Medical Conditions Can No Longer Leave You Short of Cover

by

Angus Leonard

Understanding the reasons behind a refusal to provide life insurance cover can be difficult. After all, insurance companies are in the business for making money. Each individual carries a certain amount of risk. The greater the risk associated with the proposer, the higher the premium. Life insurance companies rely on a lot of data and statistics. They use these to ascertain whether to provide insurance cover to an individual or not. A fair number of people remain associated with normal levels of risk. Hence, they fall into the category of being safe propositions. Certain individuals carry a larger proportion of risk. This could be because of their occupation, which keeps them exposed to a greater degree of risk. It could be because of their smoking or drinking habits. It could also be because of various other reasons. Depending on the individual circumstances, underwriters advise the insurance company on accepting or declining the proposal.

One of the main principles behind

life insurance

remains the Principle of Utmost Good Faith . This principle denotes that the insurance company accepts the risk and provides insurance cover to an individual based on the details filled in on the proposal form. This principle requires that the insurer and the proposer hide no material facts from each other. In other words, the onus lies on the individual seeking insurance to provide accurate information on the proposal form. Based on the information provided, the insurer decides on whether accepting or declining the proposal is worthwhile. One of the sections of the proposal form entails providing information on pre-existing medical conditions of the insured. For many people, this section poses several problems. While some people suffering from various ailments get coverage from the insurance company, others are not as lucky. In particular, certain illnesses like coronary diseases, depression, melanoma etc. can be the cause behind a refusal to provide cover.

For over sixty years, the principals of Special Risk Managers (Sydney, NSW) have earned a growing reputation in the field of life insurance. Our expertise and experience gives us an unparalleled edge over many others in the domain. You might find several agents and brokers who can provide life insurance to most individuals. However, for most people suffering from serious medical conditions, we offer the only hope of getting life insurance. You cannot miss the concern that insurance companies deny cover to people who need life insurance the most. It also remains matter of grave irony. On account of the difficulties associated with getting insurance for such people, Special Risk Managers took on the challenge. Our sole aim remains that of obtaining life insurance cover to people suffering from serious medical conditions. Hence, we tied up with an international reinsurance company. This exclusive arrangement enables us to provide hope and succor to people classified as being uninsurable.

Life insurance companies have a list of diseases or medical conditions they do not insure. These range from Angina to Alzheimer s; from colitis to melanoma and from stroke to epilepsy. Of these, the most common causes for rejection include:

Angina: Chest pain, when linked to the heart and its functions, denotes a condition of angina. Angina can be of three types i.e. stable, unstable and variant. Overworking of the heart, which results in a regular and predictable pattern of chest pains denotes stable angina. The pains last for a few minutes and medicines can provide quick relief. Unstable angina attacks do not follow a pattern. Even worse, they indicate that a heart attack could be just around the corner. Cases of variant angina are rare and mostly occur at rest. Not all chest pains indicate an angina attack. However, life insurance companies seldom provide angina life insurance to people diagnosed with this condition.

Bipolar Affective Disorder: Bipolar life insurance could be hard to obtain. A manic-depressive illness of the mind, life insurance companies seldom provided bipolar life insurance to the afflicted a decade or so ago. Today, however, the progress in medication and treatment enables many afflicted individuals to receive life insurance without any worries.

Bowel Conditions: Conditions like Crohn s Disease, Colitis and Ulcerative Colitis make it difficult to buy bowel life insurance. Insurance companies consider whether the individual has shown any symptoms of Crohn s Disease over the previous twelve months. If yes, then they reject the risk or accept it with a higher premium. If the individual showed symptoms of affliction over a year ago, the insurer provides the cover at the normal rates. Similarly, insurance companies provide bowel life insurance for colitis based on the severity and on how recently the individual exhibited symptoms of the ailment.

Coronary Heart Disease: This disease results in the complete or partial blockage of blood to the heart. Fatty build-up in the walls of the coronary arteries remains the leading cause of this disease. Life insurers usually refrain from providing coronary life insurance as this condition often results in heart attacks.

