View more on these topics

‘F’ word may make clients responsible


Public health minister Anne Milton has suggested that doctors should call overweight patients fat rather than obese.

Her thinking is that if GPs start using the ’F’ word when talking to patients it’s more likely to motivate them to lose weight.

Her straight-talking words follow the announcement that ministers wish to place the emphasis on consumers taking more responsibility for their health.

Obesity presents a significant health risk, with overweight individuals more likely to suffer from heart disease, high blood pressure, diabetes, strokes and other life-threatening conditions.

This means that taking out protection products is more costly for them. People with a body mass index of more than 30 are classed as obese so they struggle to get a competitive rate for life and critical illness cover, but it’s these people who need protection more than most.

The Department of Health predicts that the number of obese men will increase to more than six million this year.

So isn’t it time people took their health more seriously? Unfortunately, many wait until it’s too late and for those who haven’t taken out protection because the premiums are too expensive the financial effects can be devastating.

The health minister’s statement may be controversial but if it encourages individuals to take more responsibility for their own lifestyles it could also lead them to recognise the value of and need for protection.


Let us professionals dish out the advice, Goldsmith Williams

With regard to Goldsmith Williams claiming brokers could generate significant remortgage opportunities by advising clients to switch to fixed rate deals, solicitors are supposed to be a clever bunch, aren’t they? Why on earth would any client on a 2.5% tracker want to remortgage to a higher rate unless they can’t sleep at night for […]

Grainger’s buyout of Sovereign limits equity release field

The news that Sovereign Reversions, parent of Home & Capital, has been acquired by Bridgewater Equity Release owner Grainger, is good for funding. Home & Capital restricted its maximum release and property value earlier this year but Grainger has deep enough pockets to boost the funding of home reversion plans. On the other hand, this […]


Ahead of the curve

Lloyds Banking Group is staying at the forefront of the market by pre-empting many FSA requirements. It’s also a firm believer in the power of brokers, as the lender’s head of intermediaries Peter Curran reveals

Benefits - thumbnail

Global benefits predictions for 2015 from Jelf International

According to Doug Rice, managing director of international services, in 2015, managing their international duty of care will become an increasing focus for UK-based overseas organisations in both managing their short- and longer-term challenges. As a result, strong independent advice and innovative technological solutions will become more important than ever in managing their global benefits.


News and expert analysis straight to your inbox

Sign up