Monday, March 12, 2012

What is Life Insurance - FAQ (Frequently Asked Questions)

1: Who should take Life Insurance

A Life Insurance is a way to replace your or your spouse income in case of death.

It means if your current gross annual income is fifty thousand. Then your insurance should be able to provide the same income to your beneficiaries.

2.How much life insurance I need.

As mentioned earlier it should be enough to replace your current income.

For example if your current income is $50,000 then you should take insurance of about

$50000 x 10= 500000 .

Why to multiply by 10.

The logic is if your beneficiary invest $500,000 and they get at least 10% per annum on that.

Then they will have at least annual $50,000 income.

3.How many type of life Insurance are there.

There are 3 type of life insurance policies

1:Term Insurance 2: Whole life Insurance 3: Universal Life Insurance.

4:What is the Difference between these 3 Type of Insurance.

Term Life Insurance

One of the most common types of insurance offered by companies is term insurance, often called pure insurance.With this type of coverage a persons buys a policy for a specified monthly premium with the insurance available for a set time, or term, and usually only pays out upon the death of the insured and accumulates no cash value.

This is the Lowest cost Insurance,But it serves the purpose well,because due to lower cost,everybody afford it and is able to insured to the full insured amount needed.

Whole Life Insurance.

Apart from having the life insured part,in whole life there is also a investment part which gives this policy cash surrender value.

This is the most expensive insurance.

Universal Life Insurance

Like Whole policy it has cash surrender value.Also the cash value available with a universal insurance policy can also be used to make the premium payments on the policy.

5:What are some of the disadvantages of different type of insurance.

Personally I believe that the purpose of any insurance is to replace your income in case of your death.It should not mix with your financial goals.

If you want to have some income from your financial investment,then you should open a separate investment account.

Attaching investment portion to the insurance policy make it very expensive resulting in people under insuring themselves.

Secondly insurance companies usually pay very less on investment portion earning.So this is the disadvantage of having a whole Insurance.

So personally I recommend Term Insurance.

There are some disadvantages of term insurance also.

If you miss few premium payments your policy will be canceled and in order to reinstate it,you will have to go through medical exam. Now if you took the policy when you didn't have any medical condition to now when you have some medical problems then may be you will be refused future coverage or if allowed it will be very expensive due to the present medical conditions and your increased age.

Taking a Life Insurance is a very important decision.You should consult a reputable financial Planner or a Insurance broker, before buying the policy.

By Sid Ahmad
Sid Ahmad is a financial Planner.
For more information visit his Blog on Insurance

What Types Of Florida Health Insurance Are Best?

Packaged Long Term Care Policies

A majority of Long Term Care Insurance policies are sold as comprehensive and stand alone health plans. These plans have options of annual, semi-annual, quarterly or even monthly premiums. There are also other types of payments like an abbreviated payment plan. The comprehensive Long Term Care Insurance plan is similar to the group health plan or individual health plan. This type of plan covers most of the health care alternatives. There are four primary methods to package Long Term Care Insurance.

1. The Long Term Care Insurance may be packaged with life insurance with either or feature which is very beneficial and flexible. In case of policy holder dies, their beneficiary will get the death benefit. While in case of policy holder wants Long term care, prior to his/her death than instead of life insurance predetermined benefits are paid. You can buy this type of policy by either paying the one time premium of $ 50,000 or more or with quarterly, yearly premiums.

2. The Long Term Care Insurance is packaged as rider to life insurance policy's cash value. This type of policy covers two different types and the premiums are also divided to pay for both.

3. The Long Term Care Insurance may be packaged with disability income policy. It can be used before the age of 65years. This type of packaged policy is mainly for disability income but there are possibilities of long term coverage if premiums are paid after the age of 65.

4. The Long Term Care Insurance may be packaged with deferred annuity that has single premium option. This type of packaged policy is for those people who has around $ 50.000 or more money that is free and don't mind if it is tied up.

There is pending legislation which if passed will make Long Term Care Insurance premiums exempted form tax.

What is Long term care?

The Long term care may be defined as when some one can not perform their emotional or physical needs without the help of other for extended time period than it is termed as Long term care. The external help required for activities like pain management, bathing, comfort and assurance, walking, toilet usage, meals providing, feeding, money management, phone answering, visiting doctor, shopping, taking medication, transport providing, laundry, grooming, paying bill, letter writings, small home repairs, yard maintaining, snow removing etc. are covered under Long term care. Able people take this type of activities for granted.

There are many reasons that are responsible for Long term care like disability, terminal condition, injury, illness, old age etc. It is found out that around 60 percentage of population require extended help during their life span. For some, the Long term care lasts for few days or weeks or months. But there are some persons for whom the Long term care goes for years. Depending upon the person's condition they require different periods of care. The care may be divided in to two broad categories.

Ongoing Long term care: This type of care requirement is for extended period, may be for months or years. Ongoing Long term care is required when

1. Disabilities of permanent nature

2. medical conditions which are chronic

3. Daily routine require help

4. chronic pain

Temporary Long term care: This type of care requirement is for short period, may be only weeks or months. Temporary Long term care is required when

1. recovering from illness

2. Recovering from surgery

3. Recovering from injury

4. Terminal medical condition

5. Hospital stay for rehabilitation

The Long term care services may be given in an adult day servicing home, in the house of the patient, even in the house of patient's friends or any of the family member's house, in a board and care house or in a nursing home or many other such places.

Understanding Long Term Care Insurance benefits

Out of all insurance products the Long term care insurance is the most complicated health benefit product. The Long term care insurance provides around 16 options of different benefits. Out of this 16 options each option also offer 2 to 5 selections. The story does not end here, daily benefits gives other selections which may be rounded up to 30 in number. So theoretically there are hundreds or thousands of different policies possible in the same plan. With the results there is thousands of premiums combination. For lay man to grasp all this different combination of policy is very difficult.

So to make this thing simple, best way is to limit the choices. For example many employer will pre select only 2 to 4 different combination of benefit, and offer their employees only this with extra riders like inflation protection, shortened pay or non forfeiture. This procedure will leave thousands of options in to only 10 to 20. Many see advantages of this procedure but there are also some disadvantages.

Selecting from very limited options prevents many employees from selecting other batter and richer benefit plans. Some time it is also observed that limited number of benefits which is often proved to be inadequate. The obvious danger of offering limited benefit policy is employees may be under the false impression that they are covered for particular thing when actually they are not covered. For example to increase the employees' participation rate they are offered incomplete protections which reduce the rate of premiums and superficially look very attractive. Some time initial payment may be lower but it increases as time passes.

It is always better to select a Long term care insurance plan that offers the option of additional benefits. These additional options are mostly medically under written, but the coverage is very broad. Contrary to belief that underwriting has very strict rules and it is very difficult to be eligible, around 95 % of employees are qualifies for medically underwritten Long term care insurance plan.

Health Savings Accounts (HSA)

The Health Savings Accounts (HSA) is some what new in to the market of health insurance. Health Savings Accounts is based on entirely new concept and provide people with great option for health care insurance.

You should consider buying Health Savings Accounts insurance when you are seriously thinking health insurance as a form of investment. There are some restriction and regulations regarding Health Savings Accounts insurance plan. Different person find different benefits that is useful for them, for example if you are self employed than Health Savings Accounts insurance plan offer you the benefit like exemption from tax, up to the limit of $ 2,700 for individual plan and up to $ 5,450 for family plan.

For childless couple who does not own any health insurance, Health Savings Accounts insurance is good health plan, since purchasing Health Savings Accounts insurance and paying premiums regularly the amount of premiums will be accumulated in to tax free money. This money will be like lottery when after substantial time policy holder becomes old and their children becomes young. Large sum of money they will receive when they are old is really blessings.

Apart from many benefits, Health Savings Accounts insurance is not as famous as required. There are certain disadvantages which make Health Savings Accounts insurance good for certain types of people. Many people will benefit from Health Savings Accounts insurance but they don't know about it. Slowly the situation is improving and people stated inquiring about Health Savings Accounts insurance. People become more aware about the savings on their expanses which is medical related. There are many people who opt for high deductible health plan combine with Health Savings Accounts. Now it is generally known that Health Savings Accounts insurance allow people to keep aside before-tax money, which can be utilize for future medical expenditure. This means that if people has Health Savings Accounts insurance and remains healthy than they may accumulate hundreds or thousands of dollar in their Health Savings Accounts at the time of retirement.

