Life Insurance Search

The pensions pot is under financial strain and therefore people may be wise to back it up with some savings, it has been suggested.

Many Britons are living frugally in order to ensure that they have the cash to cover their retirement lifestyle, claims manager for savings at Alliance & Leicester Hetal Parmar.

As such, individuals could be wise to put money aside to pay for life insurance, as well as to cover the costs of any adventures they may be planning.

"We all look for a comfortable lifestyle in retirement and whether it is paying for a holiday, updating the car or covering the costs of healthcare or whatever it is," he says.

Furthermore, he adds that saving money now ensures financial security for years to come.

Research by the bank found that 68 per cent of people believe that they have yet to reach the point of having the money needed to live on when they retire.

Indeed, it may be wise for individuals to start saving in order to pay the costs of a level term life insurance policy, which could financially protect a partner until they reach retirement.

Screening techniques need to be improved in order to tackling the problem of the UK's 'secret drinking society'.

Furthermore, people have to be made more aware of the safe alcohol intake levels.

These are the claims of Alcohol Concern, which individuals worried about the impact their lifestyle has on their health may be interested to learn about.

"National figures suggest that as many as ten million Britons drink hazardously and one million are dependent on alcohol, but these estimates may be too conservative," states Don Shenker, chief executive of Alcohol Concern.

In addition, GPs and nurses should receive further training on how to spot patients with a drinking problem, he continues, although a life insurance policy may financially protect family members should a drinking-related illness be diagnosed.

According to YouGov research, on behalf of the government's Know Your Limits campaign, 39 per cent of people who drink at higher-risk levels say that they lie to their doctor about the extent of their alcohol intake.

Individuals who feel that they drink more than they should may be wise to take out level term life insurance, which could provide a tax-free cash pot should a household's income be reduced in the event of an illness.

People who smoke may find themselves in the money by kicking the habit this Christmas, it has been claimed.

According to health group Bupa, individuals can save up to £170 a month by stubbing out their cigarette addiction, although a life insurance policy could also see households with a stable financial platform should a family member be diagnosed with a smoking-related illness.

Indeed, Dr Annabel Bentley, associate medical director at Bupa UK Health Insurance, says that quitting the habit is the best thing people can do to improve their wellbeing.

"Within ten years of stopping, your chances of having a heart attack have fallen to the same as someone who's never smoked," she claims.

Furthermore, she adds that the risk of cancer and strokes is also decreased when individuals kick the habit, while it could be said that the money saved could contribute to a life insurance policy in case damage has already been done.

According to Patient, around 180,000 people in the UK are admitted to hospital each year with suspected heart attacks.

Individuals worried about the consequences of their smoking habit may be wise to take out level term life insurance, which could ensure that a partner is financially looked after until they retire.

Households may want to push boiler maintenance to the top of their to-do list after it has been claimed that irregular heating system services can lead to health consequences.

A survey by uSwitch.com found that 42 per cent of people do not get their boiler serviced once a year, putting themselves at risk of carbon monoxide poisoning, although a life insurance policy could secure a tax-free sum of cash should a serious illness be diagnosed.

Furthermore, a Council of Registered Gas Installers report noted that between April 2007 and March 2008, there were 21 deaths and 125 injuries caused by carbon monoxide poisoning.

Commenting on the findings, Ann Robinson, director of Consumer Policy at uSwitch.com, urges people "please don't take a chance on your family's safety - make sure you get into the habit of having an annual gas safety check so that your boiler is given a clean bill of health".

According to the Carbon Monoxide Consumer Awareness Alliance, warning signs of the killer gas include flu-like symptoms such as tiredness, headaches and nausea.

Paying for a life cover policy such as level term life insurance could ensure that children are financially provided for until they reach the age of eighteen should the worst happen.

Findings of a new study could have consequences for life insurance, after it has been claimed that Britons are surviving with no money in the days leading up to their next wage cheque.

According to high-street bank Abbey, 75 per cent of people spend their income on essentials such as mortgage and rent, although a life insurance policy could be argued to be just as important.

In addition, the average time individuals are left with empty current accounts until next pay day is five days, the research discovered.

Steve Shore, director of banking at Abbey, says: "With disposable income down and Christmas almost upon us, planning your finances carefully has never been more important."

And such organisational skills may involve researching life insurance policies, after Bupa found that a fifth of women are losing sleep over health concerns.

But peace of mind could be brought in the form of level term life insurance, which may ensure children are financially protected until they reach the age of 18.

Long-term health problems could come from people being unable to properly cope with events such as losing a job and trying to pay off a mortgage, it has been claimed.

