Bricklayers working in Hatfield. The construction industry took a big hit from the recession and expects the outlook to get tougher. Photograph: Frank Baron for the Guardian It was a bright, sunny day when 19 senior executives, each representing one of the government’s biggest suppliers, trooped into Admiralty House off Whitehall to meet the Cabinet [...]

Disability insurance is one of the most important and complex types of coverage a person can obtain. Although the concept that Disability insurance protects your income is fairly simple to understand, there are so many provisions, definitions and optional riders available that it can make decision making very difficult when purchasing a policy.  The definition [...]

Let’s face it, every now and again, all of us fall ill, or get in accidents or have some kind of medical problem, its just a part of life. Thats why most of us choose to have some sort of health insurance plan, for that just in case assurance. But why pay more than you [...]