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	<title>Life Insurance, Critical Illness, PHI &#38; ASU</title>
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		<title>Income Protection Advice &#8211; Help &amp; Information</title>
		<link>http://www.certainlife.co.uk/income-protection-advice-help-information/</link>
		<comments>http://www.certainlife.co.uk/income-protection-advice-help-information/#comments</comments>
		<pubDate>Mon, 05 Sep 2011 16:07:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=215</guid>
		<description><![CDATA[Income protection advice or thorough research is the only way to make sure a policy will actually do what it is supposed to.
There are many different types of cover and numerous options available which can make it easy to end up with the wrong solution in the absence of good income protection advice.
Having the wrong [...]]]></description>
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		<title>Life Insurance &amp; Critical Illness Policy in Trust</title>
		<link>http://www.certainlife.co.uk/life-insurance-critical-illnes-in-trust/</link>
		<comments>http://www.certainlife.co.uk/life-insurance-critical-illnes-in-trust/#comments</comments>
		<pubDate>Sat, 09 Apr 2011 13:33:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=207</guid>
		<description><![CDATA[In 2010 it was estimated that only 5% of all new life insurance policies were placed in &#8216;trust&#8217;.
The only excuse for this is advisers are not doing a good enough job.
Placing a policy in trust is a free service offered by life insurance companies.
All it takes is one form which isn&#8217;t very difficult to fill [...]]]></description>
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		<title>Terminal Illness Cover is not the same as Critical Illness Cover</title>
		<link>http://www.certainlife.co.uk/terminal-illness-cover-is-not-the-same-as-critical-illness-cover/</link>
		<comments>http://www.certainlife.co.uk/terminal-illness-cover-is-not-the-same-as-critical-illness-cover/#comments</comments>
		<pubDate>Fri, 18 Mar 2011 16:52:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=205</guid>
		<description><![CDATA[Many people with life insurance which includes Terminal Illness Cover think that is is the same as Critical Illness Cover but it isn&#8217;t.
The biggest difference is:
Terminal Illness &#8211; an illness from which you will die in the next 12 months.
Critical Illness &#8211; an illness which you could recover from and even return to a normal life.
Terminal Illness is [...]]]></description>
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		<title>Life Insurance for Overweight People</title>
		<link>http://www.certainlife.co.uk/life-insurance-for-overweight-people/</link>
		<comments>http://www.certainlife.co.uk/life-insurance-for-overweight-people/#comments</comments>
		<pubDate>Wed, 22 Dec 2010 12:24:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=202</guid>
		<description><![CDATA[Being overweight can affect the price and sometimes the ability to obtain life insurance.
Life insurance companies use several factors to determine what risks are involved in offering someone life insurance.
Being overweight can cause serious health problems in later life and this is why life insurance companies are more cautious when offering cover to overweight people.
Life [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pru Relaxed about Recreational Flying</title>
		<link>http://www.certainlife.co.uk/pru-relaxed-about-recreational-flying/</link>
		<comments>http://www.certainlife.co.uk/pru-relaxed-about-recreational-flying/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 16:48:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=180</guid>
		<description><![CDATA[PruProtect, the life insurance arm of Prudential takes a relaxed approach to underwriting when it comes to recreational flying of Hang Gliders, Gliders, Microlights and other small fixed wing aircraft.
In the majority of cases they are happy to offer &#8217;standard&#8217; rates for Life &#38; Serious Illness Cover regardless of how many hours a person flies per [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Deferred Period &#8211; Income Protection/Accident &amp; Sickness Insurance</title>
		<link>http://www.certainlife.co.uk/deferred-period-income-protectionaccident-sickness-insurance/</link>
		<comments>http://www.certainlife.co.uk/deferred-period-income-protectionaccident-sickness-insurance/#comments</comments>
		<pubDate>Wed, 15 Sep 2010 17:45:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=176</guid>
		<description><![CDATA[Just what is a &#8216;deferred period&#8217; and why is it important?
Imagine this scenario:
You are in a 9 &#8211; 5 job and you get sick pay.
Your sick pay may only pay you for 6 or 12 months but after that it stops.
What happens if you&#8217;re seriously ill or injured?
Well, if your sick pay stops after 6 [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Level Life Insurance Vs. Family Income Benefit</title>
		<link>http://www.certainlife.co.uk/level-life-insurance-vs-family-income-benefit/</link>
		<comments>http://www.certainlife.co.uk/level-life-insurance-vs-family-income-benefit/#comments</comments>
		<pubDate>Tue, 07 Sep 2010 17:53:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News & Articles]]></category>

		<guid isPermaLink="false">http://www.certainlife.co.uk/?p=172</guid>
		<description><![CDATA[When taking out life insurance for a mortgage there are 3 ways life insurance can be set up to make sure the mortgage is cleared.
If it is a &#8216;repayment&#8217; mortgage and the debt keeps going down, the cheapest life cover is &#8216;decreasing&#8217; cover which also goes down over time.
If the mortgage is &#8216;interest only&#8217; the debt [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Doctors Income Protection &#8211; Accident &amp; Sickness or Illness Insurance 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>
		<wfw:commentRss>http://www.certainlife.co.uk/doctors-income-protection-accident-sickness-or-illness-cover/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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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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		<slash:comments>0</slash:comments>
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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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