Anyone fearful that they risk being denied cover, or landed with unaffordable premiums after genetic testing, can breath a temporary sigh of relief, writes Mary O'Hara.

It's not only top athletes who suffer serious injuries - amateurs also need to be covered for financial loss, writes Jessica McCallin.

Offices, PCs and cars are generally priorities for insurance, but many entrepreneurs neglect a more valuable possession - their health. Fortunately, peace of mind can be bought for a sensible price.

Term assurance offers you cover for a specified number of years. Because it is only for a fixed term, as opposed to the whole of your life, this makes it cheaper than conventional life insurance.

Claims firms are accused of forcing up insurance bills, reports Mark King.