover Preferential provides your employees with extensive levels of

More information

Income protection. Paying you a monthly income if you can t work because of an accident or illness

Income protection. Paying you a monthly income if you can t work because of an accident or illness Income protection Paying you a monthly income if you can t work because of an accident or illness Income Protection How it works when you can t Income Protection is a type of insurance which helps replace

More information

Critical Illness Cover from Bright Grey.

Critical Illness Cover from Bright Grey. Critical Illness Cover from Bright Grey. It just got brighter. Now includes additional cover for 2 early forms of cancer. Protection. We make it personal The latest improvements to our critical illness

More information

For financial advisers only. An espresso guide to selling income protection

For financial advisers only. An espresso guide to selling income protection For financial advisers only An espresso guide to selling income protection Income protection: why it matters At LV= we believe everyone should be supported if they re ill and can t work, through quality

More information

Simple Guide to Life Insurance for Parents

Simple Guide to Life Insurance for Parents Simple Guide to Life Insurance for Parents INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges

More information

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance for you and your business 1 People are important in my business As a business owner you know what you need to make your business a success. Suitable premises, machinery and your computer systems may all

More information

PASSING ON YOUR PENSION. A guide to death benefits from income drawdown. Retirement Solutions

PASSING ON YOUR PENSION. A guide to death benefits from income drawdown. Retirement Solutions PASSING ON YOUR PENSION A guide to death benefits from income drawdown Retirement Solutions It s now easier than ever to pass any remaining money in your pension to the people you love when you die. New

More information

don t let drink sneak up on you how to catch it out and cut back

don t let drink sneak up on you how to catch it out and cut back don t let drink sneak up on you how to catch it out and cut back A couple of glasses at home. A few after work... Drink can sneak up on us After a long day, many of us like to unwind with a nice glass

More information

Personal Income Protection. support for the. unexpected. A Guide to Personal Income Protection

Personal Income Protection. support for the. unexpected. A Guide to Personal Income Protection Personal Income Protection support for the unexpected A Guide to Personal Income Protection Introducing ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal London we ve

More information

MORE CHOICE MORE FREEDOM

MORE CHOICE MORE FREEDOM LOOK FORWARD TO MORE CHOICE MORE FREEDOM A guide to Income Release Pension Portfolio royallondon.com WELCOME TO ROYAL LONDON We re a mutual organisation and, unlike a PLC, we don t have any shareholders

More information

Wesleyan provides help when you need it most

Wesleyan provides help when you need it most Wesleyan provides help when you need it most 02 Personal Income Protection Plan Relax, You re covered At Wesleyan, we ve been providing specialist financial advice and solutions to professionals for over

More information

Alcohol and stroke. How can drinking alcohol increase my risk of stroke? Stroke Helpline: 0303 3033 100 Website: stroke.org.uk

Alcohol and stroke. How can drinking alcohol increase my risk of stroke? Stroke Helpline: 0303 3033 100 Website: stroke.org.uk Stroke Helpline: 0303 3033 100 Website: stroke.org.uk Alcohol and stroke Regularly drinking large amounts of alcohol greatly increases your risk of stroke. This factsheet explains how alcohol can increase

More information

Simply Healthworks puts private medical insurance within your company s reach

Simply Healthworks puts private medical insurance within your company s reach Simply Healthworks puts private medical insurance within your company s reach HEALTH INSURANCE Simply Healthworks - making private medical insurance more accessible Simply Healthworks has been created

More information

Section 8» Incidence, Mortality, Survival and Prevalence

Section 8» Incidence, Mortality, Survival and Prevalence Section 8» Incidence, Mortality, Survival and Prevalence 8.1. Description of Statistics Reported This section focuses on the regional distribution of cancer with data derived from the BC Cancer Registry

More information

Data capture form for telephone application

Data capture form for telephone application PERSONAL MENU PLAN Data capture form for telephone application Information for advisers how to use our telephone application service To apply for a Royal London Personal Menu Plan, simply go to adviser.royallondon.com

More information

Lifetime Protection Plan from Standard Life Protecting you and your family

Lifetime Protection Plan from Standard Life Protecting you and your family Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for

More information

For advisers only A WORLD OF OPPORTUNITY. A guide to setting up a business protection plan. Protection Business Menu

For advisers only A WORLD OF OPPORTUNITY. A guide to setting up a business protection plan. Protection Business Menu A WORLD OF OPPORTUNITY A guide to setting up a business protection plan Protection Business Menu For advisers only WHAT S INSIDE We understand that organising business protection can seem complicated.