Florida Health Insurance Health plans can help you!

Your Website - Free Insurance Leads, Free Insurance Clients

Imagine using your insurance website to generate free insurance leads, and free insurance clients. With a few minor changes you will have clients finding your internet site and providing you with insurance leads for free. The magic is making the few changes explain here. Why pay, when you can get the internet to send traffic to your website to start receiving free insurance leads from interested people?

Where are you when no one in the world, outside your close circles, knows that you exist? Certainly lost in the internet twilight zone! The internet is the wizard to magically create miracles and more buying visitors. Therefore you search around for a company that builds websites. Next, you hire a somewhat costly website design firm to create your website to appear on the internet. With their amazing artistic talents your firm's website looks like a true gem.


Your website is only being visited by associates and clients, locating it by your company name. After a year you still do not have many new visitors The website designers only do what you tell them. That is to make a beautiful looking website, and get it posted on the internet. They were not paid to, or lacked the knowledge of making behind the scenes code changes. This pile of the many missing pieces keeping you from becoming a competing force against other websites appearing on the internet. In turn keeping you from getting free insurance leads.


These are suppose to be honest search engine firms. But if they solicited you, automatically you should know making quick money is their incentive. Making your insurance website so that visitors search out your site to buy your product is a lesser priority. The most common scam used is to get your insurance website listed with 1,300 to 3,000 search engines, search directories, meta crawlers, and directory portals.

For a special price today of $287.00 the scam artists are going to get you automatically submit all these directories. When Google controls 60% of traffic, and Yahoo, MSN, and Ask 30%, it means you just got ripped off. It takes them 10 minutes to use a well known program to instantly submit your website to the other directories. To get listed on hundreds of search engines and directories with millions of sites does NOT mean traffic. Please beware of the operators that charge a few hundred to $1,000 to get you a top ten listing on Google.

Here are the 5 Easy to Implement SEARCH OPTIMIZATION MUSTS - FREE

The first two are so simple, yet highly effective techniques that rarely even a SEO PRO uses


Let's say your firm is named, "Jones and Smith Insurance". Your major product sales come from selling Long Term Care Insurance. How in the universe (internet) do expect someone to come to your site interested in purchasing Long Term Care Insurance? Your site domain name is probably, and the title of your insurance website is Jones and Smith Insurance. When it comes to a description of your site, likely none was written.

Unless your ego is so bloated, you have to make a decision. Do want your insurance website collecting mold with no visitors? Or would you finally enjoy FREE insurance leads from visitors seeing your insurance website listing and then visiting your website to inquire about buying, TO CORRECT #1. Your top insurance key words MUST be right into your new domain name. Pay $10 to $25 and get a new domain name that sparks up flames. Using gives Google and Yahoo key words to evaluate and list your site above those with domain names using too common keywords. Other example would be word examples like illinois-professional-financial-plans, or chicago-annuity-investment-advisors, or national-individual-major-medical.


Your website title should be no more than 5 or 6 words. The website title should use keywords reflecting what you are selling. Therefore "Individual Long Term Care Insurance Sales", or National individual major medical insurance would be an effective and terrific website title. This notifies Google and Yahoo that you are selling insurance and what type. Information they need to list your site higher than others without a descriptive title.


Here you have 2 to 3 sentences to name your company and what product you are promoting. Find you if you currently even have a description. Hit View on your page header and then select page source, look for this a few lines down. It should read exactly: meta name="description" content=" ". If it is missing, YOU MUST copy and paste it in using your website editor. Again you want to help Google by using key words in your description. Here is as sample for the above insurance website. Put this in between the quote marks. "Jones and Smith Insurance of Boston is top seller of long term care insurance. We ofter a variety of top rated long term care products for people aged 50 and over.


These word phrases are critical guidelines man top search engines view to understand what you are offering. Always use 3 to 4 word combinations and probably six are enough. Hit View on your page header and then select page source, look for this a few lines down. It should read exactly: meta name="keywords" content=" ". If it is missing, YOU MUST copy and paste it in using your website editor. For the above website, put in between the blanks something like - long term care insurance, Chicago ltc insurance policies, best long term care,senior insurance coverage, Chicago senior income protection, senior ltc insurance


Remove all the fancy pictures and designs. If you want to help the search engines, there is only one way to do so. Provide them instead with a 300 or more word description of what insurance products and services that you offer. Make sure you use all of the keyword phrases mentioned above twice in your paragraphs. This is the main page read by internet searches. Your keywords should be the words you want them to type in to visit your site. Long keyword phrases, like those in the example above, are what provide you with phone calls and emails. In other words, free insurance leads by following the simple 5 corrections.

Of 500,000 insurance websites of all varieties, you could certainly climb the ladder in your ranking position. With 12,000,000 pages listed in Google for long term care insurance you certainly have some stiff competition. These 5 rarely used tips, applied as mentioned, alone will move you up. Depending upon your skill, for your detailed search word phrases you can easily end up in the #10 to #100 position.

There are another 2 dozen or so tricks and tips in website optimization to get you where the traffic flows. Applying all might land you that coveted number 1 to 20th position for "long term care insurance". I apply the advice given here and our site is in the top 1st to 18th position on over 200 key phrases for Google. All our internet inquiry leads are FREE. Likewise you should be getting free internet insurance leads and free insurance clients.

Invest in making your internet website produce income back to you.

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon this spring. It is loaded with great insurance marketing and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is []

The 4 Main Types of Mesothelioma - A Closer Look at How They Are Different

Mesothelioma is the general term used for any type of cancer that occurs in the mesothelium, which is the tissue that surrounds one's vital organs. While all forms of mesothelioma are a result of exposure to asbestos, a toxic chemical found in many locations, there is more than one type of this form of cancer.

As the mesothelium tissue can be found in many parts of the body, the cancer that develops in this tissue can also be found in different areas. Accordingly, there are four types of mesothelioma currently recognized by medical professionals: testicular, pericardial, peritoneal, and pleural. These names refer to the area of the body in which the cancer is concentrated.

Testicular Mesothelioma

Testicular refers to the testicles, so this form of mesothelioma affects the tissue found in this part of the male anatomy. This is the least common form of the disease, and as such, there is not a great deal of information available on prevalence statistics or common treatments. There have been less than one hundred cases of this type of mesothelioma reported at this point.

Pericardial Mesothelioma

Also one of the more rare forms of mesothelioma, pericardial mesothelioma affects the mesothelium found around the heart. The symptoms, which include a persistent cough, heart palpitations, shortness of breath, problems breathing, and chest pain, are difficult to differentiate from those of pleural mesothelioma.

Peritoneal Mesothelioma

The peritoneum refers to the lining of the abdominal cavity, which is why the cancer that occurs in this tissue is referred to as peritoneal mesothelioma. This cancer affects the tissues surrounding the organs found in the abdomen, including the stomach and intestines. Peritoneal mesothelioma is more common than either testicular or pericardial mesothelioma, accounting for somewhere between ten and twenty percent of the total number of mesothelioma cases reported. Some symptoms of this form of cancer include pain or swelling in the abdomen, bowel issues, anemia, problems breathing, nausea, blood clotting, loss of appetite, vomiting, and chest pains.

Pleural Mesothelioma

Approximately three quarters of all mesothelioma cases are pleural mesothelioma, making this the most common type of the disease. This type of cancer is concentrated in the tissues around the lungs and those that line the cavity in which the lungs are located. Patients with pleural mesothelioma notice symptoms because fluid builds up between the wall of the chest cavity and the lungs, which makes it harder for the lungs to function properly. Common symptoms of pleural mesothelioma include finding it hard to breath, pains in the chest area, and a persistent cough.

Each of these four types of mesothelioma is a serious condition. If you or someone you care about may have any form of this cancer, it is important to seek qualified legal advice from mesothelioma attorneys who have experience in this complex area of the law.

Why You Have to Take Car Insurance?

Automobile insurance is a mandatory requirement for all those who wish to drive a vehicle. Safe driving and safer roads are the main purpose of the law and people with clean driving records will find affordable vehicle insurance much more easily. It is a competitive business. You want an insurance company that offers affordable insurance yet offers the best coverage.

