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Have you made your personal peace with the 2009 U.S. Preventative Services Task Force recommendations that annual breast screening should begin at age 50, rather than the previously recommended age of 40? Well, not so fast. Here comes another set of recommendations, this time brought to you by the American College of Obstetricians and Gynecologists (ACOG). The ACOG is recommending that doctors should offer all women in their 40s the chance to get annual mammograms.
The crux of the difference between the two groups recommendations is the age at which annual mammograms should begin - age 40 or age 50? Unlike the ACOG, the USPSTF's recommendations are based upon a broad comprehensive look at the numbers, numbers which clearly fire up emotions when we inevitably associate them with our loved one's. Dr. Michael LeFevre, from the USPSTF, breaks it down like this:
It's about balancing the benefits and the harms of a test. LeFevre explains that of every 1,000 40-year-old women, 30 would be expected to ultimately die of breast cancer if they never had a mammogram. If those 1,000 women are screened every other year between age 50 and 75, (as recommended by USPSTF), that number drops to 23 deaths. Starting screening in the same group at 40 instead would save one additional life, meaning 22 would die of breast cancer, on average.
What if that one additional life is our's!?
Part of the numbers analysis is all those women getting annual mammograms from age 40-50 who are not saved from breast cancer in the process but who potentially suffer through numerous false-positives and painful biopsies, and who potentially increase their risk of developing breast cancer due to the cumulative radiation exposure that comes with an additional 10 years of annual mammograms. Dr. Nancy Snyderman, NBC's chief medical editor, further point outs that because most women's estrogen levels are still fairly high at age 40, their breast tissue is still generally quite dense, making it hard to distinguish irregularities on a mammogram. So are mammograms the best method of monitoring women's breast health before age 5o?
One woman writes into the Today Show's mammogram Q&A section with the following:
"Does anyone else ever look down at their breasts like they are ticking time-bombs?"
That was definitely me prior to my prophylactic double mastectomy. Now I wasn't your "average" woman with an average risk of developing breast cancer, not as a BRCA2 carrier whose grandmother, mother, aunt and sisters had all battled breast cancer. It was upon learning that I was BRCA positive that I finally felt like I had the specifics I needed to make the decision that was best for me. For most women, those at "average" risk of developing breast cancer, there are little or no specifics, just fear. Disagreements between those we look to for guidance just adds to our anxiety.
What do you think about the lack of unity in voice regarding mammogram guidelines? Does it discourage you? Confuse you? Impact your decisions regarding your own breast screening?
Jumat, 13 Januari 2012
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An article published in The Daily Mail on June 14th, 2011 caught my eye. It was entitled "Hypnotism 'speeds up cancer op recovery'." This article went on to discuss the positive results of some recent research conducted by a group of Belgium anesthetists with patients who were undergoing breast cancer surgery.
This is not the first example of such research being carried out, and neither is it the first that has produced positive and powerful results. Hypnosis has been found to aid recovery from many a serious physical ailment or surgical intervention, and many cancer operations thankfully fall into this paradigm.
How can hypnosis help one to recover more quickly from a serious surgical intervention? There are in fact many areas in which hypnosis can assist. The first is that a relaxed patient is inevitably a better patient. The second is that a patient with a positive expectation is also a better patient.
The powerful effect of hypnosis spreads further however then these two basic although hugely important predictive factors. Research has shown time and again that the use of hypnosis can lead to the patient feeling more comfortable throughout the operation, spending less time in the recovery stages, healing and getting back on their feet more quickly.
When you begin to think about it, these effects are potentially quite huge and a patient has absolutely nothing to lose in making the decision to use hypnosis to assist in their surgery. The use of hypnosis is not an either/or choice whereby you give up the chance of an alternative option; rather, it is a complementary treatment that can only enhance other more mainstream forms of assistance. There are no negative side effects, and so it's got to be worth a try.
