Life Insurance Search

The equality bill soon to be brought in by the government should ensure that the health needs of older people are protected, it has been claimed.

In news which may interest those older people who have not yet bought life insurance, only 62 per cent of the care recommended for senior adults is actually received, according to bmj.com.

Gordon Lishman, director general of Age Concern, said: "The government must also make sure that age is included in the new NHS constitution, as until that has happened, the NHS will fail in its mission to put quality at the centre of everything it does."

Anyone worried about what the future may bring may wish to consider level term life insurance, which could bring financial security should a serious illness be diagnosed.

Meanwhile, bmj.com also found that 29 per cent of recommended care for those with osteoarthritis was provided, although this figure rose to 83 per cent for appropriate care given for those with ischaemic heart disease.

But in case a person's health should falter, level term life insurance may provide peace of mind in the form of a tax-free sum of cash to cover expenses, which could include paying off a mortgage.

Genetically modified (GM) purple tomatoes may extend the lifespan of mice with cancer, a study has found, which potentially could have consequences for people with the disease and who are worried about their future.

In news that may interest those deciding whether to invest in life insurance, the antioxidants in the fruit may prevent a number of diseases, including those affecting the cardiovascular system, Nature Biotechnology reports.

"The study confirms the latest research trends arguing that we can obtain significant beneficial effects by simple changes in our daily diet. We are not talking of pills or supplements but only food," says Cathie Martin, the project coordinator at FLORA who commissioned the research.

Such dietary changes may protect health, although a life insurance policy could financially shelter a family should someone be diagnosed with a serious illness.

Meanwhile Derek Burke, the former chair of the UK's regulatory committee on GM, hailed the findings as highlighting the positive results plants grown in this way can bring.

People concerned about cancer and other serious conditions may not only eat more healthily but invest in level term life insurance, which can be taken out on its own or jointly and is also known as Term Assurance.

People with the mildest of obstructive sleep apnea (OSA) may have an increased risk of cardiovascular diseases, a study has found, which could be concerning for those who suffer from this condition and are worried about the future of their health.

Increased arterial stiffness and impaired endothelial function are consequences of having the sleep condition, the American Journal of Respiratory and Critical Care Medicine will report in November, which may have consequences for those without life insurance.

Lead author of the study, Malcolm Kohler, said: "[I]t is now recognised that OSA triggers a cascade of biological reactions, including increased sympathetic activity, systemic inflammation, oxidative stress and metabolic alterations that are potentially harmful to the cardiovascular system."

According to Patient, the root cause of cardiovascular diseases is the build up of atheroma, a fatty deposit within the inside lining of arteries.

But people concerned about cardiovascular diseases may be wise to invest in level term life insurance, which may provide financial stability should they be diagnosed with a serious illness.

A new MRI technique could lead to cervical cancer being identified earlier, a report states, because the method provides better imaging of smaller tumours and may improve surgical options.

In news which may be of interest to those considering life insurance policies, scanning for water within tissue could lead to an improvement in accuracy of identifying such tumours, says study author Nandita deSouza, professor and co-director of a research group at the Institute of Cancer Research in London.

"Cervical cancers increasingly are being picked up at an earlier stage. This procedure causes no more discomfort than a Pap test and the diffusion-weighted imaging itself only takes 84 seconds," she adds.

According to Cervical Cancer Information, this type of cancer is the second most common worldwide, although regular smear tests could prevent the disease developing.

Women worried about the disease may want to consider level term life insurance, which could see the amount of money paid out remaining the same throughout the course of the policy, should the worst happen.

New research could dispel the myth that smelling a cigarette may lead to former smokers taking up the habit again, it is claimed, which could have consequences for those considering life insurance should a smoking-related disease be diagnosed.

People who find the smell of cigarettes pleasant are no more likely to reach for one than those who dislike the odour, Addiction reports.

Researchers led by Dr Hayden McRobbie and Professor Peter Hajek, of the Tobacco Dependence Research Unit at Barts, along with The London School of Medicine and Dentistry, found that out of more than 1,000 smokers studied, 23 per cent enjoyed the smell of other's smoke.

But this figure was not linked to withdrawal discomfort, leading Dr Hayden McRobbie to comment: "Recent quitters can be reassured that finding the smell of cigarette smoke pleasant is not likely to lead them back to smoking."

Smoking costs the NHS £2.7 billion a year, Action on Smoking and Health reported.

For people worried about being diagnosed with a serious illness, level term life insurance could be a wise policy to take out.

This type of insurance may be taken out by a person alone, or jointly.

A urine test could lead to early detection of prostate cancer, European Urology reports, which may have consequences for the type of life insurance cover men take out.

Early detection of the cancer currently comes from a digit rectal examination, the journal reports, but the prostate cancer gene 3 (PCA3) test is a new gene-based marker carried out with a urine sample.

This gene is dominant in over 95 per cent of malignant prostate tissue, information which may be of interest to men worried about the disease and wondering when life insurance cover should be bought.