Online insurance offers you the same comfort of knowing that you are protected as old fashioned car insurance. By putting insurance online, it now becomes more convenient for you. Online quotes are available to UK drivers who want to know the cost of insuring themselves and a car. Searching online for quotes is a lot simpler and quicker than calling providers individually, as it usually takes the completion of just one form to receive quotes from numerous providers, both insurers and brokers.

Depending on your deductible, discounts and other variables, you could end up paying more in the end. This is especially true if you are involved in an accident. Depending on the coverage chosen, a insurance policy may apply only to the damage sustained by another driver or car, or may also cover insured drivers and their vehicles. Without car insurance, drivers risk fines, ticketing and even jail, depending on the circumstances.

Collision coverage provides cover for direct and accidental damage by your car caused to another vehicle. Thus while buying any quote for insurance instantly, it is important to see that the coverage you select is adequate to provide full cover in the event of an accident, and also adequate to cover others should someone or something got damaged in an accident because of your fault. Collision coverage will pay to repair or replace your vehicle if you are in an accident with another car or an object. Any damage your car incurs that is not the result of a collision is covered by comprehensive.

Drivers with a clean slate are given better deals and families with teen drivers are offered competitive quotes by certain insurance companies. Cheap online car insurance quote makes this an easy task. Driver's education will help lower the student's insurance rate, but more importantly it will have a great impact of the students' understanding of the "techniques of the road" and influence their ability to safely drive an automobile. When requesting an online discount car insurance rate, students should highlight the completion of a driver's education course.

Buying insurance through a cheap online car insurance quote is a right choice, it's very convenience. Information regarding a car insurance quote can be of vital importance to your record of driving and claims. This car insurance quote is important to both sides of any accident or theft of vehicles.

Save time by going online to change address, renew registration, get temporary registration, and get driving records. Obtaining a free car insurance quote is a driver's first step to achieve this financial responsibly. A discount car insurance company will provide some answers and help you ask the right questions in order to find the most appropriate solutions.

Cheaper is determined not only by the price you have to pay, so don't fall easily. Cheap car insurance is the dream for all the drivers driving for the first time. It is very common that the new drivers commit more accidents, as compare to the experienced one.

Teenagers are usually charged with high car insurance rates by most car insurance companies. However, they can still get lower car insurance rates as long as they shop hard enough for cheap teen car insurance. Teenagers can avoid the risks of their cars being stolen or higher cost of repair in case of accidents. Finally, teenagers should concentrate on getting good grades and the right attitude that contribute to lower the car insurance rate.

Fully comprehensive cover is the widest level of cover, which also means that your car insurance quote will be the most expensive you take this type of cover. However, the big advantage is if you have an accident, and it was your fault you will be able to claim the cost of repairing your own car as well as those of the other drivers. Fully comprehensive car insurance will cover you for damage incurred to your car under the terms of your policy. You will also normally have to pay an excess as well, meaning that your insurance provider will only pay out if the bill for repairs is above a certain amount, and then you will have to make up the difference.

Internet usage is growing by leaps and bounds, and service providers such as auto insurance companies are recognizing the increasing demand for available online services. Simply input the required information per their website directions, and a cheap car insurance quote is yours within minutes. Internet is of course the best way of getting the cheapest car insurance quote, and also it takes less time as in comparison to other methods of finding the above quotes. So, make use of Internet to find the cheapest quotes.

Shop in your pajamas if you want! This convenience is not without risk, however. Shopping for suitable auto insurance can take some time. After all, you want to have the best insurance for your vehicle. Shop around getting your first car will certainly be quite an experience, but getting your first car insurance quote is also important. The key here is to be prepared to spend a lot of time searching for the best quote.

Shopping around online you get to see which providers have the product you are looking for at the best price.

Thank you for taking your time to read this article. Your comments on this article will be highly appreciated. To access Hundred of Gurmit's articles please visit websites. Information shared here does not constitute financial, legal, or other professional advice, and no adviser-client or confidential relationship is or should be formed by use of the site. This article is intended to provide general information only and does not give advice which relates to your specific individual circumstances. Information in this document is subject to change without notice. Any link-listing or ad-listing on this site does not constitute any type of endorsement. Gurmit loves traveling; he has been over 70 countries. He speaks fluent Cantonese, Polish, Hindi, Punjabi and English. Gurmit is an author, writer, insurance and mortgage expert. He frequently writes on various topics of interest to his readers. Gurmit Singh is a licensed mortgage expert with Dominion Lending Centres Mortgage Villa.
Gurmit Singh, MBA
Mortgage Expert (#M08009905)
Dominion Lending Centres Mortgage Villa (#11574)

The Importance of Your Mesothelioma Attorney

The importance of a mesothelioma attorney is not fully appreciated by most people. Mesothelioma is an incurable form of lung cancer that is generally associated with exposure to asbestos fibers, and is probably the one form of cancer that has led to more lawsuits for damages than any other.

It would be thought that a person suffering from mesothelioma that had previously worked in the asbestos industry would have a cast iron case, but this is not in fact the case. The real facts are that mesothelioma is a term for cancer of the mesothelium, more commonly known as the pleura, the lining of the lung. The problem is that most forms of lung cancer are termed mesothelioma, and it can be extremely difficult to prove that they are caused by one source alone. This in itself could give a mesothelioma attorney a big headache. However, there is worse to come for them.

Smoking! Believe it or not around 80% of Mesothelioma cases in North America are caused by smoking - not asbestos! Hence, if a smoker contracts the disease then the asbestos companies will naturally use that as a defense, and claim that smoking was the real cause and not the asbestos. Your mesothelioma attorney now has a real fight on his or her hands to get you any compensation at all. Now that compensation for asbestos relayed cancers has reached very high levels, most asbestos companies will vigorously contest any case against them, and the services of a good attorney are absolutely essential if you are to have any success at all.

One of the problems involved here is that, just as smoking has not been definitively proved to cause lung cancer, neither has exposure to asbestos. Most doctors will agree on the relationship, but the courts require proof, and it is not there. There are still those that deny any relationship, and without cast-iron evidence their claim could be construed to be as legally valid as those of the vast majority that believe in the relationship. However, belief is not proof, even when that belief is held by over 95% of the population!

It is strange, however, that most people will accept that asbestos can cause mesothelioma while many that do so will not believe the same of smoking. It seems a case of unwilling to accept what might affect themselves. However, all of this is academic, and you will need a good mesothelioma attorney if the compensation awarded is to be sufficient to provide the palliative care that all mesothelioma patients will eventually need.

Most will require hospice care so that some of the pressure can be taken from their family, and while hospices in Europe are free, this is not true of the USA. What is certain is that a smoker will not receive the same level of compensation as a non-smoker since it has been established that smokers who are also known to have had long-term contact with asbestos are more likely to contract the disease than any other.

The importance of a mesothelioma attorney cannot be overemphasized, and if you are seeking one then there are many choose from since it is a lucrative profession. Make sure that you choose a good one, since there are also many of these around. Here are a few tips:

1. Make sure that your attorney has handled mesothelioma cases before, and that yours is not their first case.

2. Have they had previous successes in such cases, and what level of compensation have the succeeded in achieving?

3. Does your mesothelioma attorney have the backing of a good law firm, with others that can take over the case in the event of illness, or is your attorney a one man band. You are better to have a group of people helping you than a individual with this type of case.

4. Is your case being handled as an individual case or as as part of a class action. Class actions can save a lot of trouble, but can also result in a lower level of compensation - not always though, so discuss it with others who may have been involved in both before making a decision.

These are some of the aspects of your case that should be discussed with your solicitor. However, once you have considered everything related to your claim, you will always have to fall back to one simple decision. Who is to be your mesothelioma attorney and what instructions are you going to give.

For more information on how to choose your mesothelioma attorney visit Mesothelioma Attorney [] where you will also find more information on the disease itself.

Why You Should Get Car Insurance Quotes?

circumstances will also change, so the most reliable way of finding a better offer is by applying for a range of new quotes.

Car insurance quotes are rarely the final rate. Insurance for your car can be less costly be researching the available discounts that are available based on your lifestyle and driving history. Car insurance quotes are only as good as the information upon which they were calculated. It's important that the information you use to obtain your quote is the same information the car insurance company will use when writing your policy.

Free online car insurance quote saves you from all the hassles of roving from one shop to another in search of quotes. Free insurance quotes are now just a click away. Whatever state you are in, you will be given auto insurance quotations immediately from various insurance companies that offer the best available rates for your needs.