The more positive you are in using hypnosis, the better the outcome will usually be. As stated before, a willing patient is a better patient and this is equally true of the application of hypnosis as it is of any other type of medical treatment, intervention or therapy.
If hypnosis is a strange or new idea to you in relation to surgery then I suggest keeping an open mind and reading up on the subject. It is also true that a well-informed patient is a better patient!
An article published in The Daily Mail on June 14th, 2011 caught my eye. It was entitled "Hypnotism 'speeds up cancer op recovery'." This article went on to discuss the positive results of some recent research conducted by a group of Belgium anesthetists with patients who were undergoing breast cancer surgery.
This is not the first example of such research being carried out, and neither is it the first that has produced positive and powerful results. Hypnosis has been found to aid recovery from many a serious physical ailment or surgical intervention, and many cancer operations thankfully fall into this paradigm.
How can hypnosis help one to recover more quickly from a serious surgical intervention? There are in fact many areas in which hypnosis can assist. The first is that a relaxed patient is inevitably a better patient. The second is that a patient with a positive expectation is also a better patient.
The powerful effect of hypnosis spreads further however then these two basic although hugely important predictive factors. Research has shown time and again that the use of hypnosis can lead to the patient feeling more comfortable throughout the operation, spending less time in the recovery stages, healing and getting back on their feet more quickly.
When you begin to think about it, these effects are potentially quite huge and a patient has absolutely nothing to lose in making the decision to use hypnosis to assist in their surgery. The use of hypnosis is not an either/or choice whereby you give up the chance of an alternative option; rather, it is a complementary treatment that can only enhance other more mainstream forms of assistance. There are no negative side effects, and so it's got to be worth a try.
The more positive you are in using hypnosis, the better the outcome will usually be. As stated before, a willing patient is a better patient and this is equally true of the application of hypnosis as it is of any other type of medical treatment, intervention or therapy.
If hypnosis is a strange or new idea to you in relation to surgery then I suggest keeping an open mind and reading up on the subject. It is also true that a well-informed patient is a better patient!
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When you receive a cancer diagnosis you're scared! You're so scared! You don't know what to do. You have really smart Dr's who know everything, telling you that you have to do chemo- therapy; surgery, radiation, and you have to do it in a hurry! What do you do? You follow everything they tell you to do like a sheep.
When you get that cancer diagnosis, it is important that you act quickly, but what if you took one week to read a book? What if you took one week to do research on the Internet? I'm going to tell you about the research I did on an alternative treatment called Protocel. Protocel is a brown liquid bio-chemical compound. It is self-administered. You measure ¼ teaspoon in distilled water and drink it every 4-6 hours. It's that simple. It's non-toxic so there are no side effects. It also works on all types of cancer.
To understand how Protocel works, you first need to understand that healthy cells and cancer cells are quite different. Healthy cells are aerobic, which means they use oxygen for their fuel. Cancer cells are anaerobic, which means they use a fermentation type process called glycolysis for their fuel. The fact that cancer cells use fermented glucose for their fuel is cancer cells strength, and it is the reason that cancer cells can become virulent and spread throughout the body.
However, cancer cells do have a weakness. Their weakness is in their ATP or their lack of it. ATP stands for adenosine triphosphate. ATP is where both healthy cells and cancer cells get their electrical energy. Healthy cells have approximately 38 molecules of ATP per cell. Cancer cells only have about 2 molecules of ATP per cell. Protocel works by interfering with the production of ATP in both aerobic healthy cells and anaerobic cancer cells by reducing ATP by about 10-15%. Healthy aerobic cells don't care because they have plenty of ATP to spare, but if you reduce ATP in a cancer cell by 10-15% they begin to fall apart and die.
There are two formulas for Protocel. Protocel 23 and Protocel 50. The type of cancer you have determines which formula works best for your type of cancer.The current cost of Protocel 23 is $160.00 for a 2-month supply, and is taken every 4 hours around the clock. The current cost of Protocel 50 is $179.00 for a 3-month supply, and is taken every 6 hours around the clock.