More information

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER

INNOVATIVE 5-STAR SERIOUS ILLNESS COVER INNOVATIVE 5-STAR SERIOUS ILLNESS COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE YOU RE UP TO TWICE 1 AS LIKELY TO GET A PAYOUT FROM OUR SERIOUS ILLNESS COVER THAN YOU ARE FROM A TYPICAL CRITICAL ILLNESS

More information

Are you worried about prostate cancer? 1

Are you worried about prostate cancer? 1 Are you worried about prostate cancer? 1 Are you worried about prostate cancer? This information is from the leaflet Are you worried about prostate cancer? You may find the full leaflet helpful. We can

More information

Scottish Widows UK Protection Report 2011

Scottish Widows UK Protection Report 2011 Scottish Widows UK Protection Report 2011 Introduction Welcome to the Scottish Widows Protection Report 2011. This is the third Scottish Widows Protection report we have produced, with previous reports

More information

Critical Illness. Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers. According to a Harvard University study

Critical Illness. Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers. According to a Harvard University study Critical Illness Learn How a Serious Illness Can Cost You Much More Than What Your Health Insurance Covers According to a Harvard University study [each year] more than 1.5 million American households

More information

Facing the challenges of CRITICAL ILLNESS

Facing the challenges of CRITICAL ILLNESS Facing the challenges of CRITICAL ILLNESS INTRODUCTION What is insurance? In life, we are all faced with threats which, if they occurred, would result in financial loss Insurance is the process of protecting

More information

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors

STAY ON TOP OF EVERYTHING. A Guide to Executive Income Protection for Key Employees/Owner Directors STAY ON TOP OF EVERYTHING A Guide to Executive Income Protection for Key Employees/Owner Directors Executive Income Protection for Key Employees/Owner Directors Introducing ROYAL LONDON Ever since we started

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime

More information

Deciding whether to become a parent

Deciding whether to become a parent Deciding whether to become a parent This information is an extract from the booklet, Relationships, sex and fertility for young people affected by cancer. You may find the full booklet helpful. We can

More information

Individual Income Protection. When you protect your income, you protect what matters most.

Individual Income Protection. When you protect your income, you protect what matters most. Individual Income Protection When you protect your income, you protect what matters most. What s your most valuable asset? You may think that your home, car, or investment account is the most valuable

More information

A Guide To Life Insurance and Protection

A Guide To Life Insurance and Protection A Guide To Life Insurance and Protection Independent Financial Advisers Independent Mortgage Advisers P N DALES LTD, are an Independent Financial Advisers, experts in protection & life insurance. We help

More information

Cancer in Wales. People living longer increases the number of new cancer cases

Cancer in Wales. People living longer increases the number of new cancer cases Welsh Cancer Intelligence and Surveillance Unit, Health Intelligence Division, Public Health Wales Iechyd Cyhoeddus Cymru Public Health Wales Am y fersiwn Gymraeg ewch i Cancer in Wales A summary report

More information

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more.

For customers. Friends Life Protect+ Income Protection Cover. Income Protection Cover. It s income protection. And more. For customers Friends Life Protect+ Income Protection Cover Income Protection Cover It s income protection. And more. It s income protection. And... 2 it addresses a vital need it provides a regular income

More information

Financials. Articles and agreements. Professional advisers

Financials. Articles and agreements. Professional advisers Financials Financials for the last 3 years Year Year Year Turnover Gross profit Net profit before tax Profit after tax Dividend No. of employees Value of the business Who calculated value? Year end date

More information

Income Protection Cover. A fresh approach to Income Protection with 5-star cover

Income Protection Cover. A fresh approach to Income Protection with 5-star cover Income Protection Cover A fresh approach to Income Protection with 5-star cover What should Income Protection offer you? If you are unable to work because of illness, injury or disability, we believe that

More information

Level, Renewable and Family Income Protection Key Features

Level, Renewable and Family Income Protection Key Features Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

Easy Read. How can we make sure everyone gets the right health care? How can we make NHS care better?

Easy Read. How can we make sure everyone gets the right health care? How can we make NHS care better? Easy Read How can we make NHS care better? How can we make sure everyone gets the right health care? What can we do to make the NHS good now and in the future? How can we afford to keep the NHS going?

More information

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY.