Online quotes will differentiate our pricing at reasonable low rates from all other online insurance companies. Online car insurance quotes are a great place to start comparing insurance companies. You can get free car insurance quotes from most companies these days because car insurance companies want to let you know how cheaply you can have their services.

Prices can vary wildly from one insurer to another. Thank goodness for free car insurance quotes! Price comparison sites dealing in car insurance quotes are the ideal platforms for picking up the best vehicle insurance quotes.

Auto insurance is something that everyone in America is required to have. Unfortunately, it can be expensive, and no one likes having to pay a lot of money for a policy. Auto insurance is required by law to drive your vehicle. Finding cheap automobile insurance isn't easy.

Auto insurance can offer you a high interest rate provided you want to go for some additional assignments like adding your teen or other family members to the existing auto insurance. In this regard free auto insurance quotes can to offer you a wide range of selection for auto insurance agencies. Your vehicle is barely insecure when it has not been insured; nobody knows what happens next in today's flying world. Autos coverage online basically concerns what you're ready to pay out of your budget versus the aspects you need the insurance firm to assume responsibility for. Make sure that you have the prerequisite devices for your safety by using your seatbelt and making sure that your airbags work.

Auto insurance pricing is determined on a number of factors, including the driver's record, place of residence, and the vehicle driven. It's not hard to understand that people who drive recklessly are charged higher premiums than a person with a clean record, but it's almost considered unfair that people who live in dangerous areas are charged higher premiums even when their record is spotless. Hence, it is important that one understands the details of the procedures in car insurance.

Discounts can come from a variety of sources, anything from your profession to your membership in a professional organizations can give you a discount. If you combine your homeowners/renters insurance with your car insurance, by insuring them with the same company, you may qualify on a discount on one or both policies.

Generally, a female between the ages of 18 and 25 is not going to have to pay as much for her insurance as a male of the same age with the exact same variables. The insurance companies have discovered that female drivers do not have as many accidents, speeding tickets, or any other sort of moving violation as a male in the exact same age range generally the cheapest car insurance quotes are found online because providers save money by doing business on the internet with reduced overheads. They also offer their best deals to new customers and offer sizable discounts.

Internet is the best place to shop for car insurance as it will give you variety of quotes from a single website and hundreds of prices if you work a bit harder to visit more websites. Here you want a car insurance policy keeping two important factors in mind. Internet is used as the primary sales channel and that is why, a person can easily get the updated car insurance quotes all the time.

Compare cheap auto insurance quotes, cheap auto insurance rates and cheap auto insurance coverage information and get affordable auto insurance online. Are you wondering if there's really any point to comparing auto insurance quotes? What's wrong with the price you are paying now from your current carrier?

Ask for quotes on towing, comprehensive collision, rental cover, personal injury protection, full-glass, and medical. In addition, check into coverage options for uninsured motorists. Ask your agent to make sure you're comparing apples to apples, and especially to address how his or her company could at least match the quotes from the other companies.

Check the company out to make sure, they are financially stable and have no outstanding Better Business Bureau complaints against them. Also, get a good idea of how to file a claim and what the process is, since they will not have a traditional brick and mortar building in your location. Check insurance premiums with 2 companies every year not just the first time you insure. It's a fact of life that things change and insurers take advantage of loyal customers.

Thank you for taking your time to read this article. Your comments on this article will be highly appreciated. To access Hundred of Gurmit's articles please visit websites. Information shared here does not constitute financial, legal, or other professional advice, and no adviser-client or confidential relationship is or should be formed by use of the site. This article is intended to provide general information only and does not give advice which relates to your specific individual circumstances. Information in this document is subject to change without notice. Any link-listing or ad-listing on this site does not constitute any type of endorsement. Gurmit loves traveling; he has been over 70 countries. He speaks fluent Cantonese, Polish, Hindi, Punjabi and English. Gurmit is an author, writer, insurance and mortgage expert. He frequently writes on various topics of interest to his readers. Gurmit Singh is a licensed mortgage expert with Dominion Lending Centres Mortgage Villa.
Gurmit Singh, MBA
Mortgage Expert (#M08009905)
Dominion Lending Centres Mortgage Villa (#11574)

Pleural Mesothelioma Treatments and Symptoms

The most common kind of mesothelioma is pleural mesothelioma. It is a rare malignancy that builds up in the mesothelial cells that compose the mesothelium, which is a membrane that connects a number of internal organs. In patients diagnosed with pleural mesothelioma, the growth of the tumor happens in the lining of the lungs, known as pleura or pleural membrane.

The pleura consists of two layers which support and safeguard the lungs and chest cavity that include the outer layer (parietal layer) that connects the whole chest cavity and the diaphragm, and the inner layer (visceral layer), which spans over the lungs. The disease normally develops in one of the aforementioned layers, but can spread to the other layer. Akin to other mesothelioma malignancy, pleural mesothelioma is caused by asbestos exposure.


When asbestos fibers get trapped inside the body and trigger the initiation of the cancer process, we typically see in a first phase a thickening of the pleural membrane layers (pleural thickening) that is specifically caused by the accumulation of fluids. Eventually, the amount of fluid that build over up over the cource of time will impair the respiratory system which results in complications to breathe normally.

Listed below are some of the symptoms of pleural mesothelioma:

• Constant dry cough

• Coughing up blood

• Difficulty in swallowing

• Shortness of breath that occurs even while at rest

• Continuous pain in the rib area or chest, or excruciating pain while breathing

• Swelling under the skin on the chest

• Night sweats or fever

• Inexplicable weight loss

• Fatigue


Pleural mesothelioma is not easy to detect since symptoms do not typically occur timely after the initial asbestos exposure. A diagnosis is done on the basis of a biopsy, which is eventually necessary to verify the presence of a mass. Following a medical record evaluation and physical exams, patients have to usually go through a number of medical procedures like imaging tests that includes CT scans or x-rays to verify the location of the tumor. A patient is also likely to undergo tissue and fluid tests, also known as biopsies, to determine the type and grade of the cancer.


Continuous progress in the development of new drugs and discovery methods give hope for patients that were diagnosed with this health condition. In view of the fact that this type of cancer is the most commonly diagnosed kind of mesothelioma, the available treatment options for pleural mesothelioma are more advanced and optimized than those available for other types of this illness.

The three typically used pleural mesothelioma treatments are the following:

Surgery - to remove the primary mesothelioma tumor and in close proximity tissues that surround cancer cells then attempt to control or halt tumor growth. Typically done in combination with radiation or chemotherapy.

Chemotherapy - a conventional pleural mesothelioma treatment that makes use of anticancer chemicals to try to destroy cancerous cells.

Radiation therapy - otherwise known as "radiotherapy" which entails the restricted utilization of high-dose radiation to the pleural mesothelioma cancer tumors. This process works by targeting the mesothelioma cancer cells in the treated area.

The author Tony Ulrich was diagnosed with kidney cancer in October of 2009. In his research on what his cancer could have been caused by, he came across with data that suggests a strong link to environmental toxics, such as asbestos. Please visit his Kidney Cancer and Pleural Mesothelioma website for more details.

Worry-Free Travelling with Insure and Go

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Symptoms That Help You Identify Mesothelioma

Mesothelioma can only be identified with help of its symptoms which appear after 20-50 years the person has developed the disease. Symptoms of mesothelioma appear when you have been exposed to the deadly toxic asbestos decades back. By the time they appear, they have already spread to all parts of the body.

There are 3 major types of mesothelioma which attack the body with some similar symptoms. These types of mesothelioma along with their symptoms are:

Pleural Mesothelioma

Pleural mesothelioma attacks the lining of the lungs and causes various symptoms. These symptoms include:


Difficulty sleeping


Pain at the side of the chest or the lower back

Pleural effusions (fluid in the chest cavity)

Progressive loss of appetite and weight loss



Trouble swallowing

Muscle weakness

Sensory loss


Pleural effusion is an accumulation of fluid between the lining of the lung and the chest cavity. It is one of most common symptoms of mesothelioma and leads to shortness of breath. As the fluid collects in the lining of the lungs and chest, the pain and shortness of breath also increase. Dyspnea is shortness of breath which can be caused by a pleural effusion and/or by the presence of a tumor in the pleura or the lining of the lungs.

