Hareem Shah Leaked Video Of Sheikh Rasheed

Hareem Shah Leaked Video Of Sheikh Rasheed :

Hareem Shah and Sheik Rashid in a strange video is the new low I never expected to see .

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Hareem Shah has gotten extremely acclaimed, for the most part due to her contentions and her regular appearance with political figures. She has once more ended up at the focal point of another video outrage. This time it's with the Railway Minister Sheik Rashid. 

Hareem Shah and Sheik Rashid are presently involved in another discussion when a Twitter account, professing to be Hareem Shah discharged a video .

In the video, a lady, claimed to be Hareem Shah, can be seen conversing with Railway Minister Sheik Rashid and afterward getting him out for visiting with her in the past without garments. When the lady expresses those words the video call is cut from Sheik Rashid's end. 

After the video spill with Sheik Rashid, Hareem showed up with her companion Sundal Khattak to explain that while she doesn't have any association with the release, the video of the call with Sheik Rashid is genuine 

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                           کلک کر کے میری ویڈیو دیکھیں

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                           کلک کر کے میری ویڈیو دیکھیں

At the point when the whole story got a smidgen excessively confounding, Waqar Zaka stepped in on the grounds that that is the thing that he does best. Hareem and Sundal Khattak spilled some significant tea about the debate. 

As indicated by them Sheik Rashid had requested that they meet him during the video call and they recorded the bring in the event of any risk to their security however they never transferred it. They likewise clarified that since they are PTI supporters and are faithful to their gathering, they may uncover a few wolves in sheep's clothing at some point or another. 

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Alright so Hareem is by all accounts contention's preferred youngster. There are such a significant number of inquiries in my psyche. Who truly released the video Will there be another peak? Would it be a good idea for us to be set up for another plot turn? WTF is Sheik Rashid doing video calling her at any rate? Can hardly wait for additional on this, genuinely.

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Info about criminal lawyer miami

 

Mark Eiglarsh miami criminal defense attorney

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A FIERCE, AGGRESSIVE, & EXPERIENCED TRIAL LAWYER

Mr. Eiglarsh has tried countless jury trials and numerous "Bench trials." He has obtainednumerous acquittals and produced hundreds of positive results for clients in both State and Federal Court as a result of his experience as both a trial attorney and a negotiator. He is a very unique lawyer in that he is honest, ethical and impeccable with his word. He's extremely well respected and admired by his current and former clients. Mr. Eiglarsh always is a straight talker and doesn't sugar coat things. He treats his clients the way he wants to be treated by other professionals. Furthermore, he's zealous, aggressive and fights hard for his client's rights, even putting their interests before his own. He does all in his power to obtain the best possible outcome under challenging circumstances. After over two decades litigating cases, he has a proven track record of success.

SERVICE & PROFESSIONAL ORGANIZATIONS

Mark Eiglarsh is a member of many professional and community service organizations including:

• Member of the National Association of Criminal Defense Lawyers.
• Member of the Florida Association of Criminal Defense Lawyers, where he served on the Board of Directors of the Miami Chapter.
• Member of the Dade County Bar Association, where he previously served on the Board of Directors
• Serves as an Ambassador for the Miami chapter of Big Brothers/Big Sisters, previously serving on the Board of Directors for (since 1998) and previously served as a mentor to an "at risk" child. He served as past legal counsel to the agency and chair of the Volunteer Recruitment Council.

