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.
Primerica Life Insurance Coverage
Primerica offers term life insurance coverage for 10-year, 15-year, 20-year, 30-year, and 35-year terms, though the set of term lengths available change according to your age. It’s also important to keep in mind that some longer term policies (such as the 30-year and 35-year options) only guarantee level premiums for the first 20 years. So, if your premiums later increase and you’re not able to cover the higher cost, you might lose your coverage.
Term Length Guaranteed Level Premium Availability by Age
10 years 10 years 18-70 years old
15 years 15 years 18-65 years old
20 years 20 years 12-60 years old
25 years 20 years 18-55 years old
30 years 20 years 18-50 years old
35 years 20 years 18-45 years old
However, all of Primerica’s policies do offer the option of “guaranteed insurability” until age 95, meaning you can renew your policy without undergoing a new health exam or application. Premiums for the new policy would increase solely due to your age. Guaranteed insurability can be an incredibly valuable feature since, for example, you might get cancer or another disease during the original term that would make it incredibly challenging to qualify for a new policy (and, if you did manage to get coverage, the cost would be incredibly high).
Primerica also offers several riders which act as add-ons to their term coverage, allowing you to customize a policy to your financial situation, though each rider will typically increase your premiums by a small amount.
One of the most unique riders Primerica offers is an increasing benefit rider, which allows you to increase the death benefit of your policy up to 10% per year for 10 years. Most insurers only offer decreasing term insurance policies, in which the death benefit becomes smaller over time, because financial obligations tend to decrease with age. For example, say you purchased enough life insurance to cover your mortgage--as you made mortgage payments, the outstanding loan, and therefore your coverage needs, would decrease. Given this, increasing benefit term policies are somewhat rare, and Primerica is an option if you want the flexibility of increasing coverage during the term. Just note that this option is only available up until age 55.
Pros and Cons: Primerica Custom Advantage vs TermNow
Unless you need coverage immediately for some reason, we recommend Primerica’s Custom Advantage policy over TermNow. Primerica’s Custom Advantage and TermNow policies are similar in that they offer term life insurance coverage with the features listed above. The key differences between the policies are the:
Death benefit
Underwriting
Cost
TermNow is only available if your life insurance policy has a death benefit between $15,000 to $300,000. Since the payout is limited, Primerica offers you the option to go through a simplified underwriting process with no medical exam. Instead, you give them permission to run your personal details through several databases (such as the Medical Information Bureau and DMV) and, if no issues come up, Primerica issues coverage within a few minutes. The key downside to TermNow is that, similar to all simplified underwriting life insurance products, the premiums will be significantly higher.
With Custom Advantage, the underwriting process can take between 1 to 6 weeks, but you have the benefits of being able to choose any face value (death benefits can be over $1 million) and paying lower premiums for comparable coverage. And, while it may sound like a hassle, the medical exam typically takes less than an hour and can be scheduled at your home or work.
Cost of Primerica Term Life Insurance
ValuePenguin compared sample term life insurance quotes from Primerica against 50 insurers and found that Primerica ranged from 11% to 29% more expensive for the same coverage.
Primerica Quote Comparison
Sample quotes were for a 35-year old non-smoker male in great health. All policies are for $500,00 in coverage.
Consumer Reviews & Complaints
Primerica is rated A+ (Superior) by A.M. Best and the company states that they pay 94% of claims within 14 days, on average. Positive consumer reviews discuss how the company offers a wide range of financial products, such as mutual funds and investment accounts, and some of Primerica’s agents are featured as being particularly knowledgeable.
Complaints primarily focus on Primerica’s salesforce and sales process, which can best be described as a multi-level marketing operation. Primerica life insurance policies can only be purchased through their captive agents who are not allowed to represent other insurers, meaning you have to check yourself whether better quotes can be found elsewhere.
Additionally, agents are incentivized to not only sell life insurance to friends and relatives, but also recruit them as agents (the “recruiting agent” receives a portion of the commission from each sale one of the recruits makes). Given Primerica has a large number of new agents joining and working part-time (the average pay per licensed agent was $6,088 in 2016), many agents receive poor ratings due to their lack of experience with life insurance.
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