If you or someone you love has been given a cancer diagnosis, it is important to act quickly, but you do have a small window of time to do some research. Take just one week to read and get informed! Take one week to research Protocel on the Internet, as well as other alternative treatments. Use that week to pray, get informed, and thoughtfully consider using an effective alternative approach. It could save your life!
When you receive a cancer diagnosis you're scared! You're so scared! You don't know what to do. You have really smart Dr's who know everything, telling you that you have to do chemo- therapy; surgery, radiation, and you have to do it in a hurry! What do you do? You follow everything they tell you to do like a sheep.
When you get that cancer diagnosis, it is important that you act quickly, but what if you took one week to read a book? What if you took one week to do research on the Internet? I'm going to tell you about the research I did on an alternative treatment called Protocel. Protocel is a brown liquid bio-chemical compound. It is self-administered. You measure ¼ teaspoon in distilled water and drink it every 4-6 hours. It's that simple. It's non-toxic so there are no side effects. It also works on all types of cancer.
To understand how Protocel works, you first need to understand that healthy cells and cancer cells are quite different. Healthy cells are aerobic, which means they use oxygen for their fuel. Cancer cells are anaerobic, which means they use a fermentation type process called glycolysis for their fuel. The fact that cancer cells use fermented glucose for their fuel is cancer cells strength, and it is the reason that cancer cells can become virulent and spread throughout the body.
However, cancer cells do have a weakness. Their weakness is in their ATP or their lack of it. ATP stands for adenosine triphosphate. ATP is where both healthy cells and cancer cells get their electrical energy. Healthy cells have approximately 38 molecules of ATP per cell. Cancer cells only have about 2 molecules of ATP per cell. Protocel works by interfering with the production of ATP in both aerobic healthy cells and anaerobic cancer cells by reducing ATP by about 10-15%. Healthy aerobic cells don't care because they have plenty of ATP to spare, but if you reduce ATP in a cancer cell by 10-15% they begin to fall apart and die.
There are two formulas for Protocel. Protocel 23 and Protocel 50. The type of cancer you have determines which formula works best for your type of cancer.The current cost of Protocel 23 is $160.00 for a 2-month supply, and is taken every 4 hours around the clock. The current cost of Protocel 50 is $179.00 for a 3-month supply, and is taken every 6 hours around the clock.
If you or someone you love has been given a cancer diagnosis, it is important to act quickly, but you do have a small window of time to do some research. Take just one week to read and get informed! Take one week to research Protocel on the Internet, as well as other alternative treatments. Use that week to pray, get informed, and thoughtfully consider using an effective alternative approach. It could save your life!
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The biggest deterrent to purchasing long term care insurance is the expense. We buy auto insurance and homeowners insurance because we have to. Additionally, since these two types of insurance are mandatory, the government offers some help.
Another reason people are so hesitant to purchase nursing home insurance is the timing. Right when you are hoping to reduce expenses and retire, you are hit with huge premiums. Plus some of us still have children to put through college.
Many would be purchasers also wonder if they will ever actually need the insurance. Though with so many of us living longer than before, the probability that we will need longer term health care insurance is more likely.
The government and insurance companies have both made some changes to try to get reluctant consumers to purchase nursing home insurance. The government instituted the Pension Protection Act of 2006 which says that starting Jan. 1, 2010, you will no longer have to pay federal income tax on annuity proceeds if you use those proceeds to pay for long-term-care coverage.
Insurance companies have begun offering what they call a hybrid policy which is an insurance policy with a extended-care rider. An example would be if you put money ($50,000 is about the minimum) -- into an annuity. Other options are to use an annuity you already own or a whole or universal life insurance policy that you no longer need through what the IRS calls a 1035 exchange.
You pick the amount of extended-term care coverage you want, how long you want the coverage to last and if you want inflation coverage.
