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The pressures on the National Health Service today mean that waiting lists for both minor and major surgery are unacceptably high.

Long gone are the days when the state would look after you if you were ill or have had an accident and could not work.

The chances of you being unable to work through ill health at some stage in your career is much greater than you may think.

The means to opt for immediate private treatment is essential, but is private medical insurance affordable?

Premiums can vary from company to company with very little difference in benefit levels.

ACF will find you the most competitive scheme available that matches your needs and make sure that you continue to get the best advice in the future.

Our advisers can provide advice

  • Identify your personal needs

  • Explain the benefits and limitations of the schemes

  • Explain the claims procedure

  • Explain in detail the recommended scheme

  • Explain that any information about you would be kept securely and in accordance with the Data Protection legislation

Why not call us today on: 01480 471615

you can email us at:

or use our online contact form
SERVICES HELP THE ECONOMY A surprise surge in the services sector has led experts to review their growth forecast, which showed a sharp rise in activity in the services sector, provided "early justification" for the Bank of Englands decision to raise interest rates and suggested that the economy would expand by 0.5% in the final quarter. The survey showed that the overall balance for activity rose to 55.6 in October, up from 53.6 in September and the highest reading since April. Any reading above 50 indicates expansion.

JUMP IN MANUFACTURERING The jump in activity comes from after the PMI surveys for the manufacturing and construction sectors showed an equally impressive performance to services. The surveys painted an unduly optimistic picture at the start of the year, but are still considering one of the best indicators of what official figures will show. The positive performance of all three sectors of the economy has led economists to raise growth forecasts. A quarterly growth tare of 0.5% in the final quarter would mean a steady improvement in GDP growth this year for the UK, which has risen . 0.1% point each quarter from 0.2% at the start of 2017. The economy expanding by 0.5% would also be higher than the Bank of Englands forecast of 0.4%

500,000 UK BUSINESSES IN DISTRESS Nearly half a million British businesses are in "significant financial distress" in what Begbies Traynor described as the calm before the storm. The number of businesses experiencing financial distress had reached "unprecedented" levels over the past 12 months. Many had "overstretched themselves" taking too many risks after being lulled into a false scene of security by the continued low interest rate environment. There were 448,011 businesses across the UK suffering significant financial distress between July and September, an increase of 27% compared with the same period last year, it said. Begbies Traynor defines businesses as having "significant" financial problems if they have minor county court judgments recorded against them, a sign they are struggling to pay bills.

RETAIL SALES FALL SHARPLY British retail sales unexpectedly fell in September, dragging quarterly growth down to its weakest annual rate since 2013, as demand among shoppers wavers in the face of rising prices at the till.Official figures showed that the volume of retail sales in September fell by 0.8% compared with August, below the expectations of a 0.1% fall. This meant that for the third quarter as a whole, retail rose 1.5% compared with the same three months period in 2016, down from 2.5% in the second quarter. This was its its weakest pace in four years.

EMPLOYMENT AT RECORD HIGH Unemployment fell to a 42 year low in the three months to June as the labour market continued to set records in defiance of concerns about Brexit. Although wage growth remained disappointing, extending the squeeze on household incomes for a third month, the employment rate hit a record high.Unemployment has dropped to 4.4%, the lowest since 1975 and below the Bank of Englands estimate of the level at which wage inflation will start to build.