Ken Swartz miami criminal lawyer

Ken Swartz is an accomplished Miami criminal defense lawyerwith over 25 years of experience in criminal defense law. Named to the list of Florida Super Lawyers for the past two years for his criminal defense expertise, Swartz was also named as a Finalist for Most Effective Lawyers of 2008 in the category of criminal justice. He has been Board Certified by the Florida Bar as an expert in the field of Criminal Trial Law for the past ten years.
Additionally, Ken Swartz has been recognized by the Daily Business Review of South Florida in their awards for Florida attorneys who performed the most impressive work and the cases where they made their mark. He has received the highest possible rating from other lawyers and judges (AV Peer Review Rating from Martindale-Hubbell). According to Martindale-Hubbell, this rating recognizes lawyers who have "reached the height of professional excellence. He has usually practiced law for many years, and is recognized for the highest levels of skill and integrity."
Swartz’s Criminal Defense Practice Focuses Upon White Collar Crime 
Ken Swartz has successfully represented persons throughout Florida and across the country facing criminal charges in state and federal court where the crimes alleged to have occurred involved white collar crimes, such as bank fraud; mortgage fraud; and other economic and business crimes. Mr. Swartz has also represented people who have been charged with Medicare fraud and other health care investigations; as well as income tax evasion and other tax investigations. He has successfully handled internet crime cases involving pornography on the web and other sex related crimes. Ken Swartz’s criminal defense practice also includes defending against charges of federal and state drug offenses, such as importation, possession and distribution, and money laundering.
The “Dirty Bomber” Case 
His name may be familiar to many due to the media scrutiny surrounding a case where Mr. Swartz represented the lead defendant in the United States v. Jose Padilla, a 4-month federal jury trial that drew international attention for the high stakes prosecution of the man dubbed the “Dirty Bomber.” In that case, Ken Swartz successfully convinced the judge to reject the government’s request for a life sentence, obtained a sentence that was well below the federal sentencing guidelines.
Leader in the Florida Criminal Defense Bar 
For the past eight years (since 2001), Ken Swartz has been organizer and program chair of the annual Advanced Federal Criminal Practice seminar, sponsored by the Criminal Law Section, recognized as the preeminent federal practice seminar for attorneys in Florida as miami criminal defense lawyer. Swartz is also an active member of the National Association of Criminal Defense Lawyers. Mr. Swartz is a former president of the Miami Chapter of the Florida Association of Criminal Defense Attorneys, a member of its statewide board of directors, and serves on the Executive Council of the Florida Bar Criminal Law Section.
Additionally, Mr. Swartz has written several articles on criminal defense practice for the Florida Defender, the publication for the Florida Association of Criminal Defense Lawyers that is read by to criminal defense lawyers and judges throughout the state.  As a lecturer, Ken Swartz has spoken countless times on issues involving federal criminal law.
Swartz Honed His Criminal Defense Expertise by Handling over 1000 Federal Cases as a Top Federal Defender 
Prior to the formation of Swartz Law Firm, Ken Swartz was a supervisor in the Federal Defender Office of South Florida, one of the busiest and distinguished Federal Defender offices in the country.  There he practiced in Federal Court on a daily basis and handled well over 1000 felony criminal cases, achieving an impressive win record for his defense clients as he accumulated one acquittal after another.
Rodney Thaxton Memorial “Against All Odds” Award Recipient 
Recently, Ken Swartz was awarded the Rodney Thaxton Memorial “Against All Odds” Award by the Miami Chapter of the Florida Association of Criminal Defense Lawyers for his work representing a the lead defendant in the Jose Padilla case.  This honor is awarded each year to criminal defense lawyers who take on a particularly difficult case and represents the heart and spirit of criminal defense.

Experienced Miami Criminal Lawyers Fighting to Protect Your Rights

Facing State or Federal criminal charges in Miami is a frightening experience.  This is especially true for a person who has never had contact with the criminal justice system, whether it be in Miami or anywhere else. You need an experienced criminal lawyer on your side
As practicing criminal defense lawyers, sometimes it’s easy forget how a criminal case looks from a client’s perspective:  Suddenly, you find yourself thrust into a world you never imagined you would be a part of, and subjected to indignities you never thought you would experience. The stress of being the subject of an investigation or the trauma of being arrested and booked into a filthy, overcrowded Miami jail can truly be overwhelming. It will make you question your most basic assumptions about what kind of person you are.