Here is a brief explanation of the pros and cons:
Long-term-care annuities have the advantage that if don't use it, you don't lose it. Don't' need the long term care? Use the money for something else.
Extended-care annuities let you build up money tax-deferred. Great if your income is in the upper brackets and you figure you will be in a lower bracket later.
If you are too sick to get a long-term-care insurance policy, you have a better chance with the annuity option because they ask you fewer insurability questions and there are no medical underwriting requirements
The big risk factor sitting out there with extended-care annuities is the length of coverage. If you don't put in enough money, you may out run your funds. Another risk is you will need that money for something else and penalties for early withdrawal are steep.
Another problem is you need a lot of money to even begin with. The annuity needs about $75,000 to $150,00 just to get started. For a conventional policy you make your payment monthly.
Long term care insurance policies and annuities are costly and the language used in writing the policies is complex. Educate yourself by reading a few articles on the topic so that you are familiar with some of the vocabulary and the basic concept. Then talk to an agent your trust and know. They can simplify the jargon and decipher the policy and help you figure out what is best for you.
The biggest deterrent to purchasing long term care insurance is the expense. We buy auto insurance and homeowners insurance because we have to. Additionally, since these two types of insurance are mandatory, the government offers some help.
Another reason people are so hesitant to purchase nursing home insurance is the timing. Right when you are hoping to reduce expenses and retire, you are hit with huge premiums. Plus some of us still have children to put through college.
Many would be purchasers also wonder if they will ever actually need the insurance. Though with so many of us living longer than before, the probability that we will need longer term health care insurance is more likely.
The government and insurance companies have both made some changes to try to get reluctant consumers to purchase nursing home insurance. The government instituted the Pension Protection Act of 2006 which says that starting Jan. 1, 2010, you will no longer have to pay federal income tax on annuity proceeds if you use those proceeds to pay for long-term-care coverage.
Insurance companies have begun offering what they call a hybrid policy which is an insurance policy with a extended-care rider. An example would be if you put money ($50,000 is about the minimum) -- into an annuity. Other options are to use an annuity you already own or a whole or universal life insurance policy that you no longer need through what the IRS calls a 1035 exchange.
You pick the amount of extended-term care coverage you want, how long you want the coverage to last and if you want inflation coverage.
Here is a brief explanation of the pros and cons:
Long-term-care annuities have the advantage that if don't use it, you don't lose it. Don't' need the long term care? Use the money for something else.
Extended-care annuities let you build up money tax-deferred. Great if your income is in the upper brackets and you figure you will be in a lower bracket later.
If you are too sick to get a long-term-care insurance policy, you have a better chance with the annuity option because they ask you fewer insurability questions and there are no medical underwriting requirements
The big risk factor sitting out there with extended-care annuities is the length of coverage. If you don't put in enough money, you may out run your funds. Another risk is you will need that money for something else and penalties for early withdrawal are steep.
Another problem is you need a lot of money to even begin with. The annuity needs about $75,000 to $150,00 just to get started. For a conventional policy you make your payment monthly.
Long term care insurance policies and annuities are costly and the language used in writing the policies is complex. Educate yourself by reading a few articles on the topic so that you are familiar with some of the vocabulary and the basic concept. Then talk to an agent your trust and know. They can simplify the jargon and decipher the policy and help you figure out what is best for you.
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Life insurance is very important in every life plan. Getting an insurance policy not only ensures that your family will be taken care of in the event after your death, it will also buy you immeasurable peace of mind today. It is not just important to buy insurance, it is important to buy the right policy; one that reflects your needs well.
The best place to buy life insurance
Life insurance is a very personal purchase. Since each person has different financial needs and health conditions, insurance policies too need to cater to these individual factors. The only way you can get a policy that is just right for you is by shopping around, and getting multiple insurance quotes. However, if this brings you mental images of bustling into hundreds of insurance companies, and scrutinizing their offers, you can relax. These days, multi-carrier life insurance agencies have an online presence. They deal with hundreds of life insurance companies. Through an entirely automated process, they can match your requirements to policies on their database. Shopping around might have taken you months on your own, but with an online multi-carrier website, it would take merely a few minutes and a fraction of the effort. Online multi-carrier websites are the best place to buy insurance.
