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.
Banner Life offers term and universal life insurance policies, with a variety of coverage options and low premiums. While Banner Life is an established insurer with a strong financial strength rating they also compete well on price, in part due to their flexible underwriting.
Banner’s underwriting process is less strict than those of other insurers when it comes to having a single issue (such as smoking or having osteoporosis). Instead, they look at combinations of other health factors, meaning you’re less likely to be hit with a high premium if you’re very healthy overall with one medical condition or lifestyle concern. For example, you would be moved up a health tier and qualify for lower life insurance quotes with Banner Life if you met at least 3 of the following qualifications:
You haven’t used tobacco in at least 10 years (besides a maximum of 1 cigar per month)
Both of your parents lived till they were at least 75 and you don’t have a sibling that contracted cancer or heart disease before age 60
Your Cholesterol/HDL ratio is 4.5 or lower
You regularly do at least one of the following: get an annual checkup, participate in an exercise program, or get routine preventative tests (such as a pap * smear, prostate exam, or colonoscopy)
You’ve had a cardiac test in the past 2 years showing outstanding results
Your Gamma-Glutamyltransferase (GGT) level is below 30 (an indication of your likelihood of liver disease)
If you’re over 60, your NT Pro BnP is below 100 (an indication of your likelihood of heart failure)
Banner Term Life Insurance
Banner’s term life insurance policies offer flexible coverage with lower premiums than many competitors. As you can see below, Banner’s life insurance quotes for term policies range from 17% to 26% lower than similarly established insurers. While this discount isn’t as significant for smokers, premiums are still 9% to 14% below the competition.
Banner Life - Term Life Insurance Quotes
Banner’s term life insurance death benefits range from $100,000 to $10 million. Depending on your age, you can get a term policy for:
Term Length Age Availability
10 years 20-75
15 years 20-75
20 years 20-70 (non-smoker), 20-65 (smoker)
25 years 20-60 (non-smoker), 20-55 (smoker)
30 years 20-55 (non-smoker), 20-50 (smoker)
In addition, Banner’s term policies can be “laddered” using a term rider. This means you can increase your coverage during certain periods of time during which your needs are higher. For example, you could purchase a 30-year term policy for $250,000 then add on 10-year term coverage for $150,000 to cover your child’s education until they graduate. This is a great feature as it means you don’t have to pay higher premiums over the entire term of the policy if you only need more coverage for a short period of time. In addition, it adds flexibility as it can be hard to predict what financial obligations you may have in 10 or 15 years.
Banner Life doesn’t offer a traditional no medical exam term policy and their full underwriting process can take several weeks. However, their APPcelerate program offers the opportunity to get term coverage within one business day if you pass a health interview, are a non-smoker, and don’t live in certain regions (it’s not available in Connecticut, Hawaii or Alaska). Essentially, if you complete an application and phone interview with no issues, you can qualify for coverage within a few hours without a medical exam. This option is available for:
Policies with less than $500k death benefit, if you’re between the ages of 20-50 (only for 10-year term policies)
Policies with less than $500k death benefit, if you’re between the ages of 46-50 (for 15, 20, 25, and 30-year term policies)
Policies with less than $750k death benefit, if you’re between the ages of 41-45 (for 15, 20, 25, and 30-year term policies)
Policies with less than $1 million death benefit, if you’re between the ages of 20-40 (for 15, 20, 25, and 30-year term policies)
In addition, if you’re undecided between term and permanent coverage, any of Banner’s term policies can be converted to a universal policy so long as you’re below age 70.
Banner Life Universal Life Insurance
Universal life insurance is a form of permanent coverage, so the policy stays in-force so long as you continue to pay premiums and it builds a cash value. The policy’s cash value is the amount of money you would receive if you surrendered the policy and it can be borrowed against or withdrawn. With universal life policies, the cash value grows according to the performance of the insurer’s portfolio, but there’s also a guaranteed minimum annual return.
Banner Life offers 2 universal life insurance policies, Life Step UL and Life Choice UL, which are available if you’re between the ages of 20 and 85. While Life Choice UL is the better policy for those that know they want over $100,000 of universal life coverage, Life Step UL charges a bit more to come with greater flexibility.
Banner Life - Universal Life Insurance Quotes
Life Step UL has 20-25% higher premiums and a lower guaranteed interest rate, but comes with lower minimum coverage requirements and the ability to surrender your policy several years earlier. In addition, with Life Step UL, you can pay higher premiums for a shorter period of time, such as 10 years, in order to lock in lifetime coverage.
Life Choice UL not only comes with lower premiums, but has additional opportunities to reduce the amount you’ll pay in exchange for a bit of added risk. Banner’s standard universal life insurance policy matures when you turn 121, but Life Choice UL lets you reduce or extend the maturity date. At the time a universal life insurance policy matures, if you’re still alive, you would receive the policy’s cash value and surrender coverage. A farther off maturity date increases premiums, since it increases the likelihood you’ll pass away before maturity, while reducing the maturity date lowers premiums. So, for example, you could pay lower premiums if your policy matured when you turned 100 or 110.
Policy Details Life Step UL Life Choice UL
Minimum Coverage $50,000 $100,000
Guaranteed Cash Value Interest Rate 2% annually 3% annually
Surrender Charges None after 9 years None after 14 years
Policy Loan Interest Rate 7.4% (3.8% in NY through William Penn) 7.4% (4.8% in NY through William Penn)
Changes to Death Benefit Can decrease death benefit, but not below $50,000 Can increase or decrease death benefit, but not below $100,000
Term Conversion Can convert term policy to Life Step UL if it has been in place at least 5 years Can convert term policy to Life Step UL if it has been in place less than 5 years
Banner Life Insurance Riders
Life insurance riders are policy add-ons offered by insurers to let you adjust your coverage or edit standard features of a policy. Banner Life offers 3 riders which are available for their term and universal life insurance policies:
Waiver of Premium - If you demonstrate that you have become totally disabled for at least 6 months, you can stop making payments and your policy will remain in-force so long as you’re disabled. The only limitation is that the disability has to occur before you turn 65.
Accelerated Death Benefit - If you are diagnosed with a terminal illness, you can receive a portion of the death benefit while you’re still alive. This reduces the strain on your family as it can help to cover hospital bills, treatment and other expenses. The maximum amount of money you can receive early is $500,000 or 75% of the policy’s full death benefit (whichever is less).
Child Rider - This allows you to add coverage for your children, an option that’s typically meant to protect parents from burial costs if the child passes away in an accident. Coverage is available for $5,000 (costs $27.50 per year) or $10,000 (costs $55.00 per year) and ends when the child turns 25. This rider also expires when you turn 65.
Banner Life Insurance Customer Reviews & Complaints
The Banner Life Insurance Company has an A+, or Superior, financial strength rating from A.M. Best. In addition, their NAIC Complaint Ratio is 0.16, meaning the company receives a proportionately low number of complaints as compared to the amount of coverage it writes. Banner Life’s reputation is based upon a smooth process and competitive prices, and these features are reflected in their positive reviews.
However, they do receive some negative reviews indicating challenges interacting with the customer service team. These customer service issues seem to crop up primarily when a clerical error was made or a client tries to surrender a policy. Therefore, while it’s always good practice, with Banner Life you will want to get confirmation of any policy actions you take, even small edits such as changing a name or updating your mailing address.
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