Depression: Life insurance companies provide depression life insurance only after going through a careful examination of all the facts. Depression remains highly treatable even in the severest of cases. However, since insurers want to reduce the risks associated with those suffering from depression as much as possible, it could be a reason for rejection too.

Melanoma: A particularly serious type of skin cancer, melanoma usually occurs on the skin. Occasionally, it can occur in the eyes too. It starts affecting skin cells called melanocytes that make melanin. Melanin gives the skin its color. It also protects the skin from the ultraviolet rays of the sun. However, prolonged exposure to these ultraviolet rays, atypical moles etc., can result in melanoma. Since this is quite severe, insurance companies can refuse to provide melanoma life insurance.

Regardless of the condition you might suffer from, Special Risk Managers believe that we can obtain insurance coverage for you. We deal directly with the individuals and occasionally work in tandem with financial advisors to provide our clients with life insurance. May diseases that had no cure years ago, are inherently curable today. Similarly, several cases that insurers refused to provide cover to, can obtain the protective cover of insurance today. Why not call us at 1300 66 53 56 and allow us to alleviate your insecurity? With our expertise and assurance, you could benefit from our support and the cover provided by your new life insurance policy.

Angus Leonard writes articles about

life insurance

. For more information about the services offered, visit Special Risk Managers website.

Article Source:

ArticleRich.com

How are cigars different from cigarettes?

by

KhalMarsh

people smoke them more like cigarettes than cigars, inhaling and smoking every day.

They look like small versions of traditional tapered cigars, but they can be bought in

small packs.

True

large cigars

may contain more than half an ounce of tobacco as much as a

whole pack of cigarettes. It can take from 1 to 2 hours to smoke a traditional large

cigar. Many what are now called large cigars are carefully made t

o meet the legal definition of a large cigar (which is based on weight, not size), even though theyre actually quite small. This means they can be called large cigars or in some s

tates, other tobacco products, which is good for the tobacco companies (see the next

section).

When looking at size and weight of small cigars and large cigars compared to ciga

rettes, legal definitions get very confusing. Since 2009, small cigars have been defined as thos e that weigh 3 pounds or less per 1,000 cigars. Some of the larger cigarettes can weigh

more than 3 pounds per 1,000. Still, any cigar weighing more than 3 pounds per 1,000 is

taxed as a large cigar, despite being smaller than some cigarettes.

Why so many options?

Cigars that are sold like cigarettes and smoked like cigarettes are anothe

r way the tobacco industry has managed to get around federal laws and taxes. For example, cigars that are small in size but meet the legal definition of large cigars (based on weight) a

re taxed at lower rates than cigarettes and small cigars by state and federal gover

nments. The tobacco industry uses this to their advantage.

Certain combustible tobacco products (those that are burned and smoked) can be sold in

packs like cigarettes and be used like cigarettes, but not legally be consider

ed cigarettes.

This means theyre not subject to US Food and Drug Administration (FDA) regulations

related to manufacturing, flavoring, labeling, and marketing. For instance

, these products can be flavored, and can be labeled with misleading descriptors like light or low tar.

They can be marketed and sold with fewer restrictions and much lower taxes tha

n cigarettes. And the candy flavors and low price makes them more appealing and

accessible to young smokers.

While overall data shows that cigarette use has decreased, the use of other combus

tible tobacco products has increased. So, these low-priced and less-regulated products see

m to have led some cigarette smokers to switch to other combustible tobacco products, and

cigarette-like cigars are especially popular.

In fact, since the federal tobacco excise tax was increased in 2009, statisti

cs show that large cigar and pipe tobacco use has increased, while cigarette and little c

igar smoking has decreased. This is the result of a new legal definition of large cigar a

nd offering cigarette smokers and curious kids a lower-priced, less regulated tobacco option

‘ cigars.

Are cigars as addictive as cigarettes?