Benefits of getting multiple life insurance quotes
Getting multiple life insurance quotes has several benefits. Let's list them out:
A local agent generally deals with 4 carriers, and since even a well-meaning agent gets commissions for selling the policies of these carriers, he or she won't sell you other carriers' policies, even if they fit your requirements. There is therefore a huge element of bias involved. One should definitely shop around because like everything else, shopping around gets you the best deals. Comparing a variety of life insurance policies will help you find the one that suits you the most and offers the most benefits at the best price. You can get more coverage for your premiums by comparing quotes.
Life insurance quotes vary from company to company, based on their underwriting process. There are some companies that look upon smoking or other health factors more favorably than others. Further, underwriting guidelines are changed often, and it is impossible to keep track of them on your own. By getting multiple quotes, especially from online quote providers that have a massive database, you will be able to easily locate these policies. Online quote providers connect in real time to life insurance carriers, and therefore the quotes you will receive are true and accurate. All you need to do is be as honest as possible in your online form so that the quotes accurately reflect your condition.
The insurance business is competitive and in order to stay ahead, some companies offer free riders along with their insurance quotes. Getting multiple quotes could put you in touch with these companies and give you the benefit of free riders such as accidental death rider, waiver of premiums, long term care rider, etc that can enhance your policy.
When you seek multiple quotes online, the multi-carrier agency websites also give you comparison charts and complete financial information on the companies linked to those quotes. This will help you make a well-informed choice. Some multi-carrier agencies also offer face-to-face or phone consultations at this stage, to help you decide better.
Life insurance is a vast subject, and studying various quotes gives you the opportunity to know the topic better. Multi-carrier agency websites are a one-stop shop for insurance resources. From deciding on the type of policy to finding out ways to present your best self at a life insurance medical exam, they provide a wealth of information. They also provide the use of free online tools such as life insurance needs calculators and policy review services.
Getting multiple life insurance quotes need not be a time-consuming process
With the presence of several-reputed online insurance quote providers getting multiple quotes is a simple and easy process. It barely takes a few minutes. However, do be cautious, make sure you are always on a BBB-accredited website, to be assured of the site's authenticity. Check if the quotes given to you are from insurance carriers with a good rating, and make sure the ratings are current.
Also, do remember to fill in the quote request form as honestly as possible, so that the quotes you are presented with correctly reflect your life insurance needs. Life insurance is a serious, personal purchase, and the more informed you are, the better your chances are of getting the perfect policy tailored to your needs.
Life insurance is very important in every life plan. Getting an insurance policy not only ensures that your family will be taken care of in the event after your death, it will also buy you immeasurable peace of mind today. It is not just important to buy insurance, it is important to buy the right policy; one that reflects your needs well.
The best place to buy life insurance
Life insurance is a very personal purchase. Since each person has different financial needs and health conditions, insurance policies too need to cater to these individual factors. The only way you can get a policy that is just right for you is by shopping around, and getting multiple insurance quotes. However, if this brings you mental images of bustling into hundreds of insurance companies, and scrutinizing their offers, you can relax. These days, multi-carrier life insurance agencies have an online presence. They deal with hundreds of life insurance companies. Through an entirely automated process, they can match your requirements to policies on their database. Shopping around might have taken you months on your own, but with an online multi-carrier website, it would take merely a few minutes and a fraction of the effort. Online multi-carrier websites are the best place to buy insurance.
