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Life And Critical Illness Insurance Good Health



I


n common with the rest of                                         
Europe, life expectancy in      Research into these findings,     
Britain is increasing. A        still at an early stage, has not  
man can now expect to live to         yet found the reasons for the     
76.2 years and a woman to 80.7        wide variations across the EU. It 
years. This is wonderful news,        seems that as far as              
but unfortunately we also learn       cardiovascular disease is         
that Britain is not keeping pace      concerned, there is an increasing 
with most of Europe in another        risk the further north you go and 
health aspect.                        Help the Aged feel that a lack of 
                                      respect for the cold in Britain   
Healthy life years, as well as        constitutes a risk to health.     
life expectancy have been the                                           
subject of a recent EU study and      Italy holds the top position in   
the results were based on             the healthy living stakes, with   
questionnaires which were             an expectation of 70.9 healthy    
completed by some 60,000              years and a life expectancy of    
householders. The focus of the        76.8 years. The healthy Italian   
study was on death, sickness          diet, including lots of fish,     
rates and overall health.             vegetables and unsaturated fats,  
                                      may be a key factor in their      
We learn that although the            country’s excellent health        
average British male can expect       record. A spokesman for Help the  
to live to 76.2 years of age, he      Aged comments that diet, smoking, 
can only expect 61.5 of these         the weather, smoking and health   
years to be free from a disabling     service could help to explain the 
condition. This puts us in the        differences                       
unfortunate position of being the                                       
fifth unhealthiest group in the       Interestingly, in a published     
EU.                                   table showing both healthy years  



and life expectancy, as far as        Critical illness insurance will   
healthy life goes, Italy tops the     pay out a specific sum if you’re  
table, followed by Spain,             unfortunate enough to be          
Germany, Poland, Netherlands, UK,     diagnosed with one of a list of   
France, Hungary, Portugal and         specified conditions, such as     
Finland. It will be interesting       cancer, stroke or heart trouble.  
to see what the final conclusions     Read the policy carefully to      
turn out to be.                       check which conditions are        
                                      covered. The effect of critical   
At the bottom of the scale - if       illness on your lifestyle can be  
you come from Finland, life           immense. You may have to adapt    
expectancy for a woman is 81.8        your car or your home and even    
years, but you can only expect        change your employment to suit    
56.5 of these to be without a         your new circumstances. Critical  
disabling condition.                  illness cover will give you peace 
                                      of mind should illness strike.    
Bearing all these facts in mind,                                        
it’s obvious that, for Mr and Mrs     As far as your family are         
Average, it would be as well to       concerned, it would be a good     
give some serious thought to the      time to take out, or review, your 
provision of both critical            life insurance plans. Would their 
illness cover and life insurance.     lifestyle be affected should the  
It’s a serious thought that the       worst happen?                     
expectation of a disabling health                                       
condition precedes retirement age     Both of these insurances can be   
by between three and half and         taken care of easily. The         
eight and a half years. Many men      internet is the place to go for   
now expect to be able to work         immediate attention and a range   
until they are 70.                    of competitive quotations.        
                                      Contact an on-line broker, who’ll 



offer you all the help you need.      tables wrong.                     
                                      

                              
Then sit back and prove the           




About the Author:

Get great articles on life assurance from life insurance professionals.


Read more articles by: Michael Challiner

Article Source: www.iSnare.com


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