The first three things that go through your mind while selecting miami criminal defense attorney :
1) How will this affect my job?
2) How will this affect my family?
3) How will this impact the opinion everyone has of me?
A criminal conviction can also impact your ability to rent a home or live in certain communities. If you are not a citizen, a criminal conviction can even get you deported.
Fortunately, there’s a chance that your life can go back to normal. But timing is critical. You need to know your rights under the law and act to protect them immediately.
Don’t wait to get help.
Timely intervention, negotiation, and preparation by an experienced  State & Federal criminal defense attorney are your best option.
Our law firm’s practice is exclusively limited to both State & Federal criminal defense in Miami and other cities, with a strong emphasis on the trial phase of legal advocacy. Our criminal defense lawyers have defended a wide range of state and state and federal criminal cases in Miami, as well as other jurisdictions in Florida. Our trial experience, along with a personal commitment to our clients, combine to offer the prospective client competent representation in a supportive, hands-on environment. As criminal defense attorneys, our philosophy is grounded in the strong belief that our clients should be fully informed about every aspect of their case as it progresses.
Over the past 16 years, we have guided countless people through this emotional and legal maze with two goals in mind:
1) avoiding jail if at all possible, and,
2) avoiding a criminal conviction.
While every case is different, we do everything we can to minimize the effects of a criminal case on your life.
You want to put your case behind you and move on with your life. CALL US NOW for a CONFIDENTIAL CONSULTATION at (305) 538-4545.
Click here to learn more about our experience and qualifications.
*Due to the the large number of people who contact us requesting our assistance, it is strongly suggested that you take the time to provide us with specific details regarding your case by filling out our confidential and secure intake form. The additional details you provide will greatly assist us in responding to your inquiry in a timely and appropriate manner.
YOU DESERVE THE BEST DEFENSE POSSIBLE | ALWAYS INVESTIGATE AN ATTORNEY’S QUALIFICATIONS AND EXPERIENCE BEFORE MAKING A DECISION ON HIRING CRIMINAL DEFENSE COUNSEL  

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Daignosis and Treatment of Sarcomatoid Mesothelioma

Diagnosis Of Mesothelioma :

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Mesothelioma is a cancer that attacks the lubricative layer lining the inside of the chest and abdomen and the internal organs. Pathologists categorize mesothelioma cancer cases according to levels of criteria, which are as follows:

Location:

• Lungs (pleural mesothelioma)
• Abdomen (peritoneal mesothelioma)
• Heart (pericardial mesothelioma)

Stage:

• Stage 1 Mesothelioma (cancer cells have started to form)
• Stage 2 Mesothelioma (cancer has spread locally)
• Stage 3 Mesothelioma (cancer has spread to adjoining areas)
• Stage 4 Mesothelioma (cancer has begun to metastasize)

Cellular Structure:

• Epithelial (organized and structured)
• Sarcomatoid (random and irregular)
• Biphasic (a mix of epithelial and sarcomatoid)
• Desoplastic (a variation of the sarcomatoid variety)

Cellular structure is determined by an actual visual examination of the cells under a microscope.

About Sarcomatoid Mesothelioma

Sarcomatoid mesothelioma accounts for approximately 10 to 15 percent of all diagnoses. The mesothelioma cell types in this case are elongated and spindle-shaped, and are arranged in a rather haphazard way. Sarcomatoid cells also lack a nucleus, unlike epithelioid cells, which have clearly visible nuclei.

The desoplastic variety of sarcomatoid mesothelioma is difficult to distinguish from healthy tissue in many cases, making an accurate mesothelioma diagnosis challenging.

Diagnosis

Once mesothelioma symptoms have been cataloged and a history of asbestos exposure determined, the next step is to look inside the body - initially with x-rays, followed up by more sophisticated imaging such as CT scans or MRIs. If these images reveal serious abnormalities, a biopsy (tissue samples) will be ordered. These are examined and analyzed at a lab, which usually confirms or contradicts the diagnosis.

When it comes to the sarcomatoid mesothelioma, traditional methods of biopsy pose additional challenges; the normal "needle core" method often results in false information, as sarcomatoid cells are often similar in appearance to benign fibrous tissue. Additionally, histological methods of diagnosis often make it difficult to distinguish between sarcomatoid mesothelioma and other types of unrelated sarcomatoid cancers.

A precise and accurate diagnosis is vital, because a misdiagnosis can lead to an inappropriate course of mesothelioma treatment being prescribed; it is a good idea to get a second and even a third opinion if mesothelioma is suspected.

Treatment Options

Although the details will differ depending on the individual case, all forms of cancer are treated through some combination of surgery, radiation therapy, and chemotherapy. How these are administered depends on the location and stage of the cancer.

Unfortunately, sarcomatoid mesothelioma is notoriously resistant to treatment, and the mesothelioma prognosis is not good. The average mesothelioma survival rate between diagnosis and death is seven months.

Costs Associated with treating Sarcomatoid Mesothelioma

The out of pocket costs associated with sarcomatoid mesothelioma treatment can be significant. If you or a loved one has been diagnosed, you should strongly consider taking steps to help offset this potential financial burden. Some insurance companies may not completely cover the cost of diagnostic tests, clinical trials or other alternative treatments. Learn more about the financial assistance that is available to you including mesothelioma trust funds and other grants to cover expenses. You may also have legal rights to compensation from asbestos companies liable for your exposure to asbestos.