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY. 1 MORE THAN A MEMORY. Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make a difference to your

More information

Finding travel insurance cover

Finding travel insurance cover This information is an extract from the booklet Getting travel insurance. You may find the full booklet helpful. We can send you a free copy see page 11. Contents Finding travel insurance Contacting insurance

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

Self Assurance. Your simple guide to protection

Self Assurance. Your simple guide to protection Self Assurance Your simple guide to protection Your simple guide to protection Peace of mind for you and your family None of us really knows what the future has in store, but like millions of other people

More information

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance.

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance. Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work UK Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you fell

More information

Recovering From Heart Problems Through Cardiac Rehabilitation: Patient Guide The Keys to Heart Health

Recovering From Heart Problems Through Cardiac Rehabilitation: Patient Guide The Keys to Heart Health Recovering From Heart Problems Through Cardiac Rehabilitation: Patient Guide The Keys to Heart Health Exercise: Education: Counseling: Regular physical activity that is tailored to your abilities, needs,

More information

In safe hands. Business protection for sole traders

In safe hands. Business protection for sole traders In safe hands Business protection for sole traders How secure is your financial future? As a sole trader the success of your business depends on you your skills, your judgement, your drive. In turn you

More information

For customers Friends Life Individual Protection. Childcover benefit

For customers Friends Life Individual Protection. Childcover benefit For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,

More information

How to maintain your lifestyle in uncertain times.

How to maintain your lifestyle in uncertain times. How to maintain your lifestyle in uncertain times. A Guide to Income Protection Fills the gaps other insurance leaves behind 1 X Filling the gaps We all like to think we've got it covered if the unexpected

More information

Member Benefits. More than just mortgages, insurance, savings and investments. Find out how we can help you and your family...

Member Benefits. More than just mortgages, insurance, savings and investments. Find out how we can help you and your family... Member Benefits More than just mortgages, insurance, savings and investments Find out how we can help you and your family... It s a mutual thing At Police Mutual we work hard to understand exactly what

More information

Critical illness report 2005

Critical illness report 2005 Critical illness report 2005 1 Critical illness report 2005 Critical Illness cover pays out a lump sum if you are diagnosed within the term of the policy with a critical illness that meets the policy definition.

More information

This document contains important information about the Personal Protection Menu and you should read this along with your quote.

This document contains important information about the Personal Protection Menu and you should read this along with your quote. Key facts of the Personal Protection Menu (May 2012) This document contains important information about the Personal Protection Menu and you should read this along with your quote. This document doesn

More information

The real value of protection. Our life, critical illness and income protection claims

The real value of protection. Our life, critical illness and income protection claims The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it

More information

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life

More information

A guide to your retirement options

A guide to your retirement options A guide to your retirement options I have been looking forward to my retirement but now I am worried about making the right choice See your options page 4. Cathy has stood by me through the good times

More information

How insurance works How cancer can affect buying insurance Unfair discrimination

How insurance works How cancer can affect buying insurance Unfair discrimination This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 5. Contents What is

More information

Working harder to make your business better. Employee health cover from just. 33p. per day

Working harder to make your business better. Employee health cover from just. 33p. per day Working harder to make your business better. Employee health cover from just 33p per day Good news for Chamber members. Health cover at a price that really works for your business. Hello. And a warm welcome

More information

What is cancer? Teacher notes. Key stage 4/4 TH LEVEL Science lesson plan with links to PSHE

What is cancer? Teacher notes. Key stage 4/4 TH LEVEL Science lesson plan with links to PSHE What is cancer? Teacher notes Key stage 4/4 TH LEVEL Science lesson plan with links to PSHE Overview Subjects England: Science (with links to PSHE) Wales: Science (with links to PSE) Scotland: Sciences

More information

Income protection solutions

Income protection solutions For financial adviser use only Income protection solutions Tailored to your client and their budget What is income protection? Income Protection can be an everyday essential that works when your client

More information

Key Features of Term Assurance with Critical Illness

Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give

More information

Life and protection insurance explained!

Life and protection insurance explained! Life and protection insurance explained! Introduction Some things are certain in life, like the fact that one day, we ll die. Most of us would like to think that when that day comes we ll be old, our loved

More information

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS 1 LIFE INSURANCE FOR PARENTS MADE EASY As parents we know that we need to protect ourselves, our families and homes against

More information

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This

More information

the benefits of relevant life policies

the benefits of relevant life policies the benefits of relevant life policies Welcome to our guide to relevant life policies. This guide explains the benefits of taking out a stand-alone single life policy on the life of an employee, and gives

More information

A guide for customers

A guide for customers Pension Annuity A guide for customers Guaranteed income for life Pension Annuity If you re thinking... I want a secure income that is guaranteed to be paid for life, and I m not in the best of health.

More information