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Though jobless rates across the United Kingdom reached a seven-year low of 5.4 percent in 2015, reports from the Association of British Insurers reveal an uptick in the number of individuals losing income due to injuries and illnesses. An estimated one million people each year endure job-related absences for durations of at least one month while another 250,000 are rendered unable to work altogether. Numerous families are left to struggle both emotionally and financially in the wake of this surge.

Claybrooke Life Insurance wants to ensure companies are protected in the event a key person becomes unavailable either temporarily or permanently. When key personnel go down, it may be impossible to fill their shoes quickly, and companies need time to find a replacement that is suitable. The insurance policy allows the company to take the time needed to find the right person for the job and may mean the difference between remaining in business or closing the doors for good.

Researchers at Cardiff University have discovered that Diabetes has tripled in the United Kingdom in the decade between 1991 and 2011. Professor Craig Currie reports to BBC Radio Five News that the occurrence of Type II Diabetes in patients under 40 has risen significantly. “They now account for 12% of all newly diagnosed cases.” Dr. Phillip Lee a practicing General Physician told the Institute for Economic Affairs that “those with medical conditions caused by their lifestyle may have to make a contribution to their healthcare costs in the future.”