A buildup of fluid in the pleural can create a feeling of fullness and pressure, causing areas of pain in the chest cavity and sometimes in the lower back area. Chest pain occurs more often on the right side of the body, as mesothelioma affects the right lung 60% of the time. Only 5% patients suffer from mesothelioma in both lungs.

In some cases, a patient may also have chronic hoarseness, difficulty swallowing (dysphagia) and/or the coughing up of blood (hemoptysis). These are the rare symptoms of mesothelioma and seen in less than 1% mesothelioma patients. If the patient also suffers from swelling of the face or neck areas, it means that the cancer has spread beyond the mesothelium.

Peritoneal Mesothelioma

The other type of mesothelioma is peritoneal which attacks the lining of the stomach or the abdominal cavity. It can cause symptoms like:

Belly Pain



Weight loss


Night sweats

Frequency of urination

Bowel obstruction

Abdominal pain and swelling due to a buildup of fluid in the abdomen also known as ascites is one of the symptoms of peritoneal mesothelioma. If there is a tumor in the peritoneum membrane, it can put increasing pressure on the organs in the abdomen, leading to bowel obstruction and distention.

Pericardial Mesothelioma

The third type of mesothelioma is pericardial mesothelioma which attacks the lining of the chest cavity. It is not a common type of cancer. It can cause symptoms like:

Heart palpitations

Chest pains

Shortness of breath

Persistent cough

Weight loss

Irregular heartbeat

Pericardial effusion may also occur in pericardial mesothelioma. It is the accumulation of liquid in the lining of the chest cavity which may cause difficulty in breathing and shortness of breath. The patient may also complain of irregular heartbeat which is caused due to liquid accumulation in the chest. Persistent cough along with blood may also occur. Pericardial mesothelioma can also lead to lung cancer.

Some of these symptoms can help you identify mesothelioma. Some patients show no symptoms of their mesothelioma which makes it more difficult to diagnose. The exact symptoms will often depend on the area where mesothelioma affects which will help you identify mesothelioma.

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Your Insurance Policy and Earthquakes

If you are a homeowner in the United States, you may think that your homeowners insurance covers you in the event of any major catastrophe that may strike your home. Think again. In the United States earthquake damage to homes is not covered by standard homeowners insurance. Although other forms of insurance cover damage brought on by earthquakes such as car insurance, after examining your homeowner's insurance policy a little closer, you will likely find that your home is not covered in the event of an earthquake.

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In the United States there are certain areas and regions that are more prone to earthquakes. The west coast, for example, lies directly above a major fault line in the Earth causing frequent earthquakes, some of which have been tremendous. California is one state that has been home to a number of disastrous earthquakes throughout history. However, if you do not live on the west coast of the United States do not assume you are free of the danger of earthquakes. Earthquakes can occur anywhere at anytime and on average about 5,000 earthquakes occur in the United States each year. In the past century earthquakes had been registered in 39 of the 50 United States, well over half of the country.

Earthquakes measuring at least a 7 on the Richter scale, which measures the magnitude of an earthquake, occurred in both the eastern and central regions of the United States in the 19th century. Earthquakes can range from barely being able to be felt, to shaking the ground so violently that major buildings collapse to the ground. If you happen to be caught in one of the worse earthquakes your home will surely be damaged. The most recent earthquake to cause considerable damage to surrounding areas was in Northridge, California in 1994. The earthquake measured at a 6.7 magnitude on the Richter scale and caused almost twenty million dollars in damage in Northridge and the surrounding towns and cities. A major earthquake has the ability to cause billions of dollars in damage to homes, businesses and entire communities. The Northridge earthquake only measured a 6.7, but there have been a number of larger earthquakes around the world in subsequent years, including the earthquake centered in the Indian Ocean which caused the Asian tsunami. That earthquake measured a 9 on the Richter scale.

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Do not assume that just because your homeowners insurance does not offer coverage for earthquakes that you will not find coverage. Earthquake insurance is available throughout the country for those who wish to protect their homes and possessions from the threat of earthquakes. Although a considerably low amount of Americans currently have earthquake insurance, if you live in an area that is at high risk of major earthquakes, you would be a fool not to invest in earthquake insurance. Officials realize how important earthquake insurance is for Americans in certain areas of the country like the west coast. They have made strides in recent years to make cuts on earthquake insurance rates in states like California where it is vital for citizens to consider insuring themselves against the damage of earthquakes.

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Earthquake insurance can be relatively easy to get. Other types of disaster insurance not covered in homeowner's insurance policies, such as flood insurance, are only offered through the government. However, earthquake insurance can be easily obtained through private insurance companies. This makes obtaining earthquake insurance more convenient for the common citizen. Residents of California can also obtain earthquake insurance policies from the California Earthquake Authority. Earthquake insurance will cover any structural damage to your home and its contents due to the shaking and shifting of the earth caused by earthquakes. Other damage to your home will be covered through your homeowner's insurance.

Unlike other natural disasters such as major hurricanes and tornadoes, earthquakes of any size cannot be predicted. There is no way for scientists to tell when an earthquake will strike, which is why it is so important for you to be properly prepared for a major destructive earthquake. If you live in an area with a high risk of earthquake damage, make sure your home and possessions are insured to make certain you are not left with major losses.

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Mesothelioma Symptoms: An Introduction

Mesothelioma is a deadly and rare form of cancer that has developed from exposure to asbestos. The inhaling of the highly toxic asbestos is the major cause of mesothelioma. The ingested particles of asbestos develop the cancerous or malignant cells in the mesothelium. Mesothelium is the cell structure that covers and surrounds various internal organs. Mesothelioma develops abnormal proliferation of the malignant cells in organs such as the heart, lungs, and abdomen.

Mesothelioma is classified into three forms: Pleural Mesothelioma, Peritoneal Mesothelioma, and Pericardial Mesothelioma. Pleura are the membrane structure which covers the lungs and lines the wall of the chest cavity. Most of the organs in the abdominal cavity are covered by the peritoneum. Pericardial mesothelioma starts from the cavity which surrounds the heart.

Mesothelioma starts in tiny lumps in the membrane of pleura. This may not be shown on the scans or x-rays until they are developed and largely grown. It is developed mainly in people who inhale asbestos particles, which are considered to be the major cause for this disease. The symptoms may not appear until 30 to 50 years after exposing oneself to the asbestos particles.

In the case of pleural mesothelioma, the shortness of breath and the chest pain due to the accumulated fluid in the pleura are considered to be the major symptoms. Continuous cough and hoarse voice are also noted as other major symptoms in the pleural mesothelioma. Abdominal pain, loss of weight and swelling in the abdominal region due to a buildup of fluid are the symptoms in peritoneal mesothelioma.

Symptoms like bowel obstruction, abnormality in the blood clotting, fever and anemia are few of the peritoneal symptoms. Pain, trouble swallowing or swelling of the neck or face is the common symptom that is found when the cancer spreads beyond the mesothelium to other organs in the body. The symptoms of the pericardial mesothelioma are persistent coughing, palpitations, and shortness of breath and chest pain. It is very important to see a doctor for the further immediate diagnosis when these symptoms occur.

Mesothelioma Litigation provides detailed information on History of Mesothelioma Litigation, Mesothelioma Diagnosis: A Guide, Mesothelioma Laws, Mesothelioma Lawyers: A Guide and more. Mesothelioma Litigation is affiliated with California Contractor License Bond [].

Who's Who - Company Insurance Brokerage & Independent Insurance Brokerage Listings

Agents can choose to place business with either a company insurance brokerage office or an independent insurance brokerage firm. Here are insurance brokerage listings for many of the various tiles used within the business. Find out the difference among insurance brokerage titles, and how to distinguish who's who.

Health and life agents can earn over 90 insurance designations. Fortunately, the numbers of titles for firms obtaining brokerage business are fewer.A listing is provided of many different title names used, and any actual differences that separate one's firm title from another. The potential producers that might write insurance cases for you should also know these differences.

Before this, it is critical because of some many misconceptions to define the terms broker and brokerage as they refer to life and health insurance. You would be surprised at how few of the general public understands what your firm title or function means. Likewise, hundreds of thousands of agents do not understand these terms. The mix up occurs primary with stock brokers and stock brokerage firms. That is what the majority of the public thinks of when hearing these terms.

