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Critical illness insurance companies. and Video

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SOURCE: NEF6.COM

Life Insurance – Insured Life, life insurance and critical illness cover.

#Life #insurance #and #critical #illness #cover


life insurance and critical illness cover

These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.

Life insurance and critical illness cover

Losing a loved one is never easy, but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.

Let us do the hard work for you , and enjoy peace of mind when you need it most.

Life insurance and critical illness cover

Life insurance and critical illness cover

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Life insurance and critical illness cover

Life insurance and critical illness cover

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Life insurance and critical illness cover

Life insurance and critical illness cover

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The Financial Conduct Authority

The FINANCIAL CONDUCT AUTHORITY (FCA) – is a financial regulatory body in the United Kingdom, but operates independently of the UK government, and is financed by charging fees to members of the financial services industry. The FCA regulates financial firms providing services to consumers and maintains the integrity of the UK’s financial markets. It focuses on the regulation of conduct by both retail and wholesale financial services firms.

The Financial Conduct Authority | 25 The North colonnade | Canary Wharf | London | E14 5HS

Insured Life is a trading name of PBS Co (UK) Limited (FCA Registration Number: 732728).

PBS Co (UK) Limited 1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

Whose Products Do We Sell?
  • We offer products from a range of insurers for life insurance and critical illness cover.
  • We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
  • As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
  • We sometimes get preferential rates on selling policies which we pass on to you.
  • We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
  • You will not receive financial advice from us. We will ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed, once presented with the facts.
  • We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simply used as a guide for you when deciding how much cover you may need. We do not offer financial advice at any time.
How Much Does Our Service Cost?
  • NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
  • You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
  • We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
Who Regulates Us?

Insured Life is a trading name of PBS Co (UK) Limited who are authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation under the firm license number: 732728

Our permitted business is administering and arranging general insurance contracts. You can check this on the FCA’s Register by visiting the FCA’s website.

PBS Co (UK) Limited 1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

Have a Complaint?

If you wish to register a complaint, please contact us:

In writing: PBS Co (UK) Limited | C/O InsuredLife Complaints Department.

1st Floor Kirkdale House, 7 Kirkdale Road, Leytonstone, London, E11 1HP.

By Telephone: 0800 037 3000

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Please ask us for more information.

Are We Covered by the Financial Services Compensation Scheme?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim with no upper limit.

Further information about compensation scheme arrangements is available from the FSCS.


Mental Illness: Learn the Definition, Tests and Statistics #is #alcoholism #a #mental #illness


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Mental Illness Basics

Mental illness is any disease or condition that influences the way a person thinks, feels, behaves, and/or relates to others and to his or her surroundings. Although the symptoms of mental illness can range from mild to severe and are different depending on the type of mental illness, a person with an untreated mental illness often is unable to cope with life’s daily routines and demands.

What Causes Mental Illness?

Although the exact cause of most mental illnesses is not known, it is becoming clear through research that many of these conditions are caused by a combination of genetic, biological, psychological, and environmental factors — not personal weakness or a character defect — and recovery from a mental illness is not simply a matter of will and self-discipline.

  • Heredity (genetics). Many mental illnesses run in families, suggesting they may be passed on from parents to children through genes. Genes contain instructions for the function of each cell in the body and are responsible for how we look, act, think, etc. However, just because your mother or father may have or had a mental illness doesn’t mean you will have one. Hereditary just means that you are more likely to get the condition than if you didn’t have an affected family member. Experts believe that many mental conditions are linked to problems in multiple genes — not just one, as with many diseases — which is why a person inherits a susceptibility to a mental disorder but doesn’t always develop the condition. The disorder itself occurs from the interaction of these genes and other factors — such as psychological trauma and environmental stressors — which can influence, or trigger, the illness in a person who has inherited a susceptibility to it.
  • Biology. Some mental illnesses have been linked to an abnormal balance of brain chemicals called neurotransmitters. Neurotransmitters help nerve cells in the brain communicate with each other. If these chemicals are out of balance or are not working properly, messages may not make it through the brain correctly, leading to symptoms of mental illness. In addition, defects in or injury to certain areas of the brain also have been linked to some mental conditions.
  • Psychological trauma. Some mental illnesses may be triggered by psychological trauma suffered as a child, such as severe emotional, physical, or sexual abuse; a significant early loss, such as the loss of a parent; and neglect.
  • Environmental stressors. Certain stressors — such as a death or divorce, a dysfunctional family life, changing jobs or schools, and substance abuse — can trigger a disorder in a person who may be at risk for developing a mental illness.

Can Mental Illness Be Prevented?

Unfortunately, most mental illnesses are caused by a combination of factors and cannot be prevented.

