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Mike Armstrong's Articles in Insurance

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  • Some Explanations About Critical Illness Insurance
    Critical illness insurance can be bought in order to obtain protection against certain severe illnesses such as cancer, stroke or heart attack. However, critical illness insurance offers cover for many other types of illnesses. Initially, critical illness insurance covered a maximum of 7 diseases.
  • Some Details About Critical Illness Insurance
    If you have not saved enough money and unfortunately contract a serious illness, it can be really expensive to get yourself treated. Before such a situation crops, not only you have to take into account how much it would cost for your treatment but also how you would do to get your household running in case you are unable to attend work.
  • Critical Illness Cover-See To It That Your Claims Are Not Turned Down
    To obtain full benefit from critical illness cover, reading your policy documents attentively can be vital. Critical illness claims may be becoming less frequent these days. But still, people find their claims being turned down. Non disclosure is one common factor that leads to a critical illness cover being turned down
  • Discover The Various Aspects Of Having a Critical Illness Policy
    Having a critical illness policy is not just a measure of precaution for the future. It can also be considered as a means to save you money. The idea of having a critical illness policy is fine. But it can be rather tricky when choosing a critical illness policy. You could even end up having different quotes and contracts in hand that it becomes a headache to unlock your best deal. There are a lot of companies which offer many different versions of critical illness policy.
  • How To Obtain A Successful Payout With Critical Illness Cover?
    Critical illness cover is considered as a rather complex form of insurance. Critical illness cover has many underlying stipulations. Obtaining a successful claim under critical illness cover may not be as easy and direct as life or car insurance. With life insurance, the insurer simply has to confirm your death.
  • Mortgage Critical Illness Insurance- A Good Investment Or Not?
    First of all if you are worried about the safety of the family or want to set everything right for the future, you are probably wondering about taking a mortgage critical illness insurance. Fine idea as it is, to get the best mortgage critical illness insurance you must have to somehow get busy. In an initial step you have list the insurance companies you have to visit or phone. Once done, you now have a list of all life insurance companies which offer mortgage critical illness insurance.
  • Serious Illness Insurance- It Can Provide Invaluable Benefits
    Critical illness insurance made its first apparition in South Africa in 1983 and was known as dread disease insurance or serious illness insurance. Before 1983, policies having the name cancer policy may have been sold in the USA providing cover for certain types of cancer. These cancer policies may be considered as the foundation of serious illness insurance. Gradually, serious illness insurance went worldwide and nowadays plays an important role in markets such as UK, Canada, East Asia, Israel, etc.
  • Term Critical Illness Insurance- Giving You Life For A Second Time
    Every year, around 700,000 people may be affected by a critical illness such as stroke. On the other hand, heart attack may make approximately 340,000 victims while around 1 million may be diagnosed by a critical illness like cancer. If you have term critical illness cover, then you may have enough financial backing to pay for your treatment.
  • The Goods Of Having A Critical Illness Cover
    Arguably, the biggest wealth that someone can have is staying in good health. Sound health conditions open up chances to achieve many things in life. But you should realise the fact that anyone may contract a critical illness at any time in his lifetime. In fact, one out of three men and one out of five women can suffer from a critical illness before reaching retirement age. In this case, having a critical illness cover can be invaluable.
  • Is Critical Illness Cover More Important Than We Realise?
    There are several insurance products that exist and may provide cover for different things. For example, car insurance to protect your vehicle in case of an accident. Likewise, critical illness cover may provide coverage for certain critical illness conditions already defined by your policy. A tax free lump sum may be awarded to should make a critical illness claim for a specified illness.
  • Mortality Rates Concerning Critical Illness Conditions
    A critical illness may cause death but may as well make a person become invalid. As such, mortality rates may vary according to age and sex. Mortality rates due to injury and poisoning may have been higher among people aged 15 to 29 in the year 2002. More precisely the data could be displayed as follows: around 41 over a population of 100,000 men as compared to 10 over a population of 100,000 women.
  • Terminal Illness Insurance V/S Critical Illness Insurance
    If you know the difference between Terminal and Critical illness insurance, you might save some time in choosing the right insurance for you. Critical illness cover may provide you with a more advantageous policy than terminal illness policy. More precisely, you may end up having more benefits with critical illness policy for your money contributed than terminal illness policy.
