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Posts Tagged ‘Increases’

When Your BMI Increases, so Does Your Life Insurance Rate

Life insurance is the ideal way to provide for your family when you are no longer around to provide for them. It is a great way to show them that you really care. However, too often we end up paying higher premiums on our life insurance, forcing us to compromise on the death benefit. One of the most common reasons behind higher premiums is higher Body Mass Indices or BMI’s. Let’s learn more.

Why a high BMI will increase your life insurance rate
BMI is a body fat ratio that is derived out of your height and weight numbers. According to The Centers for Disease Control and Prevention a BMI of 30 or more is considered obese, and a BMI between 25 and 30 is considered overweight.

Let’s understand the impact of a high BMI:

  • During a recent study, researchers found that men and women with BMI’s between 22.5 and 25 have the longest life spans.
  • High BMIs are associated with serious health risks such as cancer and heart disease and can seriously shorten your life span.
  • A BMI between 30 and 35 can reduce your lifespan by 2-4 years, and BMIs between 40 and 45, can reduce life spans by up to 10 years.

Life insurance companies make the most revenue out of people with longer life spans. They value healthy customers who are able to pay premiums well into their retirement years, than those who die from illnesses in their younger years.

A low BMI will therefore increase your life span, but a high BMI will cost you higher premiums. Those who have higher BMI’s should therefore work on bringing it down.

How to get your BMI down and qualify for a better life insurance rate
If you have a high BMI and want to qualify for better premiums, the only way out is to bring down your BMI. However, there is no quick-fix method of doing this. Further, life insurance purchases should never be put off. So as a first step, go ahead and buy a policy at a high rate. Term life policies are cheaper than whole life policies and just as effective. If you are serious about bringing your BMI down, get yourself a term life policy that will cover you for about 5 –10 years, which is a more than enough time period to bring your BMI down.

Once your life insurance policy is in place, you need to get serious about bringing your BMI down. Simple health, lifestyle and diet changes will make a huge difference. Remember to be consistent and most importantly, keep a record of your progress, along with supporting medical records and notes from your physician. They will all come in handy when you reapply for life insurance later. They will serve as proof, and assure the underwriters that you are serious about your health and are doing all you possibly can to improve it.

Wait for a span of 2 – 3 years, and if you are able to show consistent results, reapply for a policy.

Enjoy a better, longer life with a lower BMI
The associations between mortality and BMI & morbidity (ill health) and BMI are real and cannot be ignored. One needs to be more careful especially one you are in the market for life insurance. The Life insurance companies consider those who are able to keep their BMIs low for longer periods as their best customers. So remember to maintain your healthy lifestyle throughout your term. A lower BMI will not just guarantee you a lower premium; it will also keep you healthy and give you a better quality of life. Your family will stand to gain the most by having you around for much longer!

About Author

About AccuQuote:
AccuQuote is a leader in providing term life insurance quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term insurance as easy as possible for its customers.

Health Cost Increases Are Passed on to Drivers

Even though the warring parties cannot agree on any policies to reform the healthcare industry, there is some agreement that what we have now is broken. Looking around the world makes for depressing comparisons. As a nation, we pay a higher percentage of our wealth on healthcare, but receive a significantly inferior product. More people die through lack of adequate care in our country. This year, as if to add insult to injury, the insurers have been pushing through major increases in premium rates. Ironically, it was these increases, in part, that allowed President Obama to push the reluctant Democrats into passing the reform bill. Sadly, the signing of the bill into law has not stopped the premium increases. We are all paying more. As a less publicized side effect, these rises in health costs have also been passed on to drivers. The coverage on liability and other policies includes payment for the treatment of anyone injured in a traffic accident. Insurance companies are for-profit. If their costs go up, those costs get passed on to the policyholders. Within the US, there are two different systems for insuring drivers.

