phil lempert: it's affordability. it's convenience. it's not having a lot of waste. people are more concerned about waste than ever before.. a senior northern ireland civil servant has apologised after hundreds of neurology patients were recalled for further testing...

the provider paid out on 7,469 life and 1,769 critical illness claims in the year, with men accounting for 59 per cent of life claims and 47 per cent of critical illness claims.