Insurance brokerage firms of all different titles, obtain a written annuity, life, or health insurance case from a broker. All their producers should be called brokers and their cases called brokerage business. When an agent writes a case outside their primary career company, they are called a broker and their business is brokerage. There are many agents that are "agent brokers". They have a primary insurance company as an agent and submit business to a brokerage firm as a broker. There are also independent life and health insurance agents that should rightfully be called independent brokers, with the before mentioned group better referred to as semi-independent agents.

Writing brokerage business is a true form of independence of the agent's part. Rarely will this occur to any extent until the agent has surpassed a full three years of insurance dependence on career orientated companies. The three main reasons an agent writes insurance brokerage are independence, client needs, and higher commissions.


What truly baffles insurance agents is the fact that some of the insurance companies training new insurance career agents often operate and highly promote through large advertisements their brokerage operations. They preach to the agents that they should only do business with the career company you are licensed with. Moreover, agents are firmly reminded they have all the products they need, and the company is supporting them 100%. Meanwhile the company insurance brokerage operation is trying to pilfer away as much business as possible from the career agents of fellow insurance companies. Less confusing of course, are the expanding number of insurance companies that only accept brokerage business and have no agency force of their own.

Starting with one insurance company brokerage operations, you have many different variations and titles among the people that distribute the products. A main difference would be those that are directly employed by the insurance company as a salaried or salaried plus bonus individual. Others have an independent contractor style contract, with fringe benefits like health insurance missing. They are paid through a combination of commissions and overrides along with possible production bonuses.

Director of marketing, national director of recruiting, director of product development and sales, Northwest marketing director, divisional director of disability sales, are just a taste of titles usually reserved for higher up home office employees. Many of these have never sold or brokered an insurance policy! Among them are fortune telling number crunchers with little reality of what it takes to be a successful brokerage manager. In turn, rarely do they do the actual recruiting of agents. The sad part is that they frequently set the company recruiting, marketing, and budgeting policies that others must follow.

The common one company insurance brokerage devoted titles include General Agent, Brokerage General Agent, Regional General Agent, State Manager, Managing General Agent, District Manager, Director of Brokerage, Wholesaler, and Regional Manager. If an insurance company is brokering three main products, they for example, may be LTC Brokerage Manager, Annuity Brokerage Manager, and Advanced Life Brokerage Manager. The inter combinations of titles are virtually countless. A high percentage of these one insurance company brokerage operations maintain the name of the company in their firm name.

Here is one conflict of interest. As some insurance companies want to sell as many insurance brokerage cases, as possible they often contract with independent marketing organizations and national brokerage firms. There is frequently true competition among them, going after agents and brokers to acquire insurance brokerage. It should be mentioned what the danger factor is. When you rely on just one insurance company what happens when your prime product is suddenly dropped, your territory is cut, your position is eliminated, or when another insurer buys out the company?


Non-existent just 25 years ago, independent insurance brokerage firms have erupted on the market scene. Here are some reasons why. First brokers like to find a company that can give them the best product for their client, or the highest commission when they make a sale. With some independent insurance marketing firms representing over 50 companies, they can sometimes do both. Some national firms are so powerful that they can dictate that an insurance policy develop a product only they can distribute. Insurance companies know that they can keep adding new policy features or constantly introduce a rehashed, but now called new policy. Insurance marketers love promoting a familiar product that has new features, a new name, or new commission structure. As insurance marketers like to make money, unfairly some of those where the highest override exists, are the products most heavily promoted . A 35% override sure beats 20% on a similar product in the mind of numerous marketers.

Titles that independent insurance brokerage marketers have on their contract include product distributor, national wholesaler, and exclusive product marketer, along with all independent contractor titles mentioned under one-company marketers. They often distinguish themselves by keeping their personal name out of the firm's official name. Others insert the word independent or national to separate them. Usually they promote a variety of company insignia trademarks or names in their advertising materials.

It is essential to describe briefly independent insurance marketing organizations. Over 250 independent insurance brokerage firms are associated with to at least one of the top 20 independent insurance marketing organizations. While 250 out of 15,000 to 20,000 separate brokerage titled operations does not seem significant, it really is. The smaller firms combine contracting and some advertising to form the larger independent insurance brokerage marketing organization. The organization thereby is able to obtain a higher compensation level contract with more insurance brokerage companies. Although sometimes members only operate in one state, others cross-territories, even on a national basis. The longevity of profitability for these firms is amazing, especially when compared with brokerage firms overall. The dues and advertising cost sharing is well offset by the extra training tips, bonding, shared marketing tricks, and higher overrides they could receive on their own.

Who's Who in major league, big-time insurance brokerage is constantly changing. Some are 3-generation family owned firms, and others mightily spring up and disappear just about as quickly. One of the key factors never mentioned above is of great magnitude. That factor is service. What can you do to make sure your broker stays your broker? Regardless of what title you or your firm has, all is irrelevant if the broker writes one case and moves on elsewhere.

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

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Mesothelioma: More About this Asbestos Cancer

Cancers and other forms of diseases are usually named

according to the part of the body or the internal organ

where abnormal growth of malignant cells takes place.

In the case of Mesothelioma, the abnormal cells grow in

the mesothelium, a surface cell layer that covers and

protects most internal organs. Normally, the

mesothelium produces small amount of fluid in order to

lubricate its layers--one of which directly covers the

organ--and allow the movement of the organs, like the

expansion and contraction of the lungs. A Mesothelioma

cancer patient's mesothelium produces too much of this

lubricating fluid, thereby damaging nearby tissues and

organs. The most common form of Mesothelioma is Pleural

Mesothelioma, which begins in the Pleural or

Peritoneum, the membrane that lines the chest cavity

and covers the lungs.

About 2,000 cases of Mesothelioma have been noted

yearly in United States. This is still a rare disease

to consider, although the reported incidents have

escalated in the past two decades. It has been observed

and proven that heavy and long exposure to asbestos is

the prime cause of Mesothelioma. Asbestos is a group of

minerals in strong, flexible and fibrous form. It is

used in industrial products such as cement, brake

linings, textiles, electrical insulation, flooring

products, chemical filters, fireproofing materials and

others. This explains why most Mesothelioma patients

are working in construction sites, shipyards and

manufacturing companies of said industrial products.

Small asbestos particles float in the air and are

either inhaled or swallowed by workers or persons

within the vicinity. Aside from Mesothelioma, these

people can acquire asbestosis, a non-cancerous chronic

lung sickness and other forms of cancer of the lungs,

cancer of the larynx and kidney.

Asbestos-related Mesothelioma comprise only 70 to 80

percent of the all the reported cases of the said

cancer. There are reported Mesothelioma cases wherein

the patients did not have any known exposure to

asbestos. Some have been exposed only for a short

period of time but still developed the cancer 20 to 50

years after the exposure, like in the case of a

Mesothelioma cancer patient who only washed clothes

that have been exposed to asbestos. Likewise, asbestos

fibers that have been stuck in the hair strands of a

factory worker can also risk the health of others whom

he lives with. It is therefore important for workers

exposed to asbestos to change their clothes and take a

shower before leaving the workplace to prevent his

family members or companions from inhaling the asbestos

particles and thus, from acquiring Mesothelioma.

The Mesothelioma cancer is slow-forming. That's why one

develops the cancer so many years after the exposure to

asbestos. Some develop the cancer fifty years after the

exposure, which makes it hard to determine whether the

person has Mesothelioma or not, especially when the

patient has no knowledge of the exposure to asbestos.

Moreover, malignant Mesothelioma shows signs similar to

those of other ailments such as pneumonia. Symptoms of

Pleural Mesothelioma also evident in other illnesses

include: shortness of breath, persistence of cough,

weight loss and chest pain. Peritoneal Mesothelioma,

which affects the abdominal cavity, is indicated by

swelling of and pain in the abdomen, weight loss, bowel

obstruction, anemia, blood clotting abnormalities and


Complete physical examination is needed to make sure

one has Mesothelioma cancer. This includes xrays of the

body part where the symptoms are felt or seen, CT scan

and MRI. To confirm Mesothelioma, a biopsy is also

performed by a surgeon or oncologist (a physician who

is specializing in the diagnosis and treatment of a

cancer). The sample tissue removed by the surgeon is

examined by the pathologist. Once confirmed, the doctor

then finds out the extent of the cancer, which is

crucial to the treatment of Mesothelioma. Although

malignant, Mesothelioma when earlier diagnosed can

still be treated. Most Mesothelioma patients undergo

surgery, radiation therapy and chemotherapy.

