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.
AARP Whole Life Insurance with No Medical Exam
Permanent life insurance policies, particularly those that have no medical exam, consistently have higher premiums. Given this, we also would not recommend the AARP and New York Life’s simplified issue whole life insurance unless you have a pre-existing condition that would preclude you from passing a medical exam. However, if you’re a senior and have had a medical condition for over 2 years that’s well managed, such as diabetes, their whole life insurance policy is a strong option.
The AARP’s no medical exam whole life insurance policy is a form of final expense insurance (also called burial insurance), as the amount of coverage available is usually just sufficient to cover end-of-life expenses. AARP’s whole life insurance policy offers $5,000 to $50,000 as a death benefit and is available if you’re between the ages of 50 and 80. While this is certainly enough to cover a funeral and minor debts, it is likely not be a large enough death benefit to cover your mortgage. So, if you have large outstanding debts, you would want to consider other insurers.
As with other whole life insurance policies, AARP’s whole life coverage builds cash value over time. This is essentially the surrender value of the policy and can be borrowed against if, for example, you have an emergency medical expense. However, the AARP’s whole life insurance policy is relatively unique in that premium payments end when you turn 95. Relatively few people live to be 95, but the opportunity to stop making payments and continue to have coverage isn’t common among whole life insurance companies.
In addition, AARP’s whole life insurance comes with 2 riders that offer financial assistance in the case you become disabled or ill:
Waiver of Premium - If you face a disability or illness that requires you to stay in a nursing home, you won’t have to pay premiums for the entirety of your stay (or until you turn 80, whichever is sooner). Just note, premiums are only waived after you’ve stayed in the nursing home at least 6 months.
Accelerated Death Benefit - If you’re diagnosed with a terminal illness and the doctor believes you have less than 12 months to live, you can access up to 50% of the policy’s death benefit while still alive.
AARP Program Guaranteed Acceptance Whole Life Insurance
AARP and New York Life also offer guaranteed acceptance whole life insurance, though this option isn’t available in New Jersey or Washington. AARP’s guaranteed acceptance policy is similar to their no medical exam policy in that:
It’s available if you’re between the ages of 50 and 80
You no longer have to make premium payment once you turn 95, while coverage remains in-force
There’s no medical exam
If you become terminally ill, you can receive up to 50% of the death benefit while still alive
A key difference is that their guaranteed acceptance policy only offers between $2,500 and $25,000 of coverage. In addition, if you pass away during the first 2 years of coverage due to a non-accident, your beneficiary won’t receive the full death benefit. Instead, they will receive 125% of the value of premiums you had paid until that point. Waiting periods are fairly standard for guaranteed acceptance coverage as insurers want to avoid large payments in the case terminally ill patients sign up.
While AARP’s guaranteed acceptance coverage offers competitive rates, if you aren’t already a member, you shouldn’t join the AARP to get access to this product. As you can see below, AARP’s quotes are on-par with those from competitor policies with nearly identical features that don’t require any sort of membership.
AARP Guaranteed Acceptance Whole Life Insurance Rates
AARP Child Whole Life Insurance
AARP’s Young Start program allows you to purchase whole life insurance coverage for a child or grandchild that’s younger than 18. There’s no medical exam and the policy builds cash value, similar to their standard whole life policy, but there are only 3 levels of coverage:
Death Benefit Monthly Premium
$10,000 $5.00
$15,000 $7.50
$20,000 $10.00
This type of policy is typically intended to shield parents and relatives from the costs associated with a child dying early. However, AARP’s policy is different from those offered by other insurers as coverage is not interrupted when the child comes of age (turning 21) and premiums are level for as long as the policy remains in-force. This means that, while the policy’s cash value will grow very slowly, it can continue to grow for decades and is available if your child or grandchild ever wants to access it.
In addition, if you pass away, the child or grandchild won’t have to pay premiums to keep coverage in place until they turn 21. At that point, premium payments will continue to be set according to whatever amount of coverage was initially purchased.
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