Cigars contain nicotine, the substance in tobacco that addicts people. Cigar smokers

who inhale absorb nicotine through their lungs as quickly as cigarette smokers. For those w

ho dont inhale, the nicotine absorbs more slowly through the lining of the mouth. Cigar

smoke dissolves more easily in saliva than cigarette smoke. This means cigar sm

okers can get the desired dose of nicotine without inhaling the smoke directly into their l

ungs.

People who use oral or spit tobacco products absorb nicotine the same way. Nicotine in

any form is highly addictive.

Even though people may smoke cigars for different reasons, the fact is, like cigar

ettes, cigars deliver nicotine. Most full size cigars have as much nicotine as

several cigarettes.

Cigarettes contain an average of about 8 milligrams (mg) of nicotine, but only

deliver about 1 to 2 mg of nicotine to the smoker. Many popular brands of larger cigars contain between 100 and 200 mg, or even as many as 444 mg of nicotine. The amount of nicotine a cigar delivers to a smoker can vary a great deal, even among people smoking

the same type of cigar. How much nicotine is taken in depends on things like:

How long the person smokes the cigar

How many puffs are taken

Whether the smoker inhales

Given these factors and the large range of cigar sizes, its almost impos

sible to make good estimates of the amounts of nicotine larger cigars deliver.

For small cigars, Health Canada estimates that filtered little cigars that are the size and shape of cigarettes contain about the same amount of nicotine as a cigarette. If t

hese are smoked like cigarettes (inhaled), they would be expected to deliver a similar am

ount of nicotine, but this has not been fully tested.

Cigar smokers in the past were mainly middle-aged, older men with higher education and income, but most

new cigar

users today are teens and young adults.

Captan Black

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Online education: Making things simpler for you

by

Manu Geol

Whether you seek an online associates, bachelors, masters, or PhD degree in business, technology, healthcare, or education, you must understand the basics of online education before pursuing any of the courses. Online education is delivered through the Internet to students. One can pursue the online course sitting at any corner of the world. Some online courses may include a requirement that students and teachers meet once or periodically in a physical setting for lectures, labs or exams. But it is not like the traditional education in a classroom setup in which the teacher teaches a group of students.

Online education includes diplomas, high school courses, bachelors, masters, associates and PhD. They cover a variety of subjects like accounting and finance, film and photography, journalism, automotive, carpentry, real estate, architecture, law, social sciences, foreign languages, personal development, administration, advertising, agriculture, health education, animation, anthropology, hotel and motel management, bookkeeping, bridal consulting, business administration, massage therapy, computer education and many more. Almost all courses are available online except a few which requires lab and practical knowledge like medical studies.

Before opting for a degree online, however, you should know the credibility of the college or the university concerned and the degree or the diploma you want to pursue. If it serves your purpose then you should go ahead. There are many fake colleges and universities that are offering degrees and master degrees and other online courses in return for money. So beware of them. You have to pay a fee for pursuing any online education programs. Check and compare them among three-four educational institutes and go for the one that will be beneficial to you.

There are hundreds of online colleges and universities all across the United States now offering online courses. Some of them are American Global University, American Institute for Computer Sciences, Andrew Jackson University, Barrington University, California National University, City University Los Angeles, Idaho State University, Indiana University, Kennedy-Western University, Louisiana State University, New Jersey Institute of Technology, Ohio University, Northwestern Michigan College, Rochester Institute of Technology. While selecting an educational institute or a program, you must check that they are accredited and follows all rules set up by the government.

Besides, read the prospectus of the program before you opt for it. There are some online courses, which require that you have to attend a few classes physically at the institute’s premises and you can be asked to appear in exams in the institute’s campus. So you should know if it is feasible for you or not. If it is not possible in your case, there are colleges and universities, which may not ask you to come to their premises. You can appear in exams even sitting at your homes.

The online course certificates are acceptable in almost every place and can be helpful in your career. Even if you are working, you can pursue an online education program. There is no age bar for pursuing the course online. What you need is a computer and an internet connection.

The author is a senior editor at http://www.keydegree.com. You can read more articles from him on the KeyDegree website. Find the “Key” to earning your Degree now, and unlock you future!

Article Source:

ArticleRich.com