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.
Complete Term Insurance Solution at Low Premium
A common myth surrounding insurance policies is that higher coverage translates to a proportionate increase in premiums. However, this is not true – higher covers are not directly proportional to higher premiums and just a few simple steps could help you keep your insurance premiums well within your control.
Explained below are some tips on how you can lower the premium on your term insurance policies.
Term Insurance
To arrive at the exact premium for a term insurance policy, insurance companies consider various factors. While some of these factors are within our control, some are not. By taking charge of the factors within your control, your term insurance policy coverage can remain high without a subsequent increase in the premium, as you would qualify as a relatively ‘risk free’ customer for the insurance company.
Here are some of these ‘premium influencing’ factors that are well within your controlGeneral Health
Your overall, general health is a major factor that determines your mortality risk and consequently your term insurance policy’s premium. A person suffering from major ailments like hypertension, blood pressure, cholesterol, etc. is at a higher risk of premature death than someone without major health issues. It is therefore only natural for the insurance company to charge a higher premium for a person suffering from serious health disorders.
Obesity, a major cause of several health problems, is another reason why your insurance company may raise your premium.
All insurance companies do a thorough check about the policy applicant’s health conditions while issuing a term policy, as this is a crucial determinant of the chargeable premium. Additionally, almost all insurers insist that the policy applicant must go through a complete medical examination, especially when the applicant has crossed a certain age. Some insurers may even have this medical test mandate for young applicants.
It is important to note that a complete medical examination would be required whenever a very high coverage is asked for, regardless of how old the policy applicant is.
Lifestyle Factors
Excessive drinking and/or smoking or chewing tobacco adversely affects your health, elevating your mortality risk. Insurance companies therefore ask prospective policyholders about these habits before evaluating how much premium should be charged for his/her term policy. If you are smoker, the premium for your term insurance policy would be way higher than a non-smoker. The same logic applies if you drink alcohol excessively.
Profession
For policyholders holding risky professions such as firefighting, mining, deep sea diving, skydiving, bomb demolition and such similar occupations, the insurance premium is usually a lot higher than those who have regular office jobs. Certain insurers may even refuse to insure those involved in highly risky professions. Therefore, the riskier and dangerous your profession, higher is your mortality risk and higher the risk you pose for the insurance company, as a result of which your premium will be higher.
Policy Value and Tenure
A higher life cover/sum assured translates to a higher risk for the insurance company in the unfortunate event that the policyholder passes away while the policy is in force. Similarly, longer the tenure of the policy, higher will be the premium, because the insurance company is covering the risk of the policyholder’s death for a longer period.
If you see that the insurance company is quoting a high premium for your policy, consider lowering one of these factors so that the premium also becomes lower.
Premium Payment Mode
Insurance companies usually offer policyholders a choice for premium payment frequency – it could be a one-time payment, yearly, bi-yearly, quarterly and monthly. The total premium outgo is less if you opt for the one-time payment or an annual payment compared to frequent payments such as monthly modes. This is because in case of one-time or annual premium payments, the insurance company saves on administrative costs and also gets a lump sum amount in advance for the full year, as opposed to the quarterly or monthly payment options. Therefore, the former option will mean lower total outgo for you.
Riders
Riders offer additional benefits on term policies and they come at an extra cost, meaning higher premium, and higher policy cost. It is therefore advisable to evaluate the actual need for a rider before purchasing it.
Mode of Policy Purchase
Premiums charged on term policies purchased online are usually lower than what you would pay for the same policy purchased through an agent or some other intermediary, i.e. offline. The reason for discounted premiums on online sales is because it helps insurance companies eliminate agent commissions, administrative and distribution costs.
Of course, the decision to buy a policy online or offline will depend on the extent of customised advice you require in the process of deciding the policy most suited to your needs.
Factors Beyond Your Control that Influence Premiums
Age: Older applicants are charged higher premiums because mortality risks and the tendency to fall ill increase with progressing age.
Gender: Some studies say that women generally tend to live longer than men. Hence, other things being equal, women are mostly charged lower premiums than men of the same age for the same policy.
Genetic Predisposition: If you are genetically predisposed to major ailments like heart problems, diabetes, blood pressure, etc. then it is likely that your term insurance premium will be higher.
The final extent to which each factor will affect your term insurance premium will vary as per each insurer’s rating and underwriting policies. It is best to compare quotes from different insurance companies and also compare different insurance companies based on their claims settlement ratio, customer service records, reputation, policy coverage, etc.
Over to You!
Simply follow the aforementioned advice in order to lower your term insurance premiums. While you can hardly do anything to take care of factors beyond your control, you can easily take care of general factors including mode of payment, policy value and tenure.
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