Scottish Widows has released critical data that has strengthened the disease statistics for the pay-out over the years 2000 and 2007, for a total of? 150 million euros to more than 4,500 critical illness claims.

The data showed that the number of casualties has risen which is a comforting thought for people who are cynical gaps in life insurance and wage levels and frequency out.

During the year to October 2007, more than? 29 million had been paid on 847 critical illness claims, with the most common concern to people in the UK who fall into five main categories. Cancer of 61 per cent of critical illness claims, with heart-related applicants for a total of 21 cents and stroke loans accounting for 7 percent. Multiple sclerosis accounted for 4 percent of critical illness cover claims ? with children who make up 2 percent.

The study by Scottish Widows has also shown that the average age of a male applicant with a critical illness insurance is equal to 47 years while the average American women was 44 years.

Further data showed that the policy holders who have their positions to cover an average of four years and 11 months before they request them.

Protection market director with Scottish Widows, said Richard Jones, ? needs financial protection for both family and business has never been greater, especially with more families relying on two incomes and the increase in the number of people who are self-employed. However, the lack of consumer confidence is to help people who do not take the value of protection that they need and to their dependents.

Releasing their claims history, statistics, Scottish Widows critical illness cover division hopes to restore confidence that the majority of claims do result in a pay-out. The data showed that between October 2006 and October 2007, only five percent of claims had been rejected, largely because of the lack of sufficient information as evidence to support the claim. Nine percent were rejected because of their claim, not being covered by the policy.

Jones said, ? or ensure our literature is clear and to minimize the possibility of misunderstandings, Scottish Widows regularly reviews and gets feedback on our application forms and customer literature. The differences that this and other initiatives can make are clear when you see that last year we paid more than in previous years claims and ? and to pay a higher percentage of claims.

Critical illness insurance will benefit people if they are diagnosed with any condition covered by this policy, to be paid an advance which therefore means the disease ceases to be a knight-critical use. The basic sum insured will continue to be in operation though.

A general rule among insurers is that if someone survives for 30 days after diagnosis, the entire sum insured, including critical illness, is paid. Compared to general insurance, including full coverage is paid regardless of the actual money spent on treatment.

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