Such stress-related illnesses may lead some workers to consider life insurance to ensure that their families are financially protected should a medical condition become more serious.

According to Tom Stewart, joint managing director of System Concepts, humans' fight or flight reaction to stress results in blood pressure not quite returning to normal, which could lead to long-term health effects.

"Work pressure is just one amongst many pressures, others include family pressures, but it is one pressure that we have relatively little control over," he claims, although a household's monetary burden could be relieved by a life insurance policy should the worst happen.

A study by Maven Research discovered that one in seven workers are seeking professional help to try to combat stress, through medication, counseling or psychotherapy.

However, the worry of how to cover everyday expenditures should a person be unable to work through an illness could be reduced by the security a life cover policy could bring, such as level term life insurance.

People need to be regularly checking their financial situation during the current economic climate to ensure they are protected should something unexpected happen, it has been advised, although a life insurance policy could bring some peace of mind.

Income protection and other insurances are regarded as expensive by individuals, but rates have been coming down over the last few months, a spokesperson for LV= claims.

Commenting on how the credit crunch could affect Britons, she says: "People don't realise what strain it would put them under if they could not meet their regular commitments [from a] lack of income and how much it would affect them."

Such financial strain could be avoided if a life insurance policy was invested in, which may provide a tax-free sum of cash to take some of the burden off a household should a serious illness be diagnosed.

A survey by LV= found that 34 per cent of full-time employees admit that they are not prepared to take out insurance should they have to quit a job because of a health problem.

However, level term life insurance could help in such an event, while the cash pot provided may cover expenses such as mortgages and children's education fees.

A UK health organisation has spoken out about claims that people who smoke should not become foster parents.

Commenting on the news that foster carers with the habit living in the remit of Redbridge council can now longer take children in, Amanda Sandford, research manager for Action on Smoking and Health (ASH), says: "We know that most smokers want to stop smoking and sometimes with a very good incentive they can do that."

Such an incentive may be the risk of diseases such as cancer and heart conditions, which may persuade people who smoke to take out a life insurance policy should they develop a serious condition.

More should be done to educate people about passive smoking but potentially good foster parents may be put off helping youngsters because of the council's policy, Ms Sandford continues.

A report by ASH found that around ten million adults in Great Britain smoke cigarettes, with those aged between 20 and 24-years-old giving into the habit more than any other age group.

No matter what a person's age, a life insurance policy such as level term life insurance could mean that if a smoking-related illness is diagnosed, loved ones may be financially protected with a tax-free sum of cash.

While the American Heart Association has called for national screenings for depression - because of a suspected link between the mental health condition and heart attacks - one cardiologist says that the tie is not yet strong enough.

In news which may be of interest to those in the UK considering the necessity of life insurance, cardiologist at John Hopkins Medical Institutions Roy Ziegelstein states that there is no scientific evidence that depressed heart patients live longer if they are previously screened for depression and treated.

"Understandably, then, we cannot in good conscience support screening all heart patients. This is a difficult call for us to make, but it is in the best interests of patients at this time," he says in a report.

According to the Depression Alliance, symptoms of the mental health condition include, but are not limited to, loss of self-confidence, tiredness, persistent sadness and loss of appetite.

But for anyone who is concerned about heart attacks, level term life insurance may be taken out alone or jointly and could cover living costs including mortgages and children's education.

The trick of balancing work and family life for mothers in careers is down to a healthy immune system, it has been claimed, while stressed-out mums may want to consider life insurance should they have to quit their job.

Participating in a relaxing activity such as yoga, as well as eating healthily, could be one way to make sure mums keep on going, advises Dr Serene Foster, an immunologist and registered medical herbalist speaking on behalf of Sambucol.

Commenting on the busy life a mother leads, Dr Foster says "she has got to make sure her children get to school, that they are up and fed and that there is food for them when they get home".

Such responsibilities could lead to poor health which therefore may highlight the need for people with children to invest in a life insurance policy to financially protect their offspring's future.

Research by Sambucol found that mothers admit to putting their own health at the bottom of their list of priorities.

However, women who want to take action to change that may want to consider a level term life insurance policy, which could provide a tax-free sum of cash to cover costs including their children's education.

The number of people dying from a diabetes-related illness could be halved by applying the techniques used in cardiovascular risk reduction, it has been noted, which could be interesting information for individuals considering life insurance policies.

Researchers at Edinburgh's Royal Infirmary have reported that preventative medicines, combined with a heart monitoring system, could save the lives of thousands of patients with a diabetic foot ulcer.

Speaking about the news, Dr Matthew Young, consultant physician at the hospital, said: "These improvements have halved this death rate to under a quarter of foot ulcer patients dying within five years of their ulcer."