Benefits of getting multiple life insurance quotes
Getting multiple life insurance quotes has several benefits. Let's list them out:
A local agent generally deals with 4 carriers, and since even a well-meaning agent gets commissions for selling the policies of these carriers, he or she won't sell you other carriers' policies, even if they fit your requirements. There is therefore a huge element of bias involved. One should definitely shop around because like everything else, shopping around gets you the best deals. Comparing a variety of life insurance policies will help you find the one that suits you the most and offers the most benefits at the best price. You can get more coverage for your premiums by comparing quotes.
Life insurance quotes vary from company to company, based on their underwriting process. There are some companies that look upon smoking or other health factors more favorably than others. Further, underwriting guidelines are changed often, and it is impossible to keep track of them on your own. By getting multiple quotes, especially from online quote providers that have a massive database, you will be able to easily locate these policies. Online quote providers connect in real time to life insurance carriers, and therefore the quotes you will receive are true and accurate. All you need to do is be as honest as possible in your online form so that the quotes accurately reflect your condition.
The insurance business is competitive and in order to stay ahead, some companies offer free riders along with their insurance quotes. Getting multiple quotes could put you in touch with these companies and give you the benefit of free riders such as accidental death rider, waiver of premiums, long term care rider, etc that can enhance your policy.
When you seek multiple quotes online, the multi-carrier agency websites also give you comparison charts and complete financial information on the companies linked to those quotes. This will help you make a well-informed choice. Some multi-carrier agencies also offer face-to-face or phone consultations at this stage, to help you decide better.
Life insurance is a vast subject, and studying various quotes gives you the opportunity to know the topic better. Multi-carrier agency websites are a one-stop shop for insurance resources. From deciding on the type of policy to finding out ways to present your best self at a life insurance medical exam, they provide a wealth of information. They also provide the use of free online tools such as life insurance needs calculators and policy review services.
Getting multiple life insurance quotes need not be a time-consuming process
With the presence of several-reputed online insurance quote providers getting multiple quotes is a simple and easy process. It barely takes a few minutes. However, do be cautious, make sure you are always on a BBB-accredited website, to be assured of the site's authenticity. Check if the quotes given to you are from insurance carriers with a good rating, and make sure the ratings are current.
Also, do remember to fill in the quote request form as honestly as possible, so that the quotes you are presented with correctly reflect your life insurance needs. Life insurance is a serious, personal purchase, and the more informed you are, the better your chances are of getting the perfect policy tailored to your needs.
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When is the right time to buy life insurance? One answer could be right now! Right now is a good time to consider purchasing a life insurance policy. It is a well-known fact that the sooner you purchase a insurance policy, the better chance you have of getting the best rates.
Most young people don't think about death. Neither do they have dependents to worry about if they should die in unforeseeable circumstances. But purchasing a policy when you are young and single could be one of the wisest decisions you make. This age category gets the best preferred rates. Think about it. The younger you are, the healthier you are. If you choose a level term insurance policy, say, for a term of 20 years, premiums remain stable throughout the entire term period. By choosing a large coverage that would cover your future family's needs as well, you would not need to think about life insurance until you are well into your 60s. At this stage in life you may not need insurance at all since all your financial obligations would most likely, be met.
The right time to purchase a life insurance policy would definitely be at every milestone in your life. Marriage is a good time to think about buying a policy, especially if you are starting out with loans and mortgages. Having a life insurance policy in place at this time would certainly not offset the grief of a bereft spouse but it would certainly not compound the grief by overburdening debts that have been left behind.
Another "right" time to buy life insurance would be when you have your first child. You may want to purchase a house or start saving for college education. If the bread earner of the family were to die prematurely, this may affect the financial future of your children. You can still provide for their needs, long after you are gone, through the proceeds of your life policy that your family would receive.
If you are in a high-risk health category or suffer from any medical condition or disease that could grow worse over the years, you should definitely think of insuring yourself at the earliest. Consider purchasing a policy that guarantees you can increase your insurance coverage without having to improve your insurability.
