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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. The focus of the study was on death, sickness rates and overall health.

We learn that although the average British male can expect to live to 76.2 years of age, he can only expect 61.5 of these years to be free from a disabling condition. This puts us in the unfortunate position of being the fifth unhealthiest group in the EU.

Research into these findings, still at an early stage, has not yet found the reasons for the wide variations across the EU. It seems that as far as cardiovascular disease is concerned, there is an increasing risk the further north you go and Help the Aged feel that a lack of respect for the cold in Britain constitutes a risk to health.

Italy holds the top position in the healthy living stakes, with an expectation of 70.9 healthy years and a life expectancy of 76.8 years. The healthy Italian diet, including lots of fish, vegetables and unsaturated fats, may be a key factor in their country’s excellent health record. A spokesman for Help the Aged comments that diet, smoking, the weather, smoking and health service could help to explain the differences

Interestingly, in a published table showing both healthy years and life expectancy, as far as healthy life goes, Italy tops the table, followed by Spain, Germany, Poland, Netherlands, UK, France, Hungary, Portugal and Finland. It will be interesting to see what the final conclusions turn out to be.

At the bottom of the scale - if you come from Finland, life expectancy for a woman is 81.8 years, but you can only expect 56.5 of these to be without a disabling condition.

Bearing all these facts in mind, it’s obvious that, for Mr and Mrs Average, it would be as well to give some serious thought to the provision of both critical illness cover and life insurance. It’s a serious thought that the expectation of a disabling health condition precedes retirement age by between three and half and eight and a half years. Many men now expect to be able to work until they are 70.

Critical illness insurance will pay out a specific sum if you’re unfortunate enough to be diagnosed with one of a list of specified conditions, such as cancer, stroke or heart trouble. Read the policy carefully to check which conditions are covered. The effect of critical illness on your lifestyle can be immense. You may have to adapt your car or your home and even change your employment to suit your new circumstances. Critical illness cover will give you peace of mind should illness strike.

As far as your family are concerned, it would be a good time to take out, or review, your life insurance plans. Would their lifestyle be affected should the worst happen?

Both of these insurances can be taken care of easily. The internet is the place to go for immediate attention and a range of competitive quotations. Contact an on-line broker, who’ll offer you all the help you need.

Then sit back and prove the tables wrong.

Life insurance professionals great articles based around life assurance.

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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. And this is the deal with most insurance policies. So if you develop a life threatening illness not named in your policy you could be faced with the disastrous situation where you get no pay out from your insurance company at all.

On the other hand, it could be that you have an easily treatable sickness and because it is ranked with what the insurance industry calls a “lower grading”, you end up getting a full payout.

The Financial Services Authority and the Association of British Insurers are wary about whether insurance companies actually make these differences clear.
Jonathan French, a spokesman at the Association of British Insurers, says it is important that customers have an insurance policy fully explained to them before it gets purchased. “The situation we would not want to see occurring is for them to be buying a product thinking that it does something it doesn’t do.”

And for this reason, the ABI recently updated its codes of best practice for critical illness insurance. French says until recently, 35 conditions was the maximum number any company covered for critical illness insurance.

“What we set out are essentially the minimum standards companies have to apply to their policy. The guidance we have published improves the way the critical illnesses are defined. It makes it clear to consumers what levels of illness are covered and what aren’t.”

The cost of critical insurance varies. For someone in their late 30s for a 35-year term with a payout of

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There are two different types of life insurance, term life insurance and permanent life insurance. Term life insurance is the easier of the two plans. This plan supplies you with death protection for a pre-determined amount of time, anywhere from one to 30 years. If you happen to die while paying on this type of policy your beneficiary will be paid the amount of money you specified when purchasing the policy. If at the end of the term you are still living your death protection coverage will cease unless of course you renew the policy. You can purchase this policy on a minimum budget and it is particularly perfect for providing coverage while your children are still in the home or while paying off a mortgage or other large loans.

This plan is merely a “quick fix.” It is similar to leasing a vehicle. You pay a lower cost for the privilege of driving the car knowing you will return it after a short period of time. However, just like when leasing a vehicle there is an option to buy. If you are purchasing term life insurance because you need protection now but can’t afford the higher payments of permanent protection in most cases you can switch your plan over to permanent protection when your situation changes (be sure to verify this before purchasing any policy). You can also look at term life insurance as an efficient means of protecting your family while using your remaining finances for savings or other investments.

Although this type of coverage is less expensive than permanent life insurance your premiums will increase at renewal periods as you grow older. Normally at renewal periods you will also be required to obtain a physical in order to qualify for the lowest rates.

There are four different types of term life insurance policies one of which is renewable term insurance. This policy will delete your need to submit to a physical when renewing your policy. The company agrees to renew your policy even if your health has declined however, be prepared to pay higher premiums with each renewal when purchasing this plan.

Convertible term insurance will allow you to switch from term to permanent life insurance without succumbing to a health exam first. Of course this convenience will more often than not come with the expense of higher premiums. On the bright side once you convert to permanent your premiums will not increase as with the renewal of the term plan.

Level term insurance presents a permanent premium for a pre-determined number of years, usually 10 or 20, and the death benefit remains the same. With this policy you will lock in a particular price for the duration of the policy. The down side to this plan is that the rate will rise significantly if you decide to renew with subsequent level policies.

The remaining plan is the decreasing term insurance policy. Throughout the term of this policy the death benefit will decrease. You may start out with $250,000 worth of coverage however for the first 10 years each year your benefit will be reduced by $10,000. The premiums on this policy will also vary over the term of the policy, it is for these reasons that this policy is not highly recommended nor sold very often.

Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website.

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