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Can I get Business Life Insurance if I Smoke or Vape?

Many smokers are worried that they won’t be able to get Key Man Cover or Relevant Life Cover for themselves or their businesses. Any insurance cover that pays out in the event of a critical illness or death will always ask you to confirm your smoking status when taking out a policy – this is […]

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Cervical Cancer Prevention Week

Sometimes in life there are things we don’t want to do or never get around to doing. Perhaps we justify it with lack of time or maybe that there are simply more pressing matters. Or maybe it’s simply something you’re too embarrassed to do or are afraid of doing it. One of these things is […]

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The History of Life Insurance

The history of life insurance date right back to Ancient Rome in the UK. As early as 100BC Roman soldiers joined forces to provide for their wives and children. Each member paid a monthly fee so that they could afford funeral expenses and give a small portion to the deceased’s family. However, it wasn’t until […]

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Do your hobbies really affect the cost of life insurance?

If you’ve ever looked into getting a life insurance policy before, you’ll know there’s a number of factors that can affect the price of your premiums. Amongst your age, health and smoking status, your insurance provider will also look at your hobbies. Whilst it can sound a little intrusive, it’s actually quite important in terms […]

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The real cost of presenteeism

In the past, employers would worry when faced with high numbers of absenteeism in the workplace. More recently, however, presenteeism is becoming a bigger issue than companies anticipated. What is presenteeism? Presenteeism occurs when someone is present at work for more hours than expected. This normally occurs when people continue to work whilst sick or […]

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Can you still get life insurance if you smoke cannabis?

If you have smoked or currently smoke cannabis, you may be wondering if it will prevent you from getting life insurance. In fact, you’re not alone. Around 7.2% of adults in the UK from age 16 to 59 have smoked cannabis in the last year – that’s approximately 2.4 million people. Unfortunately, smoking cannabis can […]

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How to manage employees with a critical illness

Managing an employee with a critical illness can be a difficult feat. Whilst you need to remain sensitive, it’s also important that you meet business needs too. In order to manage an employee who becomes seriously ill, there are a few steps you can take to make it a little easier on everyone. Working into retirement […]

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Mental health and your life insurance

Around 1 in 4 people in the UK will experience a mental health problem each year. Yet, we hear a number of cases where life insurance providers still discriminate against people with a disorder. With numbers rising, it’s about time we start tackling the issue to improve cover options for those suffering from mental health. […]

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The additional benefits you can get with your life insurance

Insurance providers are introducing new ways to add value to your life insurance. With benefits such as discounts to gym memberships, access to specialist treatment, mental health counselling and more, customers, now more than ever, are getting the most out of their life insurance policy. “Who needs money when you die, right?” Life insurance can […]

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Critical illness cover could be a financial life saver

Critical illness cover provides a lump sum following the diagnosis of a serious illness. This payment can be vital in getting through a tough time. When you’ve been diagnosed with a serious illness such as heart disease or cancer, it is likely that you’ll be spending a lot of time out of work. That’s where […]

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