How Common Is Mental Illness?

Mental illnesses are very common. In fact, they are more common than cancer. diabetes. or heart disease. According to the National Institute of Mental Health, about 25% of American adults (those ages 18 and older) and about 13% of American children (those ages 8 to 15) are diagnosed with a mental disorder during a given year.

Mental illness does not discriminate. It can affect people of any age, income or educational level, and cultural background. Although mental illness affects both males and females, certain conditions — such as eating disorders — tend to occur more often in females, and other disorders — such as attention deficit hyperactivity disorder (ADHD ) — more commonly occur in children.

How Is Mental Illness Treated?

A mental illness, like many chronic illnesses, requires ongoing treatment. Fortunately, much progress has been made in the last two decades in treating mental illnesses. As a result, many mental conditions can be effectively treated with one or a combination of the following therapies:

  • Medication.
  • Psychotherapy .
  • Group therapy.
  • Day treatment or partial hospital treatment.
  • Specific therapies, such as cognitive-behavior therapy and behavior modification.

Other treatments available include:

  • Alternative therapies, such as water therapy, massage. and biofeedback.
  • Creative therapies, such as art therapy, music therapy, or play therapy.
  • Hypnotherapy.
  • Electroconvulsive therapy (ECT ).
  • Vagus nerve stimulation (VNS ).
  • Transcranial magnetic stimulation (TMS) is a newer therapy.

What Is the Outlook for People with Mental Illness?

When diagnosed early and treated properly, many people fully recover from their mental illness or are able to successfully control their symptoms. Although some people become disabled because of a chronic or severe mental illness, many others are able to live full and productive lives. In fact, as many as 8 in 10 people suffering from a mental illness can effectively return to their normal activities if they receive appropriate treatment.

WebMD Medical Reference

SOURCE: National Institute of Mental Health web site: Mental illness statistics.

Reviewed by Joseph Goldberg, MD on February 14, 2012

Last Editorial Review: 2/14/2012



Deceptive Insurance Deals (STOLIs) #insurance #scam, #term #insurance #scam, #long-term #care, #long #term #care, #ltc, #long-term #care #insurance, #long #term #care #insurance, #greedy #insurance #investors, #transfer #policy, #transfer #insurance #ownership, #chronic #illness, #chronic #conditions, #long-term #care #expenses,, #long #term #care #costs, #stoli, #stoli #promoter, #older #women, #joint #insurance #policies, #insurance #taxes


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Deceptive Insurance Deals (STOLIs)

There’s an evil cousin of legitimate life settlements out there, says Jack Dolan, vice president for media relations with the American Council of Life Insurers. It’s called ‘Stranger-Originated Life Insurance,’ or ‘a STOLI arrangement,’ and it’s all about getting unsuspecting consumers to deceive the insurance industry, at great personal risk to the individuals.

Here’s how a STOLI works:

A STOLI promoter—generally a financially savvy person—approaches you about buying a hefty life insurance policy on yourself. Working independently of any insurance company, the third-party promoter promises you a big cash payment up front, will lend you money to pay the premiums for the first two years of the policy (the normal period in which an insurance company can contest a policy), and will then promise to forgive the loan.

In exchange, you’re enticed to inflate the value of your assets on the insurance application, perhaps stating that you want to guarantee your family’s security after your death. If the scheme plays out successfully, it results in a policy with a face value that can be worth several million dollars. At the outset, you must agree to transfer ownership of your policy at the end of the two-year period to the STOLI promoter and investors, who will receive those millions upon your death.

STOLI promoters typically target well-to-do, older adults who aren’t in the best of health, says Dolan. However, these peopleare healthy enough to pass a medical exam but probably don’t have more than five or so years to live. The speculators are essentially wagering on your dying soon.

The success of a STOLI depends on a seductive approach that causes you not to examine it closely enough. But there are serious consequences if you participate in this scheme, many of which you may not see immediately. The possible ramifications include the following:

Taxes, Taxes, and More Taxes: You’ll be taxed on the money the promoter gives you up front. And you could be taxed on the amount of the premium loan the promoter forgives. Some STOLI promoters pull out all the stops to court you into setting up a policy, even inviting you on all-expenses-paid luxury trips. But there is one vacation expense you’ll have to pay: taxes.

Say Goodbye to Privacy: The sooner you die, the sooner the STOLI promoter and investors get paid. They’ll all but knock on your door to check in on how you’re doing.

No More Insurance: By inflating your assets to increase the value of your insurance policy, you’ve become over-insured and are unlikely to be able to buy any more policies.

You Could Get Caught: If your policy is found to be deceptive, the insurance company will likely rescind it, refund your premiums, and leave it at that. But it may also refer the case to state law-enforcement authorities for a fraud investigation and file an action against the STOLI promoter.