In some states, we have the no-fault system that pays out to those injured no matter who caused the injury. In theory, this is a more cost-effective system because it removes the need for expensive litigation to work out who to blame. Focussing only on how much is needed to repair all the damage saves time and money. In Michigan, this is a two-tier process. The for-profit insurers sell the policies but, if any given claim exceeds a specific amount, the additional compensation is paid by a non-profit reinsurer called the MCCA (Michigan Catastrophic Claims Association). The MCCA recently raised its levy to the insurers by $18 per vehicle per year. Inevitably, the for-profit insurers immediately passed this amount on to the policyholders. The other system is a traditional for-profit model. In America, insurers are allowed to add their profit margin on to every amount they have to pay. In Europe, insurers are allowed to make a profit on the basic car insurance element in an auto policy, but cannot make a profit on paying medical costs. European health insurance companies make a profit when they sell health plans.

The insurer’s right to add a margin is strictly controlled. All this should tell you the American insurance model is pro business and against the consumers’ interests. You are entitled to see only good. This is how capitalism is supposed to work. We should all pity the poor Europeans who live under these socialist governments. They only pay profits to the insurance industry on the core elements of each policy. We should be thankful our premium rates increase to add a new profit margin every time repair shops, tow companies, car rental firms, hospitals and drug companies increase their prices. For those of you in search of cheap car insurance, get multiple quotes through this site and look through them all carefully to identify where additional discounts and savings may be found. It is up to you to protect your own interests. If this means buying insurance through an internet-only company rather than supporting companies with the maximum number of employees, this is your right. You do not care whether you are supporting the employment of your fellow Americans. All you want is cheap car insurance.

About Author
If you are interested in the point of view expressed by Norris Rios, visit http://www.carinsuranceguidance.com/health-costs.html for more of his professional writing on a whole array of topics that relate people all around the world.

Health Cost Increases Are Passed on to Drivers

Even though the warring parties cannot agree on any policies to reform the healthcare industry, there is some agreement that what we have now is broken. Looking around the world makes for depressing comparisons. As a nation, we pay a higher percentage of our wealth on healthcare, but receive a significantly inferior product. More people die through lack of adequate care in our country. This year, as if to add insult to injury, the insurers have been pushing through major increases in premium rates. Ironically, it was these increases, in part, that allowed President Obama to push the reluctant Democrats into passing the reform bill. Sadly, the signing of the bill into law has not stopped the premium increases. We are all paying more. As a less publicized side effect, these rises in health costs have also been passed on to drivers. The coverage on liability and other policies includes payment for the treatment of anyone injured in a traffic accident. Insurance companies are for-profit. If their costs go up, those costs get passed on to the policyholders. Within the US, there are two different systems for insuring drivers.

In some states, we have the no-fault system that pays out to those injured no matter who caused the injury. In theory, this is a more cost-effective system because it removes the need for expensive litigation to work out who to blame. Focussing only on how much is needed to repair all the damage saves time and money. In Michigan, this is a two-tier process. The for-profit insurers sell the policies but, if any given claim exceeds a specific amount, the additional compensation is paid by a non-profit reinsurer called the MCCA (Michigan Catastrophic Claims Association). The MCCA recently raised its levy to the insurers by $18 per vehicle per year. Inevitably, the for-profit insurers immediately passed this amount on to the policyholders. The other system is a traditional for-profit model. In America, insurers are allowed to add their profit margin on to every amount they have to pay. In Europe, insurers are allowed to make a profit on the basic car insurance element in an auto policy, but cannot make a profit on paying medical costs. European health insurance companies make a profit when they sell health plans.

The insurer’s right to add a margin is strictly controlled. All this should tell you the American insurance model is pro business and against the consumers’ interests. You are entitled to see only good. This is how capitalism is supposed to work. We should all pity the poor Europeans who live under these socialist governments. They only pay profits to the insurance industry on the core elements of each policy. We should be thankful our premium rates increase to add a new profit margin every time repair shops, tow companies, car rental firms, hospitals and drug companies increase their prices. For those of you in search of cheap car insurance, get multiple quotes through this site and look through them all carefully to identify where additional discounts and savings may be found. It is up to you to protect your own interests. If this means buying insurance through an internet-only company rather than supporting companies with the maximum number of employees, this is your right. You do not care whether you are supporting the employment of your fellow Americans. All you want is cheap car insurance.

