Critical acclaim.

The first UK critical illness plan appeared in 1986 and according to
the latest statistics released by Swiss Re Life & Health, the number of
individual CI policies in existence had climbed to an impressive 1.9
million by the end of 1997. This figure is already way above the 1.2
million for income replacement cover - the modern name for permanent
health insurance (PHI), yet life assurers have been actively promoting
income replacement insurance since the 1950s, and policies of this kind
have been

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