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Breast cancer is the most common cancer among women in the UK today. It claims the lives of 12,300 women every single year, 1,300 of these cases will be in women under the age of fifty, with 44,000 women diagnosed every year in this country. That’s over one hundred women a day that will receive the dreaded diagnosis. Many of them will have life insurance and will be able to claim on their critical illness cover but this will only scratch the surface of what they will need to cope with what’s ahead.

The incidence of breast cancer has increased dramatically over the last twenty years – up by fifty per cent. However, survival rates have also increased in line with this and there is no doubt that the NHS screening programme has had a lot to do with this. Eight out of ten of the cancers diagnosed by screening were found in women over the age of fifty, which is why screening is a regular thing for women over this age.

Early diagnosis is essential in surviving this disease and we are now at the stage where eight out of ten breast cancer sufferers will survive longer than five years. The NHS screening programme picks up 14,000 cases per year, saving 1,400 lives during that time. For those diagnosed with Stage 1 breast cancer, nine out of ten of those will survive beyond five years whereas if diagnosis does not take place until the cancer has reached Stage 4, survival drops to one in ten. So, we can see, the early diagnosis is very important.

Current screening programmes are limited to those over the age of fifty but health officials are looking at ways of lowering that. The more diseases that can be detected and successfully treated at the early stages, the more people will be enjoying long, healthy lives and the less harsh the life insurance premiums will be for us all.

It is hoped that screening for breast cancer will soon be introduced for all women over the age of thirty. This will take the form of genetic testing to determine their risk of developing the disease. The higher the risk, the more chance that these women will be offered regular scans and x rays to pick up the first signs of breast cancer and we will see survival rates increasing all the time.

Information has been released that says the technology to offer this service is now readily available but once again the possibility of it happening comes down to costs with health chiefs currently weighing up whether or not it is feasible. It seems harsh from the public’s point of view that they may not be able to receive this life saving early diagnosis because of money.

However, money could be saved by also genetically testing women over fifty and if there risk was very low there would be no point in scanning them every three years, thus saving resources in this department. Current tests are only available to women whose families have a high incidence of breast cancer already.

If the suggested screening goes ahead, it will mean that women who are found to have an increased risk will then go on to have annual checks from the age of forty onwards. Although this is a good thing, would it not feel like waiting for the inevitable? There are women and doctors both sides of the fence who are all for early diagnosis and I’m quite sure the life insurance companies will be all up for it too. Let’s hope the health of our nation comes before the purse strings.Health expert Catherine Harvey looks at the implications for life insurance if cancers are diagnosed earlier.
Even Earlier Screening Possible For Breast Cancer

Once you have finally decided that you want to sit down and think about getting a whole life insurance policy, you will be able to consider what the best life insurance policies there are out there.

If you are considering taking out a whole life insurance policy, then you should consider that it is better for people who are looking at investing in life insurance for the long term and is a little not more advanced than a simple term life policy. And, you will also see that even the best value whole life policies will seem quite a significant premium each month.

This is to make sure that the whole life insurance policies has gained enough money from you upfront in order to pay out down line. Also, the best of the whole life insurance policies will only have you pay a premium for about twenty years or so which means your monthly premiums will be on the higher side.

This will be better for you as you will be paying the higher monthly premiums now instead of paying them in your retirement years, which will mean that you can rest assured that you will be taken care of in the future.

When you do venture out into the market, you should look at the different policies that are on offer by the number of insurance companies out there. You wont want to take the first good deal that you come across as there will more than likely be a better deal out there to choose from.

You may be at the point where you currently do already have a life insurance policy. If you do, then you should ask your current supplier to see if they would mind switch you to a better deal. If they cant and you want to consider another firm then you should think carefully, as you will usually lose the money you have already invested.

If you take all of the information down in a notebook, when you speak to or read the information from each insurance company, then you should be able to make a clear and logical decision on who should be put into your shortlist and who shouldn’t. It will allow you eh evaluate all of the offers more clearly.

After you have completed this research on the different types of whole life insurance available from the number of different life insurance companies, you should be able to go ahead and make a decision. You should also have in the back of your mind that the sooner you start paying the premium the sooner it will end.An experienced insurer, Nick has a number of years of experience in the life insurance market. He advises individuals on the best whole life insurance policies and when individuals need whole life insurance quote he is usually not far away to answer.

Planning an event can be very complex at the best of times and it is easy not to be aware or to overlook cheap event insurance. In today’s society we live in a lawsuit culture unfortunately, and what used to be a little accident maybe to be laughed about over a drink someother time, has now turned into a suing opportunity.

Do not be fooled by the fact it is only friends and family, as friends and family have partners and some people change dramatically when the possibility of money arises. It is surprisingly inexpensive to get yourself some special event insurance.

A party twenty years ago was the perfect example of two potential law suits on one night. Being such a long time ago it was only something that turned into an amusing story afterwards but if it were now it would be a whole different scenario.

One person had locked themselves into a bathroom by accident and in an effort to see if they were still alive another person climbed up to a small glass window at the top of the door, and knocked on it to get their attention. The glass broke and the person had some minor injuries to their hand. About an hour later the gas over had an eruption blowing a big hole in a young lady’s skirt and giving her a nasty shock.

But those days are gone and now you need to know that you are covered in the event of someone suing for a silly reason or worse still something really bad happening at your event and someone close to you wondering why you did not have the correct insurance cover.

There are a variety of situations where you might need special event insurance including fetes, parties, weddings, public exhibitions, or public events. It really comes down to the basis that if you are planning to have a number of members of the public on your property or you are renting a place for an event, you are better off to look into event insurance.

Even a special birthday party like a 21st or 50th, or just one where there will be a large volume of people there on your property or your rented venue. This means that you’re going to have 150 to 300 people that you have invited to be in one place all at the same time. If one of these many people were to have the bad luck to get hurt after you had invited him or her through negligence of some sort or another, you may be liable and lose everything you own.

Negligence, although it sounds like a fancy word, can be as simple as setting up your tables and chairs, or other simple mistakes that anyone can make without realizing it.

No one likes to be sued for negligence, or anything else for that matter. But you need to consider, but not dwell on some of the worst case scenarios and not to behave like an ostrich by putting your head in the sand. If someone did get hurt during your public event, you would want to take care of him or her. Medical bills after an accident at your event and no insurance to pay for them is not a pleasant thought and this is what this type of insurance is for.

Event insurance is a safety net like any other type of insurance. You hope that you will not actually need it but it is only responsible to have it to provide for others and yourself in the event of a mishap.Jackie de Burca is co-owner Creative Web Advertising, who specialise in search marketing with realistic business goals. She recommends getting cheap event insurance at Arthur Savage Insurance.