Critical Articles

1). Critical Illness Insurance The Non-Disclosure Problem By : Michael Challiner
If you're in the unfortunate position of having to make a claim on your critical illness insurance policy, the last thing you want is insensitive hassle or apparent non co-operation from your insurer. But according to numerous newspaper articles, that's precisely what's happening. The core problem is that before they'll pay out, the insurer will always want to make exhaustive enquiries about your past health record.
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2). Applying Lean Six Sigma To Service By : Peter Peterka
Applying Lean Six Sigma To Service
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3). Health Insurance – Not As Straightforward As It Would Seem By : Michael Challiner
Most of the seven million people covered by health insurance in the UK have a policy provided by their company. As such it is a useful benefit, but many of us assume that it will cover any kind of health issue and this is definitely not the case. The insurers exclude a wide variety of possible claims, and this article will explain those in detail. Health.
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4). Life and Critical Illness Insurance - Good health? By : Michael Challiner
In common with the rest of Europe, life expectancy in Britain is increasing. A man can now expect to live to 76.2 years and a woman to 80.7 years. This is wonderful news, but unfortunately we also learn that Britain is not keeping pace with most of Europe in another health aspect. Healthy life years, as well as life expectancy have been the subject of a recent EU study and the results were based on questionnaires which were completed by some 60,000 householders.
Article Related to: life, term, critical, illness, insurance

5). Key To Success: 10 Success Tips For Maximum Achievement By : Sharif Khan
First off, I would echo the voice of 18th century French philosopher Voltaire, made popular and relevant in today’s leadership lexicon by "Good to Great" author Jim Collins, who said, "Good is the Enemy of Great." 1. "Good is the Enemy of Great." Get rid of the good to make room for the great in your life. Instead of keeping the main thing the main thing, we major in too many minor things.
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6). Critical Illness Insurance – The Press Are Giving Insurers A Hard Time. By : Michael Challiner
Recent stories in the press have again lambasted the insurers over critical illness insurance. The core problem is that a critical illness claim is not as straightforward as, for example, a claim under life insurance. With life insurance it's going to be hard for the insurance company to argue that you're not dead! By their very nature, critical illness claims are much more complicated.
Article Related to: critical, illness, insurance, insurers

7). Life Insurance And Critical Illness Insurance. Cancer Tests To Increase Women's Premiums By : Michael Challiner
Ladies, if your mother or any other female blood-line relatives have a history of breast or ovarian cancer then from next year onwards, you could face higher insurance premiums. You could even be refused cover altogether. When these women apply for life and critical illness cover, the insurance industry wants to ask them whether they have been tested for the gene mutations BRCA1 or BRCA2.
Article Related to: life, insurance, critical, illness, cancer

8). Group Critical Illness Insurance - The Cheaper Alternative To Keyman Insurance. By : Michael Challiner
If you manage a small business you'll dread the possibility of a member of your team being be taken seriously ill or dieing. Apart from the personal upset, your business would be hit hard. Sales or production could take a dive, key skills could be lost and the general pace of the business could fall. All this costs the business money. Insurance is available to offset those financial risks, risks that can be especially serious for smaller businesses.
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9). Life Insurance - Top Tips for buying online By : Michael Challiner
More and more people in the UK are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product. Despite the underlying simplicity of life insurance, most web sites channel their online clients through a telephone based help and advice service manned by experienced personnel.
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10). Critical Illness Insurance. Concerns For Cautious Customers By : Michael Challiner
The Financial Services Authority has recently carried out a review of the way in which information and advice is given to retail customers purchasing financial products. One of the products which they considered was the sale of Critical Illness Cover. Critical Illness Cover is often taken out by people taking out a mortgage, usually as part of a term assurance policy.
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11). Critical illness cover – a wider scope By : Michael Challiner
Critical illness insurance offers cover for certain specified conditions such as cancer, heart problems, kidney failure, loss of limbs, etc., The cover is quite simple and straightforward, in that if you are diagnosed with one of the severe illnesses listed in your policy a payment is made. On average 35 conditions would be considered as falling into this category with most companies.
Article Related to: life, critical, illness, term, insurance

12). Critical Illness Insurance. How critical can you get? By : Michael Challiner
There’s a new critical illness policy on the market which attempts to go some way with regard to sorting out the perplexity regarding exactly what is, and is not, covered when it comes to claiming on the policy. Traditional critical illness policies tend to cover up to 35 listed medical conditions. Policyholders could become seriously ill with a condition.
Article Related to: life, insurance, critical, illness, cover

