Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
SBI Child Insurance Plan
It is not an easy task to secure the life of your children. The expenses for education and medical needs are growing rapidly in recent times and you need to be prepared to handle the future expenses of your children.
However, there is a way to ensure that at least your child’s finances are taken care of. You can do so by choosing the child life insurance plans, offered by SBI, and provide the best savings and protection for your children’s needs.
SBI Life offers two insurance plans for children and you can choose the one that matches your requirements. Let us discuss the features of both the plans in a detail.
Smart Champ Insurance by SBI Life
In this plan, the policyholder’s life will be covered throughout the tenure of the policy. The nominee is usually the child whom you want to benefit from the policy. This can be the perfect choice when you want to save money for the education needs of your children.
Basic Features of SBI Smart Champ Plan
After the child reaches the age of 18, the smart benefits will begin to flow every year till the child reaches the age of 21.The educational needs of the child can be easily met as you get money every year in equal installments.This protection will be guaranteed even during your absence and this is the major highlight of the plan.In the unfortunate event of the policyholder not surviving the tenure of the policy, the sum assured will be immediately paid to the nominee.Along with that, there will be no need to pay future premiums, thereby reducing the financial burden on the family members.You can choose to pay the premium in regular installments or in a single payment according to your convenience.It is also possible to pay the premium for a limited term by choosing the relevant category.In the event of permanent disability due to accident, the policy holder will get immediate benefits and there is no need to pay future premiums for the plan.You can even get a survival benefits with the last installment of the smart benefit.The policyholder is eligible for tax benefits under this plan.
Get a Bonus Every Year
You can get a share in the profits from the plan and this is a good option as your money will keep growing in value every year. The company will provide an annual bonus based on the returns generated by the business. This will become part of the guaranteed benefits.
Eligibility Criteria For Smart Champ Plan
The age of entry for the life assured is fixed at a minimum of 21 years and a maximum of 50 years.The age of entry for the child is set at a minimum of 0 years and at a maximum of 13 years.The maximum age of the life assured at maturity is 70 years and for the child, it is at 21 years old.The basic sum assured has a minimum value of 1 lakh rupees and the maximum is at 1 crore rupees.You can pay the premium every month or choose the quarterly, half yearly, and annual payment plans.
Paid up Value of Smart Champ Plan
The plan will start accumulating a paid up value after the premium is paid for 2 complete years when you choose a tenure of less than 10 years. In the same manner, for plans of more than 10 years’ tenure, the premium has to be paid for 3 full years to be eligible for the paid up value. This is a good option, as the policyholder can get additional benefits in the future. This also provides different survival benefits along with maturity benefits.
Surrender Value of Smart Champ Plan
After the premium is paid for a few years, the policy attains a certain surrender value depending upon the terms mentioned in the plan. In this way, you can get funding for emergency expenses by taking loans on the policy.
Important Note :
There are no Riders in this plan. You can get rebates by choosing a higher sum assured. You can even return the policy and get it terminated within a few weeks after buying the plan, if you are not satisfied with the terms of the policy. The policy comes with the exclusion that no benefits will be paid if the person dies by committing suicide.
Smart Scholar Plan from SBI Life
This is a market linked plan and you can grow your investments in this and, also, get protection for your life. This is a good way to secure the future of your children as you can get market linked benefits along with insurance benefits in one plan. It is also a good option when you want to save tax on a regular basis.
Basic Features of SBI Smart Scholar Plan
In this plan, the life cover is provided for the parent and the age restriction for the child is in the range of 0 to 17 years.You can choose between as many as 7 funds, depending upon your risk profile.After the completion of term, the fund value can be conveniently used for education and other requirements of your children.If the insured person dies during the tenure of the policy, the lump sum benefit will be passed on to the beneficiary.Along with that, the future premiums will waived and there will be no change in the accumulated fund value that is credited at the end of the tenure.This protection is provided even in the event of permanent disability, due to an accident.You can even get loyalty bonus for continuing with the policy for a long duration.
Eligibility Criteria for Smart Scholar Plan
The age of entry for the parent is the maximum and minimum age of 18 years to 57 years respectively, and the age of entry for the child is in the range of 0 years to 17 years.The maturity age for the parent is fixed at a maximum of 65 years and for the child, it ranges between 18 to 25 years.You can choose between the single premium payment option and the limited term premium payment option, according to your convenience.The tenure of the policy ranges between 8 to 25 years.The premium can be paid regularly on a monthly basis or you can even choose quarterly, half yearly, and annual payment modes.There is no limit to the maximum amount of premium you can choose for this plan.The minimum amount of premium you can pay on a monthly basis is around 4000 rupees when you choose the regular payment option for a tenure that is more than 8 years.
Benefits of Choosing Smart Scholar Plan from SBI Life
The life of the parent is covered in this policy and a lump sum benefit is offered to the survivor in the event of unfortunate death of the person.If the child does not survive the tenure of the policy, the life assured will have the option to terminate the contract or continue with the plan according to their requirements.The maturity benefit will be paid in lump sum after the completion of the tenure.You can get permanent disability and accident benefit if you choose the regular premium payment plan.In such an event, there will be no need to pay future premiums to continue the policy.It is possible to choose a single fund for investment or multiple funds, as per your risk taking ability.You can even switch between different funds depending upon the changing market environment.After the policy has completed 5 years, you can even choose to make partial withdrawals for emergency financial requirements.You can even get various tax benefits by choosing this insurance plan.If, for some reason, you are not happy with the terms of the policy, you can even return the policy within the first few weeks after the commencement of the plan.
Important Note :
This is a linked insurance plan and there will be no option to withdraw or surrender the policy within 5 years of commencement of the plan. The investment risk is borne by the insured person and the premium amount paid for the policy is subject to market risk. The policy comes with suicide clause exclusion and there are certain conditional clauses for the accident benefit.
To Summarize
In this manner, you can choose the simple option of a regular insurance plan by opting for the Smart Champ Plan. On the other hand, if you want to grow your money by taking some risk, you can select the Smart Scholar Plan. Remember that you have to track the performance of the funds carefully when you choose a market linked insurance plans. By choosing the appropriate plan, you can provide a regular source of income to meet the future financial needs of your children.
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