  • Important Figures About Critical Illness Conditions To Consider
    Have you ever considered the fact that how you or your family would make both ends meet should you contract a critical illness in the future? Probably the most worrying fact with critical illness is that disability may occur after treatment. Fortunately, nowadays good and efficient medical techniques may have reduced the major causes of death. However, certain critical illness conditions still affect a considerable amount of people worldwide. Let’s have a look at some of these figures.
  • Is It Better To Invest On Critical Illness Cover Or Not?
    First of all if you are worried about the safety of the family or want to set everything right for the future, you are probably wondering about taking a critical illness insurance. Fine idea as it is, to get the best critical illness insurance you must have to somehow get busy. In an initial step you have to make a list of what life insurance companies you have to visit or phone.
  • Some Figures Concerning Critical Illness Claims Revealed By Standard Life In 2006
    Standard Life had published reports about its critical illness claims for the year 2006. Around 360 critical illness claims may have been paid amounting to a value of approximately GBP 18.7 million. A decrease in declined critical illness claims may have also been noted. This may have reached an impressive value of around 7.5 percent. Also, the average claim paid may have been nearly GBP 53,000 and the largest sum paid for a critical illness claim may have been about GBP 500,000.
  • Juvenile Critical Illness Cover-Knowing Its Importance
    Scottish Provident had published its critical illness reports as from May 2007. This report could have demonstrated the fact that the firm may have paid around GBP 95.5 million on critical illness claims in 2006. Around 57 percent of critical illness claims may have been for cancer while about 5 percent may have been for juvenile or children cover. The children critical illness cover may be automatically included in the policy by most companies nowadays.
  • Critical Illness Cover In UK vs USA vs Canada
    The adoption of critical illness cover had been relatively slow in the USA. In contrast, critical illness insurance may probably hold a much higher importance for the UK insurance market. The effort to boost critical illness cover sales by the DSF had led to its success in the UK. On the other hand, accelerated critical illness policies accounted for many sales than standalone critical illness covers in the UK.
  • Various Aspects Of Critical Illness Cover- Part 2
    The complexity of critical illness cover may give rise to different aspects. One aspect may be the reinstatement of life cover (buy back option). The buy back option may become useful if used under a prepayment critical illness policy. This could help the insured person accumulate enough funds for a death benefit gradually after a critical illness claim is made.
  • Various Aspects Of Critical Illness Cover-Part 1
    There is another aspect of critical illness insurance that must however be considered, the additional payment. If you have dependants and feel that the payout will not be enough after a critical illness benefit is obtained, you may go for the additional payment.
  • Critical Illness Cover- Acceleration Benefit V/S Standalone Benefit Rider
    Critical illness insurance may appear in different forms. Let’s have a look at acceleration benefit and standalone benefit rider.
  • Things To Know About Critical Illness Insurance
    Critical illness insurance tends to often take the form of a rider. For example, critical illness related life policy. Critical illness cover may also be combined with term or endowment both being the underlying or main policies. On the other hand, standalone critical illness cover may have become less important and lest looked for. However, it may still be offered by a minimum of companies and markets around the world.
  • The Use Of Critical Illness Insurance
    Critical illness insurance made its first apparition in South Africa in 1983 and was known as dread disease insurance. Before 1983, policies having the name cancer policy may have been sold in the USA providing cover for certain types of cancer. These cancer policies may be considered as the foundation of critical illness insurance. Gradually, critical illness insurance went worldwide and nowadays plays an important role in markets such as UK, Canada, East Asia, Israel, etc.
  • Some Conditions That Apply To Critical Illness Insurance
    Critical illness insurance may sometimes surprise us with some cases, in this case, antiselection. For example, people already suffering from a critical illness may have applied for a critical illness policy without making their insurers aware of the disease. But precautions can be taken against such cases. In fact the policy documents may contain a section named as the waiting period.
  • Looking At Critical Illness Claims Statistics To Determine The Insurer Of Your Choice Can Be Unwise
    People have been made aware by experts in the insurance industry not to take out critical illness insurance with a company based upon its proportion of critical illness claims it pays out. The figure might give a wrong impression. The impact can affect you directly if the critical illness insurance is not as effective.
  • Critical Illness Insurance Developments And Statistics
    Standard Life one of the most famous insurance companies in the UK had revealed its reports for the year 2005. Around 82 percent of critical illness claims may have been successfully paid since the year 2005 by Standard Life. These claims may have a reached a total of around GBP 20 million. Compared to the year 2004, only around 80 percent of critical illness claims could have been paid.
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