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	<title>Life Insurance, Critical Illness, PHI &#38; ASU</title>
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		<title>Doctors Income Protection &#8211; Accident &amp; Sickness or Illness Cover for Doctors</title>
		<link>http://www.certainlife.co.uk/doctors-income-protection-accident-sickness-or-illness-cover/</link>
		<comments>http://www.certainlife.co.uk/doctors-income-protection-accident-sickness-or-illness-cover/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 17:52:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=168</guid>
		<description><![CDATA[Doctors receive sick pay on a sliding scale from the point NHS employment starts and the full sick pay entitlement is not reached until after 5 years of service.
The NHS sick pay entitlement is as follows:
0 &#8211; 3 months service = No sick pay.
3 &#8211; 12 months service = 1 month full pay &#38; 2 [...]]]></description>
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		<title>Self Employed Income Protection Insurance Cover</title>
		<link>http://www.certainlife.co.uk/self-employed-income-insurance-cover/</link>
		<comments>http://www.certainlife.co.uk/self-employed-income-insurance-cover/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 17:09:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=165</guid>
		<description><![CDATA[Self employed people don&#8217;t get sick pay and because benefits from the Government are nothing more than a token gesture it is important to take out an insurance policy that will provide cover for income in the event of a sickness, accident or disability.
When it comes to short term sickness cover there is income insurance [...]]]></description>
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		<title>Life Insurance &amp; Critical Illness Cover for Women</title>
		<link>http://www.certainlife.co.uk/life-insurance-critical-illness-cover-for-women/</link>
		<comments>http://www.certainlife.co.uk/life-insurance-critical-illness-cover-for-women/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 17:44:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=160</guid>
		<description><![CDATA[When it comes to life insurance, being a woman or a man makes little difference but critical illness cover does differ from one insurer to the next and some are more suitable for women.
Cancer is one of the core illnesses covered by critical illness cover but even the types and levels of cancer that are covered are different from [...]]]></description>
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		<title>Life Insurance with Medical Conditions</title>
		<link>http://www.certainlife.co.uk/life-insurance-with-medical-conditions/</link>
		<comments>http://www.certainlife.co.uk/life-insurance-with-medical-conditions/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 14:01:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=150</guid>
		<description><![CDATA[Trying to find life insurance with medical conditions or health problems can be a frustrating task.
Being turned down could make you think you can&#8217;t get cover at all but that may not be the case because different insurers have different guidelines and where one might say no, another could just as easily say yes.
It can sometimes even be [...]]]></description>
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		<title>Unemployment Cover</title>
		<link>http://www.certainlife.co.uk/unemployment-cover/</link>
		<comments>http://www.certainlife.co.uk/unemployment-cover/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 19:06:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Unemployment Cover]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=116</guid>
		<description><![CDATA[Unemployment insurance is often provided with ASU policies which cover Accident, Sickness &#38; Unemployment. Claims are paid as a monthly benefit to replace lost income in the event of accident, sickness or unemployment.
The claim period is usually restricted to 12 or 24 months or when the person returns to work.
Unemployment insurance can also be purchased [...]]]></description>
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		<title>Accident, Sickness &amp; Unemployment Cover (ASU)</title>
		<link>http://www.certainlife.co.uk/accident-sickness-unemployment-cover-asu/</link>
		<comments>http://www.certainlife.co.uk/accident-sickness-unemployment-cover-asu/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 19:01:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Accident & Sickness Cover: AS]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=113</guid>
		<description><![CDATA[The term &#8216;Accident &#38; Sickness&#8217; is usually associated with ASU policies which provide Accident, Sickness &#38; Unemployment cover. Claims are paid as a monthly benefit to replace lost income in the event of accident, sickness or unemployment. The claim period is usually restricted to 12 or 24 months or when the person returns to work.
ASU [...]]]></description>
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		<title>Permanent Health Insurance (PHI)</title>
		<link>http://www.certainlife.co.uk/permanent-health-insurance-phi/</link>
		<comments>http://www.certainlife.co.uk/permanent-health-insurance-phi/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 18:34:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Permanent Health Insurance: PHI]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=105</guid>
		<description><![CDATA[PHI or Permanent Health Insurance can be set up in lots of ways to benefit a persons particular circumstances. Different &#8216;deferred&#8217; periods will alter the cost and certain occupations are viewed differently by insurers.
We have access to advisers who can compare PHI cover from the whole market to pinpoint the most suitable solution that not [...]]]></description>
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		<title>Income Protection</title>
		<link>http://www.certainlife.co.uk/income-protection/</link>
		<comments>http://www.certainlife.co.uk/income-protection/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 18:16:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Income Protection]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=102</guid>
		<description><![CDATA[Income can be protected in several ways and against different events.
Permanent Health Insurance (PHI) &#8211; provides cover for a set term and can be used to protect a mortgage over a 25 year period or up to age 65 (whichever is the sooner). Claims are paid when a policy holder is sick or injured and [...]]]></description>
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		<title>Critical Illness Cover</title>
		<link>http://www.certainlife.co.uk/critical-illness-cover/</link>
		<comments>http://www.certainlife.co.uk/critical-illness-cover/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 17:52:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Critical Illness]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=99</guid>
		<description><![CDATA[Critical Illness Cover will provide a cash lump sum or regular income to a policy holder on diagnosis of a critical illness covered by the policy.
Critical Illness is not the same as Terminal Illness.
A terminal illness is, as you might expect, terminal and something which you will die from within 12 months. A critical illness [...]]]></description>
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		<title>Term Assurance</title>
		<link>http://www.certainlife.co.uk/term-assurance/</link>
		<comments>http://www.certainlife.co.uk/term-assurance/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 16:19:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Term Assurance]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=82</guid>
		<description><![CDATA[A Life Insurance policy will pay a lump sum or a regular income (see Family Income Benefit) to the estate or designated beneficiaries of the deceased should they die within the term of the policy.
Term Assurance &#8211; is a life insurance policy with a fixed term (i.e. 10 or 25 years &#8211; maximum available term [...]]]></description>
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