David Arnold Livingston is an advocate for Health and recommends, as a resource: []

Will a Life Insurance Policy Affect My Eligibility For Medicaid Benefits?

Many people question if their insurance policy is considered an asset with regards to Medicaid eligibility guidelines. Not many people understand that this type of insurance is enough to give a complete answer to this question. It is not a simple yes or no answer. In fact, depending on the type of insurance you have or the insurance quotes you are getting will determine your eligibility.

There are two basic types of life-insurance: whole-life insurance and term-life insurance. Whole-life insurance provides a set death benefit that your beneficiaries receive when you die. It also builds cash value that can be taken out of the policy and used for a variety of things with a variety of different plans. It is actually worth money to the person whom it is insuring against their death; therefore it has value and is considered an asset. Unlike whole-life insurance, term-life insurance does not have any value to the person whom it insures. Term insurance provides insurance in larger quantities at a locked in premium for a set time, or term. There is no cash value therefore no money can be withdrawn from the policy unless the insured dies. Because there is no cash value, term insurance is not considered an asset.

People obtaining a quote of this type of insurance often have varying reasons why they prefer a particular type of coverage over the other. Sometimes the customer is unsure of what they need, so they ask for guidance. If you do this, it is extremely important to be very honest with the agent so that he or she can accurately provide you with a quote that would best suit your needs. If you are enrolled in Medicaid then term-life insurance would probably be the best option for you, although everyone is allowed to have a small policy.

For a single person the guideline for assets is $2,000. It does not matter what the death benefit is on the policy, because Medicaid will only be concerned with the cash value of a whole-life insurance policy. Therefore, if you're insurance policy has a cash value of less than $2,000 and you do not have any other assets then you are within the acceptable guidelines.

If you own a whole-life insurance policy or you are getting insurance quotes for whole life and you do not want to do term insurance, but you are on Medicaid, there is an alternative to consider. You could still get the coverage you want with the options that you want and not have it count as your assets if you made a close friend or relative the owner of the policy. This is not something to be considered lightly because the owner of the policy holds all of the rights to the policy from that day moving forward, even if you are the insured.

Another alternative if you already have the whole-life insurance policy with a value greater than you are permitted to have, then you can take the cash value out of the existing policy and convert it. For example, you can either spend it or reinvest it into a new, separate term-life insurance policy.

While some insurance policies do count as assets which can affect your legibility, it is important to consider all the possibilities before making any decisions. Call your insurance agent and ask him or her to do some insurance quotes. Explain to the agent what you need, want the policy to do, what you can afford and explain your legibility guidelines for Medicaid.

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Mesothelioma Symptoms: An Overview

Malignant mesotheliomas are rare cancers that form in the tissues lining the lungs (pleura), abdomen (peritoneum) or heart (pericardium). Pleural mesothelioma, which affects the lining of the lungs, is the most common, accounting for about 75 percent of all malignant mesotheliomas. Between ten and twenty percent of all malignant mesotheliomas are peritoneal mesotheliomas. Pericardial mesotheliomas are extremely rare. A history of exposure to asbestos is found in most individuals with mesothelioma. The time from exposure to onset of cancer may be as long as thirty years; this is why most people with malignant mesothelioma are between 50 and 70 years old.

Many symptoms of malignant mesothelioma are non-specific, and are also seen in a number of other chest and abdominal conditions. This, combined with the lack of an accurate history of asbestos exposure in some patients, may considerably delay diagnosis. The majority of people with mesothelioma only have symptoms during the two to three months before they are diagnosed. About one quarter of all people with malignant mesothelioma have symptoms for about six months before diagnosis.

Once symptoms are present, they may depend on the location of the primary cancer. In general, symptoms become more pronounced with more advanced disease. With pleural mesothelioma, common symptoms are difficulty breathing, cough, pain in the chest or under the ribcage, coughing up blood, hoarseness, and the collection of fluid or pleural effusion in the pleural cavity. The face and arms may swell up. Many of these symptoms and signs are also seen with lung cancer.

With peritoneal mesothelioma, symptoms may include a lump or swelling in the abdomen, abdominal pain, fluid in the abdomen, constipation due to bowel obstruction, nausea, vomiting, and loss of appetite. Patients suffering from pericardial mesothelioma may experience chest pain, breathlessness and palpitations. Some symptoms of malignant mesothelioma are common to many cancers. These include unexplained weight loss, fever and fatigue.

Mesothelioma Symptoms provides detailed information on Advanced Mesothelioma Symptoms, Clinical Mesothelioma Symptoms, Mesothelioma Diagnosis: An Introduction, Mesothelioma Stomach Symptoms and more. Mesothelioma Symptoms is affiliated with Pleural Mesothelioma Information [].

What You Should Know About Medical And Term Life Insurance

Insurance is a form of risk management used mainly to soften the blow of unexpected misfortune, like death or permanent disability, of either yourself or a loved one. With so many different types of insurances available from different corporate bodies, it is your choice which type will bring the best benefits to you and your family. All insurances require a premium to be paid in exchange for the final policy that will release the total sum insured, with very attractive bonuses added-on in the final days.

One of the most popular forms of insurance is medical life insurance, better known as health insurance. Medical life policies will often cover the cost of private medical treatments at facilities for unconventional medical procedures which may cost more. Generally, this form of insurance is considered a luxury by most, although it may result in quicker health care with better facilities. Having no medical life insurance may just mean specific, sometimes necessary medical procedures may not be available to you.

Medical life insurance is normally offered by employers to those working more than six months in the company. If so, it may be voluntary which means the plan is deductible from the employees' monthly salary and is usually up for offer after a certain period of employment, for example six months into the company. Medical life insurance information on premiums rates, coverage and add-on coverage can be obtained from the insurance companies or agents you are buying your policy from. No two medical insurance information, prices and coverage are exactly alike - while one medical life insurance may be cheaper, the coverage may be less than the other.

Coverage for this include annual health screenings, health and wellness resources, national network of medical facilitators, coverage for medical travel, quicker claims process and many other additional services.

You will also notice that medical life insurance may be regarded in a different light than other insurance forms. No medical life insurance prices are available online, for example, even though there are various plans offered from any one insurance company. This is most probably because your choice of plan may reflect your society status and may attract undue attention to you.

Another type of insurance offered is the term life insurance. Term life insurance provides protection for a stated time period - a temporary insurance that goes into effect for a limited time for a limited sum. It is probably the most uncomplicated form of life insurance and developed to provide temporary protection on a smaller, more affordable budget.

One of the qualities of term life insurance is that it can be purchased in large amounts for a relatively small initial premium. Suitable for short-range goals, term life insurance coverage can be used to pay off a loan, or providing extra life insurance protection during the child-raising years. Term life insurance has some distinct features which include affordability, particularly at the initial stages of the insurance, adjustable premiums (but never exceeding the maximum premium rate stated in your policy rate card), renewability upon policy expiry and the possible conversion to a permanent life insurance policy. However, this last feature may not be available on all term life insurances.

Term life insurance functions in a similar way to most other types of insurances. It satisfies claims against what is insured as long as premiums are paid up and the policy is not expired. The best example of this particular type of insurance is vehicle insurance, where claims against the insured are satisfied in an accident. It is the same for home insurances where the home is insured for the eventful possibility of a fire or natural disaster destroying it. While there may be no certainties that these incidences will happen, the term life insurance covers the policyholder for the possibility of it happening.

However, if no claims were filed, there is no expectation of a return of the premiums paid and the insurance may or may not be renewed. In cases of vehicle and home insurances, the term life insurance acts purely as a risk protection agent.

Whichever insurance you finally decide on will depend on your personal and professional reasons for taking up the policy, budget and most importantly, the coverage you will be receiving. At the end of the day, the insurance is supposed to ease your living a little bit and not act like an added financial burden.

Looking for information on how to research and get the best insurance policies for yourself, visit Rene Summer's website for more of such information. Get more information regarding no medical life insurance [].

What is Malignant Mesothelioma?