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Pleural Mesothelioma, A rare form of cancer

Plural Mesothelioma :

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Pleural mesothelioma is a rare cancer often diagnosed in people who have been exposed to high levels of asbestos. The malignancy affects the pleura, a thin membrane of lubricating cells that lines the lungs and chest wall.

It sometimes takes ten years or more for changes to appear that are indicative of pleural disease, and even longer for symptoms to manifest. These differences can include a thickening or calcification of the pleural lining—a condition commonly diagnosed as pleural plaques. Conditions like pleural calcification or the development of pleural plaques often serve as precursors to mesothelioma.
Pleural mesothelioma accounts for about 75 percent of all mesothelioma cases. Like other types of mesothelioma, this particular form of the disease gets its name because of where it is formed — in the pleura, a soft tissue that surrounds the lungs. In almost all cases, pleural mesothelioma is caused by asbestos exposure.

The first symptoms of pleural mesothelioma typically include chest pain and shortness of breath. You may experience no symptoms at all in the first few stages of the cancer’s progression.

The life expectancy of someone with pleural mesothelioma is less than 18 months, but some patients live much longer. It often takes decades (20 to 50 years) for mesothelioma to develop after someone is first exposed to asbestos. This lag time — called a latency period — explains why the disease usually affects older people.

In most instances, pleural disease is not considered fatal but it can cause diminished lung function and may confirm that a person has sustained significant asbestos exposure. Patients diagnosed with pleural conditions are generally considered to be at a higher risk for developing the more severe pleural mesothelioma.
Pleural mesothelioma originates in the pleura but can quickly spread to the outer chest wall, abdomen, and heart. Pleural mesothelioma is typically fatal within one year of diagnosis. However, understanding and recognizing key risk factors, like asbestos exposure, will typically lead to early detection of the cancer. Those individuals who are fortunate to receive an early diagnosis are likely to be more eligible for life-sustaining treatments such as surgical resection of the cancer. This type of treatment can extend a patient’s life years beyond that of a typical mesothelioma patient.

While there is no cure for pleural mesothelioma, treatment options do exist for this type of cancer. There are ways for patients to control the disease through tumor management including traditional radiation and chemotherapy methods. These methods can ease symptoms of the disease and make a patient more comfortable. In patients where a diagnosis is made of early stage disease, mesothelioma surgery can extend the survival rate far beyond previous levels in untreated disease.

Mesothelioma Symptoms:
Symptoms of pleural mesothelioma include persistent dry or raspy cough, coughing up blood (hemoptysis), shortness of breath (dyspnea), and difficulty swallowing (dysphagia). There are four stages of mesothelioma that doctors use to describe how far the cancer has progressed. For many people, unfortunately, symptoms are not noticeable until the cancer is in a later stage — stage III or IV.
Pleural mesothelioma is known only be caused by exposure to asbestos. Asbestos is a naturally occurring and microscopic mineral that was used for hundreds of years in a number of different industrial compounds. Asbestos fibers are extremely durable, but also extremely difficult to expel from the body once introduced to the internal tissue.

Upon inhalation, asbestos fibers will lodge on the outer layers of the lung tissue and within the pleura, a thin membrane of mesothelial cells which lines the chest cavity. This lining allows for the free movement of the body’s internal body structures because it provides a special lubrication to the surface of these structures. The pleura, like other mesothelial membranes, is a delicate structure and microscopic asbestos fibers can cause pleural plaques to form on its surface. Pleural plaques may eventually develop into pleural mesothelioma tumor cells. Generally, it takes many years between asbestos exposure and the development of adverse health complications, as the fibers will slowly irritate and inflame the internal tissue over time until symptoms appear.

Asbestos fibers can cause excess fluid to build up between the two layers of the pleura, a condition called pleural effusion. While a little fluid in your pleural space is important, too much can make breathing difficult. The extra fluid puts pressure on the lungs, causing chest pain that gets worse when you cough or take deep breaths.

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Selecting A Mesothelioma And Asbestos Lawyer

Finding A Mesothelioma And Asbestos Attorney To Meet Your Needs

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When you or a loved one has been diagnosed with an asbestos-related injury such as mesothelioma, it may be the first time you have ever considered hiring an attorney. Choosing the right mesothelioma and asbestos lawyer can give you peace of mind during the difficult times of medical treatments, bills and other stressful events.