Positive repeat biopsy rates in 463 men tested stand at 28 per cent, which increases with rising PCA3 scores, the journal claims.

Hormone therapy, surgery and chemotherapy are some of the ways which prostate cancer can be treated, the Prostate Cancer Charity states.

Men worried about the condition and the impact it may have on their family could consider level term life insurance, which is designed to provide financial security and may mean the amount of money paid out is not the same as the amount paid in - it could stay level.

Three-quarters of people believe that the credit crunch will damage their health, according to a report, although buying life insurance could avoid further financial instability in the future.

And four out of five people worry about stress-related illnesses such as depression, the survey by Bupa found.

Dr Paula Franklin, deputy medical director for Bupa UK Health Insurance, says: "As the country's financial health coughs and splutters, the reality is that so do we - our survey shows that more than a third of people are already feeling their stress levels increase."

Warning signs of stress may include sleepless nights, a loss of appetite and turning to alcohol to block out money worries, which could in itself lead to health problems down the line, a consequence which some may believe highlights the need to take out life insurance.

Those aged over 55 are more likely to be regular drinkers than their European counterparts, according to Alcohol Concern.

People worried about how the credit crunch may affect their future health, or worried about the consequences of alcohol, may want to consider level term life insurance, which is designed to provide financial security for a family should a serious medical condition be diagnosed.

The signs of heart disease are attributed to stress more frequently in women than in men, a study revealed, news which may interest those with a family history of the condition and considering which life insurance policy to take out.

Research was presented at the 20th annual Transcatheter Cardiovascular Therapeutics scientific symposium, sponsored by the Cardiovascular Research Foundation (CRF).

Findings revealed that symptoms presented to a doctor amid a stressful life event were identified as organic in origin in men and psychogenic in origin in women, the CRF stated, adding that this could be a factor contributing to the delay in heart disease assessment of women.

Shortness of breath and chest pain undergo a meaning shift if the woman is stressed, so are often ignored as coronary heart disease symptoms, Dr Gabrielle Chiaramonte who led the research stated, which could be important for women worried about the condition and wondering whether they should buy life insurance.

Cardiovascular diseases are the leading cause of death worldwide, according to the World Heart Federation.

Those worried about such findings may want to consider level term life insurance, which is a set amount of cash payable tax-free for the life of the plan.

Taking a daily dose of ginkgo after an induced stroke could reduce or even lower brain damage, a study suggests, which could be good news for people who have a history of strokes and considering life insurance.

In the study at Johns Hopkins on mice, scientists tested the animals for brain function and brain damage after they had suffered a stroke, the report published in Stroke says.

Results reveal that in the mice that took ginkgo, there was 50.9 per cent less neurological dysfunction and 48.2 per cent smaller areas of brain damage than untreated mice, the study says, a factor that people may want to take into consideration when comparing life insurance policies.

"Now we have a possible understanding for how ginkgo actually works to protect neurons from damage," says lead researcher Dr Sylvain Dore, an associate professor in the Department of Anesthesiology and Critical Care Medicine at Johns Hopkins.

Each year in the UK, 150,000 people are estimated to have a stroke, the Stroke Association says.

For those worried about what would happen to their family should the worst happen, level term life insurance could be a solution which may ensure mortgages, education and living costs are paid for.

People who have had a heart attack could reduce the amount of damage to the organ by taking a single intravenous dose of the hormone erythropoietin, the Journal of Nuclear Medicine reports, which could be promising news for those worried about the condition and considering life insurance.

In the study on rats, arteries were blocked to induce a heart attack and then cleared, before one group of animals were treated with an injection of EPO, while the other were given a shot of saline, the SNM, the home of the journal, reports.

The hearts were examined and the ones given the EPO injection had a 2.7-fold reduction in damage, it adds.

"More translational research is needed to evaluate cell death pathways and their significance for imaging in the diagnosis or monitoring of disease," president of scientific and medical association SNM Dr Robert Atcher says.

According to NHS Direct, around six in 1,000 men aged between 30 and 69 have a heart attack each year, which drops to two in 1,000 for women.

People worried about heart attacks could look into level term life insurance which could provide a tax free sum of cash for a fixed term.

One dose of a chemotherapy drug called carboplatin may be all that is needed to cure testicular cancer, a study has revealed, which may be of interest to men worried about the medical condition and considering life insurance.

Chemotherapy results in a similar relapse rate as radiotherapy - a treatment already offered - however the drug has fewer side effects, a study by the Medical Research Council found.

A single injection of carboplatin was given to 573 patients with early-stage seminoma, who were compared to 904 men given the standard treatment of two or three weeks of daily radiotherapy.

In a fifth of cases of men with the disease, the other testicle develops cancer, a risk that was reduced for patients treated with carboplatin, the study says, adding that out of the patients treated with the chemotherapy drug, five per cent relapsed within three years, although none of the men died following further treatment.

Around 2,000 men are diagnosed with testicular cancer in the UK each year, says Macmillan.

Men worried about the disease may want to consider level term life insurance, which is a set amount of cash payable tax-free for the life of the insurance plan.