Whether you are healthy and young, or suffer from serious health conditions, if you want to find the best life insurance policy at the most affordable rates, you need to shop around. Going from company to company collecting life insurance quotes is not feasible for most people. A good way to get multiple quotes is through a reliable online life insurance quote provider. Make sure you use one which is accredited by the Better Business Bureau (BBB). Such providers have hundreds of reputed life insurance companies on their databases. They can provide you with instant quotes with credit ratings that you can use for comparative study. Look for free riders as well that could prove useful later on. Quotes are provided free of cost and there is no obligation to purchase. Remember, premiums increase significantly as you age. Buying a insurance policy sooner rather than later is something you should consider now.
When is the right time to buy life insurance? One answer could be right now! Right now is a good time to consider purchasing a life insurance policy. It is a well-known fact that the sooner you purchase a insurance policy, the better chance you have of getting the best rates.
Most young people don't think about death. Neither do they have dependents to worry about if they should die in unforeseeable circumstances. But purchasing a policy when you are young and single could be one of the wisest decisions you make. This age category gets the best preferred rates. Think about it. The younger you are, the healthier you are. If you choose a level term insurance policy, say, for a term of 20 years, premiums remain stable throughout the entire term period. By choosing a large coverage that would cover your future family's needs as well, you would not need to think about life insurance until you are well into your 60s. At this stage in life you may not need insurance at all since all your financial obligations would most likely, be met.
The right time to purchase a life insurance policy would definitely be at every milestone in your life. Marriage is a good time to think about buying a policy, especially if you are starting out with loans and mortgages. Having a life insurance policy in place at this time would certainly not offset the grief of a bereft spouse but it would certainly not compound the grief by overburdening debts that have been left behind.
Another "right" time to buy life insurance would be when you have your first child. You may want to purchase a house or start saving for college education. If the bread earner of the family were to die prematurely, this may affect the financial future of your children. You can still provide for their needs, long after you are gone, through the proceeds of your life policy that your family would receive.
If you are in a high-risk health category or suffer from any medical condition or disease that could grow worse over the years, you should definitely think of insuring yourself at the earliest. Consider purchasing a policy that guarantees you can increase your insurance coverage without having to improve your insurability.
Whether you are healthy and young, or suffer from serious health conditions, if you want to find the best life insurance policy at the most affordable rates, you need to shop around. Going from company to company collecting life insurance quotes is not feasible for most people. A good way to get multiple quotes is through a reliable online life insurance quote provider. Make sure you use one which is accredited by the Better Business Bureau (BBB). Such providers have hundreds of reputed life insurance companies on their databases. They can provide you with instant quotes with credit ratings that you can use for comparative study. Look for free riders as well that could prove useful later on. Quotes are provided free of cost and there is no obligation to purchase. Remember, premiums increase significantly as you age. Buying a insurance policy sooner rather than later is something you should consider now.
http://feeds.feedburner.com/AwesomeInsuranceGuideWebsite?format=xml
Insurance companies are regulated both by the federal government and the state government. These regulations are designed to protect the integrity of a company as well as consumer rights.
Regulation 60 is a consumer protection law in the State of New York that pertains to the replacement of life insurance and annuity contracts. Regulation 60 requires that insurance companies give out specific information and disclosure to consumers wanting to replace their existing policy with a new one.
Agents are required to submit a "Definition of Replacement" form for every life insurance or life annuity sale. When a replacement is proposed that would cause the buyer to surrender, lapse or change the status of an existing policy, the replacing company must prepare a comparative analysis of the existing and proposed life policies for the buyer. The process usually takes about three weeks. The agent and policy holder must review the form and both parties must sign the disclosure to verify that all parties have understood the requirements and have signed off in agreement.
Regulation 60 Protects Consumers
The main goal of Regulation 60 is to make sure consumers understand why they are replacing their existing policy for a new one. Life insurance jargon is, typically, difficult for the average consumer to understand. Regulation 60 enables consumers to make a side-by-side comparative study of the features of the existing insurance product against the features of the proposed policy, in a format that is easy to read and understand. Regulation 60 includes projections and additional disclosures that include the main reason why the policy is being replaced and why the existing policy does not meet the applicant's needs.