California mesothelioma lawyer who handle asbestos claims vary widely in their approaches. Many attorneys will offer an initial consultation after which they will be able to evaluate the strength of a case. While this prescreening is often done over the phone, an in-person consult is important and useful as it will enable you to get to know the lawyer, the firm, the types of resources the firm has and how it is likely to handle your asbestos-related disease case.

Key Points To Consider When Choosing A Mesothelioma And Asbestos Attorney

Will the firm handle all aspects of your case? It is important to ensure that your prospective attorney will actually file your case and not simply send it off to some other law firm. At Brayton Purcell LLP, we will keep your case, work up your case, and handle any settlement or litigation. We are NOT a referral firm like many of the mesothelioma ad firms you see on TV.

Get the information you desire: An initial consultation with a prospective attorney should be informative — ask frank questions.

Seek legal advice as soon as possible: Contacting an attorney as soon as you have been diagnosed with an asbestos-related disease or when you know that you have been exposed to asbestos can help preserve a wide range of legal options.

Does the firm have experience with these types of cases? Make sure your prospective attorney has experience in taking asbestos or mesothelioma cases to trial.

Does the firm have the proper resources? Your prospective attorney should have the information and resources needed to help you prove your asbestos claim.

When Should I Contact A Lawyer Regarding Asbestos Exposure?

This question is a particularly important in cases involving toxic substances. Unlike a car wreck, for example, where injuries are often readily apparent, the symptoms of asbestos-related diseases may take decades to develop. Cancers such as mesothelioma may not develop until five to 70 years after the initial exposure.

Asbestos fibers are microscopic and dangerous levels of dust are often not recognizable to the person working with or around asbestos, the person who washes the clothing of a loved one who has worked near other workers using asbestos containing products, but did not himself work directly with asbestos containing products.  Due to their microscopic and invasive nature, harmful exposure to asbestos fibers may occur without a person ever knowing it.

For both legal and medical reasons, as soon as you are aware that you were exposed to products containing asbestos and may be at risk of developing a serious disease, you should consult an experienced lawyer to determine what your legal rights are, and when and how they should best be protected.

Settlement Or Trial? Why Experience Matters.

While we always try to settle our cases for an appropriate amount without the risk and expense of trial, we strongly believe that the best asbestos trial lawyers achieve the best results. Defendants and their attorneys respect and regularly evaluate the trial skills of a plaintiff's lawyer when deciding how to respond to a lawsuit. When defendants know that they are dealing with an experienced mesothelioma attorney who is able to efficiently try a case and obtain a verdict, they are much more likely to be engaged in settlement negotiations.

Lawsuits involving asbestos exposure benefit from a law firm that has experience with jury trials, an understanding of construction and building practices, and keeps up to date with cutting-edge medical science. When it comes time to choosing legal counsel, your attorney of choice should not only have a proven track record in mesothelioma and asbestos litigation, settlement and trials, but he or she should also have a substantial commitment to asbestos and mesothelioma cases as an integral part of his or her practice.

What Is Our Track Record In Mesothelioma And Asbestos Cases?

Our trial california mesothelioma lawyer and attorneys have achieved some of the largest verdicts ever handed down in California in an asbestos case — over $70 million to a retired U.S. Navy machinist's mate suffering from mesothelioma and over $41 million to a retired California plumber also suffering from mesothelioma. We have also obtained the largest asbestos rewards inOregon for asbestosis and Washington for mesothelioma. In Utah, we obtained the only asbestos verdict ever handed down — a $5.2 million verdict for a woman suffering from peritoneal mesothelioma.

While we cannot guarantee the outcome of any case, our attorneys vigorously fight for the rights of our clients. See our record of court successes for a more detailed list of verdicts involving mesothelioma, lung cancer, asbestosis and other personal injury claims. We try more asbestos cases than any other plaintiffs firm.

Putting Our Resources To Work

Our legal team has created an extensive computer database of information on asbestos products and manufacturers from around the world. This massive collection runs in excess of 34,000 lineal feet, over 10,000 volumes of depositions and transcripts, and more than 6 million pages of data on asbestos work site conditions, asbestos product identification and other information necessary to maximize the value of a mesothelioma, asbestos-related lung cancer, asbestosis or other asbestos-related disease case.

We are able to cross-reference the specifics of a client's mesothelioma or asbestos case with this invaluable evidence previously identified in thousands of cases. This unique ability ensures that your case will be built upon the strongest evidence available to help you achieve the best possible results.

