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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
FACTRORY ORDERS PICK UP Manufacturers have reported the strongest increase in orders in 22 years, helped by the fall in sterling, strong demand in Britain and the global economic recovery. The Confederation of British Industrys latest report shows the highest increase in total orders in frist quarter since April 1995. The sharp pick up was driven prodominantly by export orders, which rose at the fastest pace in six years. Manufacturers are even more optimistic about exports in the future, with predictions for growth at their strongest level in more than two decades. Companies are also hiring more workers to meet the expected demand. More business said that the current levels of stock were inadequate to meet demand than any time since 1988.

RETAIL SALES Growth in retail sales appears to have slowed last month compared with a year earlier, in another sign that the biggest driver of the UK economy is losing steam.The British Retail Consortium and KPMG said the comparable retail sales fell by 1% last month.Helen Dickinson, chief executive of the BRC, said that an early Easter last year caused a slight distortion in the figures and always made spring a tricky period.

CONSUMER CONFIDENCE Consumers have started 2017 with renewed confidence in their personal financial situation but remain concerned about the wider economy, despite record high employment and the UK economy growing faster than any other G7 nation in 2016. The GfK consumer confidence index rose two points in January to reach a balance of -5 having plunged to -12 in July after the Brexit vote.The index was pushed up by confidence in personal finances, with expectations for the year ahead in this rising three points from a balance of zero in December.

HOUSE BUILDING The building industry received its fastest rise in new orders in almost a year in December, even as the fall in sterling drove up the cost of imported materials to the highest level in five and a half years. The purchasing managers index for the construction sector rose to 54.2 last month, up from 52.8 in November, marking the fastest pace of expectation since March. The upbeat outlook from 200 companies in the sector comes after similarly positive stance from the manufacturing industry, where activity rose at the fastest pace in two and a half years according to its PMI survey.