Furthermore, when greater attention was given to lipid management, blood pressure and glycaemic control, there was a significant improvement in sufferers, he added.

According to Patient, one in ten people with diabetes will develop a foot ulcer, which could be worrying for those without a life insurance policy.

However, peace of mind in the form of level term life insurance may reduce the concerns of patients worried about the financial consequences should the worst happen.

The risk of women developing breast cancer is increased by regularly drinking alcohol, it has been claimed.

Women with a history of the disease and without life insurance may be interested to discover that according to the Breast Cancer Campaign, consumption of alcohol should be reduced.

Furthermore, Pamela Goldberg, the chief executive of the Breast Cancer Campaign, says: "As well as regular exercise, a balanced diet rich in fruit and vegetables, high in fibre and including oily fish, will help to maintain a healthy body weight and general good health."

And to bring further peace of mind, women may want to research level term life insurance policies, which may ensure that a mother's family is protected should she be diagnosed with the disease.

Cancer Research UK reports that eight in ten breast cancers are diagnosed in females over the age of 50.

But for women of all ages, level term life insurance could be a wise policy to invest in, as the tax-free sum of cash which may be provided could cover costs including a mortgage and education fees.

There are still racial differences in cancer death rates which could well be down to screening and treatment, it has been reported, news which may highlight the importance of life insurance should an illness be diagnosed.

In the US, African-Americans have the biggest risk of being diagnosed and dying from the disease, the American Cancer Society reports, although the gap between the black and white death rate has reduced since the early 1990s.

Cancers relating to smoking are one of the biggest factors in this reduction, the study uncovered, which could mean that people with the habit may want to invest in a level term life insurance policy.

"The goal of eliminating racial disparities in cancer mortality cannot be achieved without coordinated and sustained efforts to provide high quality prevention, screening and treatment to all segments of the population," the authors of the study noted.

Furthermore, the Independent previously reported that smoking kills 227 people in England a day, which could concern those without life insurance.

However, level term life insurance may provide a tax-free sum of cash to bring peace of mind should the worst happen.

Women are not taking their breast cancer drugs properly and are therefore risking their lives, research has revealed, which may be important news for those patients with or without life insurance.

Ten per cent of women admit to have stopped taking the drug, tamoxifen, after one year, while half of those on the drug did not finish the five-year course, the British Journal of Cancer has found.

Commenting on the findings to the BBC, lead researcher Professor Alastair Thompson says: "Doctors and nurses should encourage patients to keep taking their prescribed medications, ensure side effects are managed as best as possible and thus get the maximum benefit from the medication."

And in a further comment which may convince sufferers to consider life insurance, Professor Thompson states: "This study paints a worrying picture."

The Herald reports that 4,000 women a year are diagnosed with breast cancer in Scotland, while the most common reason patients stop taking tamoxifen is because of the side effects.

However, women with the disease may want to get a level term life insurance policy, which can be taken out alone or jointly and may provide a tax-free sum of cash to ease money worries.

People with high blood pressure or diabetes who also have Alzheimer's disease may die sooner than their counterparts who do not have such extra health problems, a study has revealed.

According to Neurology, people with diabetes were twice as likely to die sooner than those who suffered from Alzheimer's alone, which may have an impact upon those people without life insurance.

"Studies show that the average lifespan of a person diagnosed with Alzheimer's can be anywhere from three to nine years. For that person and their caregiver, every minute counts," said study author Dr Yaakov Stern, professor at the Taub Institute for Research on Alzheimer's Disease and the Ageing Brain.

Furthermore, Hispanic people lived up to four years longer than non-Hispanic white people, after being diagnosed with the disease.

According to the Alzheimer's Society, there are over 100 types of dementia, which may reiterate the importance of a life insurance policy such as level term life insurance.

This type may provide a tax-free sum of cash to cover the family expenditure that may come about from a member being diagnosed with the condition.

A "scaffold" developed by researchers could aid the recovery of tissue damaged by a heart attack, it has been claimed, which could be positive news for those worried about such an illness.

The Massachusetts Institute of Technology (MIT) claims that a patch of cardiac tissue could also be developed, which will treat congenital heart defects, Nature Materials reports.

Once new tissue is developed, the scaffold - designed to work like natural heart tissue - would be absorbed into the body, which could be interesting information for those researching life insurance.

"In the long term we'd like to have a whole library of scaffolds for different tissues in need of repair," says Lisa Freed, a principal research scientist in the Harvard-MIT Division of Health Sciences and Technology and the corresponding author of the paper.

According to HeartPoint, congenital heart diseases affect people from birth and are found in le