Contact The Lawyers At Brayton Purcell LLP

We would be pleased if you would consider our attorneys when making a decision on whom to hire for your asbestos disease lawsuit. Please don't be fooled into hiring a so-called "mesothelioma firm" from a television commercial. Most of those "firms" are little more than referral services. To find out how we can help you, contact us online or through our main offices in California, Oregon and Utah. We handle mesothelioma and asbestos cases in California, Washington, Oregon, Nevada, Utah, Oklahoma, Iowa, and throughout the nation, associating with high-quality local counsel when necessary.

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Common Treatments for Mesothelioma Cancer

Common Treatments :

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There are four types of treatment of Mesothelioma cancer.

• Mesothelioma Surgery

• Chemotherapy

• Radiation Therapy

• Multi-modal Therapy

Surgery : 

If your cancer is relatively contained in the lining around the lungs or the abdomen, you may be eligible for aggressive surgery. This option can be potentially curative. In addition to an aggressive surgery, you may be given some type of radiation and chemotherapy with the goal of killing the cancer cells that are left behind after surgery.

There also are less traumatic and more palliative surgeries available. Often these are used if you are not healthy enough to withstand the strain of a major surgery, or if the cancer already has spread. The goal of these surgeries is to relieve some of your symptoms and help you to feel better. You may also have chemotherapy and radiation before or after these surgeries.

Chemotherapy :

Chemotherapy is used in treating most types of cancer, including mesothelioma. Chemotherapy drugs, which are usually delivered by an IV into a vein in your arm, are designed to kill cancer cells.

The most common and most successful chemotherapy drugs for someone with mesothelioma are cisplatin and pemetrexed. A milder chemotherapy cocktail that uses pemetrexed with carboplatin often achieves the same results but with fewer side effects.

If you have peritoneal mesothelioma, your doctor may suggest a multimodal treatment called heated intraperitoneal chemotherapy (HIPEC). Also known as heated chemotherapy, this therapy is given immediately after surgery to help kill off the microscopic cancer cells that surgeons unavoidably miss. In one study involving more than 400 peritoneal patients, overall median survival after HIPEC extended beyond four years.

Because chemotherapy drugs affect cancer cells as well as healthy cells, you may feel worse after treatment. This is why some patients choose not to have chemotherapy. For many people, however, this feeling and other negative side effects wear off over time, and they experience notable improvements. A good specialist can help you understand your options.

Radiation Therapy : 

Radiation therapy is noninvasive and uses high-energy rays to target the cancer. It is typically paired with other treatment options to help shrink tumors or manage tumor growth. It doesn't have the strong side effects that chemotherapy does, and it often helps reduce the physical pain of mesothelioma.

However, because radiation can be toxic to various organs, and damages DNA while killing cancer cells, it is used sparingly and only with certain types of mesothelioma. Radiation also can be used in a palliative situation when surgery is no longer an option.

Multimodal Therapy :

While each cancer treatment option may have benefits by itself, cancer specialists often opt for a more effective multimodal approach — a patient-tailored mix of surgery, chemotherapy and radiation. This strategy involves specialists in each field putting together a plan that is right for you.

Some people who try this multi-faceted approach are able to control mesothelioma. The key is involving specialists in each of the fields working together.

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How to waste £10,000 on life cover ?

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Buying a life insurance policy from a bank or building society could mean wasting tens of thousands of pounds. That is because lenders – without telling the customer – add their own markup of as much as 50pc to the price available elsewhere. Even going direct to the insurer will, bizarrely, sometimes end up costing policyholders far more. 

 The difference between the best and worst prices for the same cover, if you add up the premiums over the term of the policy, can run to many thousands of pounds. So where is the best place to buy your policy? There are three main sellers of life insurance policies and other, similar cover, such as critical illness insurance. These are lenders such as a bank or building society, intermediaries such as an adviser or broker and direct from the insurance company. 

Not all insurers sell their products via all three channels, but many do. Most banks and building societies have agreements in place with insurance companies to sell their policies to customers. Many have “single-tie” deals – where they sell products from only one insurance company. The UK Life Insurance investigated the cost of Legal & General policies, which are sold under single-tie deals by Nationwide Building Society and Yorkshire Building Society, and Aviva policies, which are sold under a single-tie deal by Tesco Bank.