About Author
If you are interested in the point of view expressed by Norris Rios, visit http://www.carinsuranceguidance.com/health-costs.html for more of his professional writing on a whole array of topics that relate people all around the world.

Government Subsidy Increases COBRA Unemployment Health Insurance Affordability

In 1986, Congress passed the Consolidated Omnibus Budget Reconciliation Act, COBRA, as a means for stale employees, spouses, and dependent children to continue the group health insurance previously provided by an employer. The coverage was paid completely by the insured. In many cases, the cost of the coverage was prohibitively high, especially if the premiums were being paid for out of unemployment benefits. In light of the rising unemployment rate and the cost of health insurance, the affordability of COBRA gained government attention. The American Recovery and Reconciliation Act of 2009 (ARRA) includes a provision to gash the cost of continuation coverage to eligible laid-off workers by 65%.

How the Subsidy Works

The COBRA subsidy became effective as of March 1, 2009 for workers laid-off between September 1, 2008 and December 31, 2009. Anyone who became involuntarily unemployed during this time period and had been covered by group health insurance provided by the stale employer must be notified of the availability of the subsidy by April 18, 2009. The subsidy is available for nine months of coverage unless another group health insurance is available or the worker becomes eligible for Medicare. Generally, COBRA is available for 18 months.

The subsidy is in the acquire of a tax credit for employers at the rate of 65% of the cost of COBRA for worn employees, eligible spouses and dependent children. Those receiving the help will only be billed for the remaining 35% of the premium. Employees who lost their job during the qualifying time period and declined coverage before ARRA was enacted are now eligible to receive coverage. The enrollment period for accepting coverage is 60 days from the date of unemployment. The reduced premium is only applicable to payments from March 1, 2009 forward.

Employers with 20 employees or less are not required to provide COBRA continuation coverage under Federal law; however several states do require tiny businesses to participate if it offers coverage to retained workers. If the old-fashioned employer no longer offers group health insurance either due to dropping the coverage for remaining workers or through business closure, COBRA coverage is no longer available.

Who is Eligible for the COBRA Subsidy

People who became unemployed through no fault of their beget and whose feeble employer maintains group health insurance are eligible for coverage subject to sure income limits. The subsidy is not available for people who have a modified adjusted nefarious income in excess of $145,000 or $290,000 for those filing a joint return and is phased out beginning at $125,000/$250,000 income level. If a laid-off worker is eligible to receive health insurance through a spouse’s employer or Medicare, the subsidy does not apply.

COBRA Information Resources

As the subsidy and associated changes to COBRA continuation coverage is so novel, there may be a time between when the subsidy became law and when it is actually establish into action. The U.S. Department of Labor has a website in set with detailed information about the unusual law, how it applies to individual situations, and includes an option to subscribe to the page for notification as updates become available. Benefits Advisers with the Department of Labor are also available toll free (866) 444-3272 for more information.

About Author
http://SanBuenaventuraHealthInsuranceQuote.com Provides health insurance to San Buenaventura area. For FREE HEALTH INSURANCE QUOTES? Visit us online NOW!

Evidence Emerges That Seasonal Flu Vaccine Increases Risk of H1n1 Swine Flu

(NaturalNews) To hear it from the vaccine makers, their vaccines are perfectly safe and have no side effects. A person can receive an unlimited number of vaccines (10, 100 or even 1000) and have absolutely no ill effects, they claim. This is the quack science mythology upon which mass vaccination policies are currently based. But new evidence is emerging that people receiving a seasonal flu shot are made more susceptible to H1N1 swine flu as a result.

CBC News in Canada is now reporting disturbing findings you need to know about: “Four Canadian studies involved about 2,000 people, health officials told CBC News. Researchers found people who had received the seasonal flu vaccine in the past were more likely to get sick with the H1N1 virus.”