13). Critical Illness Insurance. Are Your Children Insured? By : Michael Challiner
Cover for your children is the most undervalued aspect of critical illness insurance. But as most policies automatically provide the cover as a free extra, we suspect that some policyholders don't even know they've got it! Most policies automatically insure your children albeit at a lower level of benefits than the main policyholders cover. But this cover is invaluable, especially if your child becomes critically ill and you need to take time off work to provide care.
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14). Critical Illness Insurance - of critical importance By : Michael Challiner
Twenty per cent of critical illness claims are turned down. That means for every five people making this important claim, one will have it rejected at this crucially important time. The whole reason behind taking out critical illness cover is that, in the event of you becoming critically ill (that is being diagnosed with one of the listed illnesses described in your policy documents) a payment will be made.
Article Related to: life, assurance, critical, illness, insurance

15). Tell The Truth With Life And Critical Illness Insurance By : Michael Challiner
Insurers treat the non-disclosure of information on an application form very seriously indeed, and it is the most common cause for the rejection of a life or critical illness insurance claim. This true story explains that the situation isn’t always black and white, and demonstrates the severity of the penalty. We have changed some details to protect the anonymity of the policyholder.
Article Related to: life, insurance, critical, illness

16). Critical Illness Insurance. Critically Important – Time To Take Cover By : Michael Challiner
Back in 1999, the Imperial Cancer Research Fund stated that one in every three people in Britain will be diagnosed with cancer at some point in their life. With rapid medical advances the chances of survival from a major illness are improving but the consequences of suffering such an illness continue to be substantial and life-changing. Critical illness insurance policies are designed to help you cope with the changes which will be necessary should you be diagnosed with a “qualifying medical condition”.
Article Related to: critical, illness, insurance

17). Watchdog wary over Critical Illness Insurance. By : Michael Challiner
You have taken out a critical illness insurance policy so that if you ever are in the unfortunate situation of developing a life threatening condition, you will be compensated. But what if you wind up with a critical illness that is not guarded against on the insurance policy? What many people do not realise, and what can be of real concern, is that you may find that after you have purchased critical illness insurance you are only covered for up to 35 listed medical conditions.
Article Related to: life, insurance, critical, illness

18). Big Changes On The Horizon For Critical Illness Insurance. By : Michael Challiner
In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market. It's not that critical illness insurance is a bad idea. After all it pays out a lump sum if the policyholder is diagnosed with one of the many critical illnesses listed on the policy and the policyholder survives at least 28 days from diagnosis.
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19). Critical Illness Insurance – Another Scam? By : Joseph Kenny
Unless you have substantial savings, even in the UK, contacting a serious illness, such as cancer, can be a very costly affair. Above all, not only do you need to consider how contracting such a critical illness will affect your savings in any medical care bills, but you also need to consider that you may well not be able to earn any income to cover you day-to-day expenditure.
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20). Tell The Insurers Everything When You Apply For Life And Critical Illness Insurance. By : Michael Challiner
The failure to disclose information, especially medical information, is the most common reason why an insurer will reject a claim on a life or critical illness policy. To help underline some issues, we want to tell you a true story - but we've concealed the policyholders' name and a few other aspects to preserve anonymity. Mrs A was fighting a secondary infection following surgery to remove cancerous lymph nodes in her groin when she received further bad news.
Article Related to: life, insurance, critical, illness, insurance

21). Critical Illness Insurance Do you really need it? Or is it a waste of time? By : Michael Challiner
GREAT NEWS! There's now a one in five chance of you winning the lottery before you retire. Getting excited? Think it's just a matter of time before you win? Think again, it's not going to happen - but it got you thinking! Now think of the same odds but this time about bad news. There is a 1 in 5 chance for men and a 1 in 6 chance for women that a long-term critical illness will prevent them from working.
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22). Critical Illness Insurance Buying Online. By : Michael Challiner
You can buy pretty much everything over the Internet these days and this most certainly applies to insurance. But the process of buying something over the telephone or Internet means that you do not have the benefit of having a person in front of you to explain something in depth if you do not understand. Another thing is that as a growing number of.
Article Related to: life, insurance, critical, illness

23). Have We Lost the Faith In Life Insurance? By : Shaun Parker
Where has the good faith gone? This article looks into the rising incidences of dishonesty in the life insurance industry.
Article Related to: life, insurance, policy, critical, illness, claim

24). Critical Illness Cover - Not The Breast For Cancer Sufferers By : Shaun Parker
Be wary of what is included in your critical illness cover. A critique of insurance policies that do not pay out in the event of certain pre-cancers.
Article Related to: life, insurance, policy, critical, illness, cancer, breast