 These companies were chosen because they all offer online quotes for life and critical illness products. We obtained quotes for a 30-year-old and a 40-year-old man for £250,000 worth of life and critical illness insurance, lasting 25 years, from the lenders and direct from the insurers. We also requested quotes from a financial adviser, Alan Lakey of Highclere Financial Services, for exactly the same policies. The results show that in many cases the lenders and even the insurers themselves charge far more than intermediaries for exactly the same life and critical illness policies. 

For example, a “decreasing-term” (explained below) life insurance policy for £250,000 will cost a 30-year-old male smoker £15.65 a month through an adviser. Legal & General and Nationwide charge £18 a month, while Yorkshire charges £23.66 – a staggering 51pc more than an adviser for exactly the same cover. That works out at an extra £2,403 over the 25-year term of the policy. A “level-term” life and critical illness policy for £250,000 from Legal & General will cost a 30-year-old male smoker £90.36 a month when bought through an adviser. But if the policyholder was sold the same cover in a branch of Nationwide, he would pay around £95. 

 Yorkshire charges its customers £120.55 a month for the policy – 33pc more than an adviser. That’s an extra £9,057 over the 25 years. Insurers and the lenders struggled to explain the extent of the markup. When The Sunday Telegraph asked the Yorkshire why its members were being required to pay such a high price for the cover, a spokesman deflected the question, but said: “We continually strive to ensure that all our products, including those we offer through third parties, provide the best overall value for our customers.” Guy Simmonds, head of protection and investment products at Nationwide Building Society, said the extra cost was down to advice given to the customers by salesmen in branches. 

He said: “Nationwide offers high-quality protection, backed by face-to-face advice available nationally on the high street, at the same price as is available directly from the insurer. Seeking advice, particularly given the need for correct disclosure and completion of forms, is very important when it comes to ensuring customers gain the protection cover they require.” That raises the question of quite why the cover costs so much when bought directly from Legal & General, where no advice is automatically given. 

Again, there was no clear answer. A Legal & General spokesman said: “We would encourage people to understand what they are buying, if they want advice or not and to shop around. As with any other industry, it makes sense to do this, both on the high street and online, to get the best price and level of cover that meets the customer’s needs. The cheapest price does not always mean the best level of cover or service.” Other insurers’ products are also priced in the same, confusing way. Tesco sells Aviva life and critical illness policies rebranded as Tesco Bank policies. 

Tesco charges more than an intermediary such as a broker for an identical policy, but Aviva charges the most for its own products by a considerable margin. For example, a level-term life assurance policy for £250,000 would cost a 40-year-old male non-smoker £23.08 through an adviser, £29.85 through Tesco Bank and £35.30 if bought directly from Aviva. That is a difference of 53pc between the lowest and highest prices, which adds up to an extra £3,465 over the term. 

 Tom Allen, head of protection pricing at Aviva, said the insurer’s prices reflected the cost of distributing the products to its customers. He said Aviva was comfortable selling its products at a higher price than other distributors because some customers valued convenience and direct access to the brand over price. Customers who have bought expensive life and critical illness cover are not stuck with their existing policies. It is possible for many policyholders to switch to new cover that could offer better protection for less. 

But not everyone is able to do this: if your heath has deteriorated, you have taken up smoking or your circumstances have changed in some other way, you may no longer qualify for the same cover. Mr Lakey said: “Your bank or building society, or even your insurer, will not necessarily give you the best deal. 

In many instances, people who have an existing policy will be able to switch to a better-quality policy for a lower premium. This is particularly true for people who bought their policy before 2010 because policies have improved significantly since then. “It is important to check the premium you are paying to see whether there is a better deal available on the market.” Term cover – how it works Life insurance is often sold alongside a mortgage, which is why banks and building societies are so well placed to offer it. “Whole-of-life” cover pays out whenever you die but is more costly. 

Term cover, which is more common and cheaper, pays a set sum on the death of the policyholder if it occurs within a fixed period, say 25 years. The term is often linked to the length of the mortgage, typically 25 years. A cheaper form of cover is called “decreasing-term” life assurance. The potential payout on death decreases over time, as the amount owed on the mortgage falls. 

 Borrowers can add critical illness cover to life insurance policies for an additional cost. Critical illness cover pays out if the policyholder suffers from a serious illness or death during the term of the policy. The tax-free lump sum received is often used to pay off a mortgage or other debts or to cover medical or household bills.

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