The story doesn’t cite the percentage increase in H1N1 virus risk, but it’s apparently enough to give pause to many doctors and infectious disease experts. “We don’t know with this year’s flu shot how it interacts with the pandemic flu shot, so it’s a worry,” said Dr. Michael Gardam in the CBC News article quoted below. He’s the director of infectious diseases prevention and control at the Ontario Agency for Health Protection and Promotion.

The upshot of all this is that Canadian health officials are now scratching their heads, wondering whether the seasonal flu vaccines will actually make the H1N1 pandemic worse!

It’s fascinating that this data is coming out of Canada, not the U.S. In the United States, the mainstream media has engaged in a virtual blackout of any information that questions the safety of vaccines, even while openly pushing outrageous lies about the swine flu vaccine (http://www.naturalnews.com/027055_swine_flu_vaccines_swine_flu_vaccine.html).
Vaccines weaken your immune system

What this information reveals is further evidence that flu shots damage or weaken your immune system, making you more susceptible to subsequent infections. Flu shots don’t even work to reduce your risk of getting the flu that they’re targeting! Most people who get the flu are the very same people who routinely receive flu shots.

This will hold true with H1N1 swine flu as well: The people getting the swine flu virus will be primarily those who routinely receive flu vaccinations.

You know why? Because a flu shot trains your immune system to be lazy. It exposes your immune technology to an artificially weakened virus, resulting in a lazy adaptive response from your immune technology. In much the same way that your leg muscles atrophy if you stop walking, your immune system begins to weaken if you don’t exercise it. And this leads to an increased risk of being unable to defend against future exposure to infectious disease, which is exactly what we’re seeing with this Canadian study.

Vaccines are the quackery of modern medicine. They not only don’t work to protect people from the diseases they target; they also increase the risk of being infected with other diseases. And that doesn’t even include the ways in which vaccine ingredients (adjuvants or preservatives) can cause permanent damage to your nervous system.

If vaccines strengthen the immune system (as vaccine makers imply), then why do people who take such vaccines end up at higher risk of future infections? The only rational explanation for this is that vaccines compromise immune function. And if that’s true, then why should anyone take them in the first place?
Vitamin D makes flu shot vaccines obsolete

We could do away with vaccines almost entirely by giving people vitamin D supplements instead. Seasonal flu is no match for healthy levels of vitamin D in the blood, and with the addition of a few immune-supporting nutrients (like vitamin C, zinc, and omega-3 oils), the days of people getting sick from the seasonal flu would be all but over.

People who have adequate levels of vitamin D in their blood rarely get sick from seasonal flu. The flu primarily strikes those who are nutritionally deficient in one or more key immune system nutrients.

But rather than teach patients how to correct those deficiencies, the entire industry of western medicine would much rather poke a hole in your arm, inject you with chemicals, charge you forty bucks and keep you in the dark about the nutrients that would have protected you better in the first place. That’s modern medicine for you: Consumer ignorance plus chemical intervention. It’s a great recipe for making money, but it’s a terrible recipe for protecting public health.

That’s why I say just say no to ALL vaccines. They harm you far more than they help, and they’re based on the most absurd medical quackery you can imagine. As is common throughout the pharmaceutical industry, most of the “evidence” supporting the efficacy of vaccines was fabricated by drug companies. There is absolutely no evidence anywhere in the world that says vaccines protect you from seasonal flu better than vitamin D and immune-boosting nutrients. There’s not even any trustworthy evidence that seasonal flu shots reduce your long-term risk of being infected with the flu.

But now there is evidence that receiving a seasonal flu shot may increase your risk of contracting H1N1 swine flu, and that’s something to carefully consider if you value your health (or your life).

Mike Adams PhotoAbout Author
Mike Adams is a natural health author and technology pioneer with a strong interest in personal health. He is a prolific writer and has published thousands of http://naturalnews.com/index-HRarticles.html

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