There are nerve cells running through the entire length of the body and this includes the organs. Have you ever thought why you are not experiencing any forms of pain, when you are stretching? The internal organs, primarily the lungs are rubbing against the chest cavity, and yet you are never experiencing any form of pain. The same can be applied when you are breathing heavily. We are not experiencing pain because almost all the major organs and cavities within the body are lined by mesothelium. This sheath layer protects the organs from sudden shocks and impacts.

Cancer of the mesothelium will lead to mesothelioma. When a foreign substance is present in the mesothelium cells, it will try to get rid of that substance. The foreign substance can be anything literally, but in the case of mesothelioma, it is usually the mineral asbestos. Mesothelioma or malignant mesothelioma will be the result. Since the mesothelium can be found in all parts of the body, the mesothelioma can originate anywhere in the body. Pleural mesothelioma is known to be the most ordinary type of malignant mesothelioma. The pleura is a membrane covering the lungs and the chest cavity.

The condition is also widely known as asbestos cancer mesothelioma. As I had mentioned in the previous passage, the primary cause of mesothelioma is inhalation of fine microscopic asbestos powder. One of the other forms of malignant mesothelioma is the peritoneal mesothelioma. This cancer originates in the abdomen and the abdomen cavity. This is the second most form of mesothelioma apart from the former pleural mesothelioma. The latency period for the various forms of asbestos cancer mesothelioma is large. It is usually during the latter stages that the patient is diagnosed with the disease. By then, the chances of survival might be slim.

The pleural and peritoneal mesothelioma can lead to pericardial mesothelioma. This is caused during the advanced stages of the condition. The infection might spread from the pleura or the abdomen and might spread to the pericardium that covers the heart. The symptoms of malignant mesothelioma include breathing problems and pain related to breathing. The patient might not be able to undertake in the daily chores and might experience fatigue at all times. Cough that is dry in nature is a common symptom associated with asbestos cancer mesothelioma. If the doctor can successfully diagnose the condition during the earlier stages itself, then it can be treated effectively using trimodal procedures.

Surgery is the main form of treatment for all forms of asbestos cancer mesothelioma. Chemotherapy and radiotherapy are the other forms of treatment procedures recommended by doctors. Suitable protection must be provided to the employees who are handling asbestos and those who work in environments filled with asbestos powder. Since the condition is difficult to be diagnosed, most of the patients are known to succumb to the condition. Early detection is also impossible because the patient might never exhibit any form of symptoms during the initial stages. Prevention is the best cure, as they say.

To find out more on Asbestos Cancer Mesothelioma or Malignant Mesothelioma, simply click on the links.

Why is It Vitally Important to Buy a Travel & Medical Insurance When Booking a Trip

The high travel season is at the corner now. People from all walks of life around the world are currently busy searching for the best offers of air and land travel, accommodations, vacation packages to suit their dreams, needs and budgets. Some of them have even started to make their reservations.

Here I would like to emphasize one vitally important thing, which is a must to remember when booking a trip, but ignored by a great number of travelers.

Much has been written on the importance of having insurance coverage while you are on a trip, away from home. This is an issue that remains somewhat ignored by many travelers. After all, they have been traveling frequently for many years, and nothing happened so far to worry about. So, to buy a travel insurance should not a be a must. It is only an optional precaution!

But, reality urges us to believe traveling anywhere in the world without protection today, is a vital mistake. Regardless of where you are traveling in the world, you must have an insurance coverage to survive any unexpected attacks and disasters, especially after the 9/11 attacks in the U.S.A.

Let's say, you have been planning the trip of your dreams for a long time; you have finally found the opportunity to make your long time dreams of a special trip come true.

You are so excited! You have thought of all the details. You have been actively preparing for this travel; thinking, programming, shopping . . . spending a lot of time, money, and energy! You are proud of yourself that you have finally managed to materialize your dream!

Your trip can really be an unforgettable experience from start to the end, on one condition.

When booking your trip, you should have remembered that, like most exciting events in our lives, travel has some important risks, too. For example, potential medical and/or financial risks associated with travel, can suddenly turn all the excitement and pleasures of the trip to a nightmare.

Your baggage and/or your hand bag with your money, passport, credit cards in, can be stolen leaving you desperate & frustrated in a foreign country.

No one can guarantee that a natural disaster would not happen at the place you would be staying during your trip.

An unexpected accident, injury or illness would suddenly ruin everything. In fact, in the recent years medical costs have increased dramatically, worldwide. How would you be able to pay the emergency medical expenses, expensive hospital bills if you needed an urgent treatment, or surgery and care during your travel when you have lost your money, credit cards, and passport? Isn't it a real nightmare?

In such a frustration, the only thing you would have needed to survive was a reliable medical and travel insurance policy, wasn't it?.

Especially in the light of the horrible threats on and after September 11 terrorist attacks, the war on terror, other ruthless terror attacks in Istanbul, Spain, Egypt and London, frequent flight disruptions and cancellations, airlines' bankruptcies, and more. In addition, travel suppliers such as tour operators and airlines worldwide have made cancellation policies more restrictive.

Therefore, if you have to cancel a trip, it's likely that a big portion of your pre-paid travel expenses will not be refunded by travel suppliers.

Recent SARS and bird flu threats have also been urging travelers and vacationers to seriously consider to buy a travel and medical insurance.

Travel Insurance types and prices defer from one travel insurance provider to another.

You have to review, compare and select the best offers to suit your personal needs.

For instance, some insurance providers do not offer coverage outside the U.S.A. Some companies do not provide emergency medical coverage and care, while others do.

Some airlines do not accept to be held responsible for the acts of God, weather problems, natural disasters, riots and unrests, SARS, bird flu, and similar outbreaks.

The Insurance types you will need on a trip are reviewed below:

Last Minute Cancellation Insurance

With the last minute cancellation and/or interruption insurance you will get coverage on non-refundable deposits you had made when you bought your travel insurance. Read the fine print on the policy carefully when buying this insurance. You should discuss your personal needs with your insurance agent before buying it.

Medical Insurance

This is one of the most important insurance policies you should have. Buying health and medical insurance must be considered as an important part of your travel budget. You can face a health problem or an accident anywhere and anytime during your trip. Be sure your medical and health insurance policy covers illness, accidents, surgeries, hospitalization bills in the countries you will be visiting, emergency medical transportation to your home country. Please remember to have your policies with you when traveling, leaving the copies of your insurance policies with a relative in your home country, in case the policies you have with you are lost.

Comprehensive Insurance Policy

This policy generally covers emergency medical transportation and trip cancellation and interruption, plus other needs you would expect. This insurance costs 5 to 7 percent of the total cost of the trip. You should have it for your safety.

What types of insurance policies do we need for a full protection?

The Essential Insurance Types offered by most providers are Travel, Last Minute, Medical, Health, Life, Hotel, Cruise, Air, Vacations, Luxury, car insurance, sports, and Spa Insurance policies.

Some travel insurance companies also offer affordable coverage for a wide range of winter sports including Ski, Off-Piste and Snowboarding.

We might need not one, but several types of insurance policies according to the general conditions at the destinations we're going to.

If your your kids are going with you, many travel insurance providers let them go free with adults.

Some companies provide policies for students, backpackers, cheap travel, holiday insurance, long stay, international, family travel, single travel, annual travel, annual multi-trips, and more. It's good to know that in this cyber age, you can buy the insurance policies you need online, without even leaving your home.

Most Travel Insurance policies cover Luggage Loss, too.

But you should definitely ask about what's covered and what's not when choosing Travel Insurance Policy to buy. Do ask questions, all questions you might have in mind, until you get all the information you need. It's much better to ask questions when buying insurance than to be sorry later.

How can I find the best insurance type to suit my personal or family needs?

When choosing a travel insurance policy to buy, you should get information on the offers of various insurance providers to compare.

Knowing how time consuming is to search, compare and choose the best travel and medical insurance types and prices to suit your needs and budget, we advice to visit the websites where you can find lists and information about various offers, then compare them, and choose the best ones to suit your needs.

You should keep in mind that buying your travel insurance through travel insurance providers, instead of travel agencies, would save you money in most cases.

In the light of terrorist attacks, unexpected natural disasters like earthquakes, tsunamis, deadly hurricanes, floods, epidemics, accidents, illness, SARS, bird flu, claiming hundreds of thousands of lives at many places around the world, especially in the recent years, every traveler must seriously consider to buy a travel health and a medical insurance, and some other insurance policies if needed, providing a reliable full coverage against both expected and unexpected threats.

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