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LASIK again ten years later? # #lasik #again #ten #years #later?, #add, #add, #acne, #addiction, #aging, #aids, #alcohol, #allergies, #alzheimer’s, #arthritis, #asthma, #attention #deficit #disorder, #autism, #bacteria, #blood, #board, #bone, #bowel, #breast #cancer, #cancer, #care, #chat, #circulation, #colon, #community, #contagious, #deaf, #deficiency, #dementia, #depression, #dental #problems, #diabetes, #diet, #disabilities, #discussion, #disease, #disorder, #doctor, #epilepsy, #exercise, #fever, #fibromyalgia, #fitness, #flu, #forum, #forums, #gastro, #hard #of #hearing, #headaches, #healing, #health, #healthcare, #heart, #hepatitis, #herpes, #illness, #immunization, #infection, #infectious, #information, #management, #medical, #medication, #medicine, #mental, #ealth, #message, #migraines, #multiple #sclerosis, #network, #nurse, #nutrition, #osteoporosis, #pain, #penis #size, #personal, #pregnancy, #prescription, #prostate, #rx, #sexual, #health, #std, #stress, #stroke, #support, #support #group, #surgery, #syndrome, #talk, #teen, #ubb, #viagra, #virus, #weight #loss, #wellness, #women’s #health


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LASIK again ten years later?

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LASIK again ten years later?

10-01-2012 05:09 AM by otte

Re: LASIK again ten years later?

Originally Posted by Newton418

I had my first LASIK at age 40, when I was nearsighted and astigmatic. Now, at age 50, my eyes have (of course) aged to the point where I’m very farsighted. Can I safely get a second LASIK procedure to correct?

I am with Guy448. It is a gamble – you may have great results, you may not. I chose the life time plan, had both eyes done twice last year and they are still not right. I’ll stick with glasses when I need them.

11-17-2012 10:53 PM by david590

Re: LASIK again ten years later?

Originally Posted by Newton418

I had my first LASIK at age 40, when I was nearsighted and astigmatic. Now, at age 50, my eyes have (of course) aged to the point where I’m very farsighted. Can I safely get a second LASIK procedure to correct?

Hi, I’m 2 1/2 weeks post surgery and I’m far sighted which is much worse than near sighted but, I’m told, it may get better. In any case, I’ve read various things about lasik enhancements and I’ve made the decision to not to do it. There are risks specifically with the cornea flap and I’m going to leave well enough alone and get along with glasses.

My vision is correctable with glasses and is currently only slightly far-sighted (+.75) so I’m just going to live with it.

11-17-2012 10:55 PM by david590

Re: LASIK again ten years later?

Originally Posted by Newton418

I had my first LASIK at age 40, when I was nearsighted and astigmatic. Now, at age 50, my eyes have (of course) aged to the point where I’m very farsighted. Can I safely get a second LASIK procedure to correct?

Hi, I’m 2 1/2 weeks post surgery and I’m far sighted which is much worse than near sighted but, I’m told, it may get better. In any case, I’ve read various things about lasik enhancements and I’ve made the decision to not to do it. There are risks specifically with the cornea flap and I’m going to leave well enough alone and get along with glasses.

My vision is correctable with glasses and is currently only slightly far-sighted (+.75) so I’m just going to live with it.

How far-sighted are you? Do you need glasses for distance. Or is it that you just can’t see near due to the age?

11-19-2012 01:58 PM by Pablo7703

Re: LASIK again ten years later?

the risk in a second Lasik is lower than that of the first lasik because the flap is already there.

11-19-2012 02:55 PM by otte

Re: LASIK again ten years later?

Originally Posted by PabloPicasso

the risk in a second Lasik is lower than that of the first lasik because the flap is already there.

I would think all the risks are the same. The only difference is the flap is already cut. I did ask my doctor what the time frame was for lifting the flap and he said he has done them 10 years later which means to me it never really fully heals. The risks are still the same with the flap being positioned properly, and as with any cuts there is scarring, again lifting the flap is an injury to the body. There is also the risk of infections, getting the correction correct, induced sight problems like astigmatism like I have, dry eye, and more.
This is a major operation and I look back thinking how weird it was that a person can just walk into a room and have the cornea cut and lifted without a whole lot of sterilization done.

11-20-2012 12:20 AM by Pablo7703

Re: LASIK again ten years later?

You are absolutely right. the only problems you will not have the risk of when the flap is already created are problems related to cutting blood supply to the retina and increasing the intraocular pressure in the process of creating the flap..
I am glad you are thinking this through and taking your time before rushing into it. if only I was like you before I had mine done good luck

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