With recent cases of abuse of investors' interest being reported, Regulation 60 protects buyers from making an unwise decision choice. It protects the consumer from misrepresentation of a policy, misleading sale tactics, ambiguous terms, and falsified comparisons. Regulation 60 forces insurers to inform their clients about the pros and cons of a life policy so that consumers are able to make an informed decision.
Before You Replace Your Old Life Insurance Policy
While it is good to review your life insurance policy periodically, frequent changing of insurance policies is not usually recommended since insurance products incur heavy upfront expenses. Very often, your existing insurance carrier may be able to incorporate the changes you desire into your existing contract. In any case, you should consult your tax advisor to check if there are any unfavorable implications associated with the replacing of your existing life insurance policy with a new one.
Get Great Life Insurance Quotes Online and Compare
With that said, there are may be insurance products that can offer you significantly better benefits than your existing policy. With online life insurance quote providers, you can easily check out multiple insurance quotes from the best insurance carriers, for free and without any obligations. Comparative studies make it easier for you to review product features and make an informed decision.
Replacing your existing life policy with a new one may be a good decision, or it may be a bad one. Make sure you understand the facts and study carefully the disclosure statement to comprehend the advantages and the disadvantages a change in policy would entail.
Insurance companies are regulated both by the federal government and the state government. These regulations are designed to protect the integrity of a company as well as consumer rights.
Regulation 60 is a consumer protection law in the State of New York that pertains to the replacement of life insurance and annuity contracts. Regulation 60 requires that insurance companies give out specific information and disclosure to consumers wanting to replace their existing policy with a new one.
Agents are required to submit a "Definition of Replacement" form for every life insurance or life annuity sale. When a replacement is proposed that would cause the buyer to surrender, lapse or change the status of an existing policy, the replacing company must prepare a comparative analysis of the existing and proposed life policies for the buyer. The process usually takes about three weeks. The agent and policy holder must review the form and both parties must sign the disclosure to verify that all parties have understood the requirements and have signed off in agreement.
Regulation 60 Protects Consumers
The main goal of Regulation 60 is to make sure consumers understand why they are replacing their existing policy for a new one. Life insurance jargon is, typically, difficult for the average consumer to understand. Regulation 60 enables consumers to make a side-by-side comparative study of the features of the existing insurance product against the features of the proposed policy, in a format that is easy to read and understand. Regulation 60 includes projections and additional disclosures that include the main reason why the policy is being replaced and why the existing policy does not meet the applicant's needs.
With recent cases of abuse of investors' interest being reported, Regulation 60 protects buyers from making an unwise decision choice. It protects the consumer from misrepresentation of a policy, misleading sale tactics, ambiguous terms, and falsified comparisons. Regulation 60 forces insurers to inform their clients about the pros and cons of a life policy so that consumers are able to make an informed decision.
Before You Replace Your Old Life Insurance Policy
While it is good to review your life insurance policy periodically, frequent changing of insurance policies is not usually recommended since insurance products incur heavy upfront expenses. Very often, your existing insurance carrier may be able to incorporate the changes you desire into your existing contract. In any case, you should consult your tax advisor to check if there are any unfavorable implications associated with the replacing of your existing life insurance policy with a new one.
Get Great Life Insurance Quotes Online and Compare
With that said, there are may be insurance products that can offer you significantly better benefits than your existing policy. With online life insurance quote providers, you can easily check out multiple insurance quotes from the best insurance carriers, for free and without any obligations. Comparative studies make it easier for you to review product features and make an informed decision.
Replacing your existing life policy with a new one may be a good decision, or it may be a bad one. Make sure you understand the facts and study carefully the disclosure statement to comprehend the advantages and the disadvantages a change in policy would entail.
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