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.
The Colonial Penn Life Insurance Company specializes in life insurance products that have small death benefits and limited underwriting, a class of products often referred to as final expense insurance. These products are typically favored if you want to have coverage in place quickly, perhaps because you’re in poor health, and only need a small payout in the case of your passing (to cover funeral expenses, a loan, or other limited financial obligation).
Depending on your financial needs, Colonial Penn offers 3 types of life insurance policy:
Term Life Insurance Guaranteed Acceptance Program Whole Life Insurance
Monthly Premium Range $12.49 - $56.46 $9.95 - $79.60 $29.65 - $133.24
Changes in Premium? Yes, premiums increase with age No No
Death Benefit $10,000 - $50,000 Approx. $400 - $17,000 $10,000 - $50,000
Underwriting Application with health questions, no medical exam No health questions, no medical exam Application with health questions, no medical exam
Sample premiums are for 50 year old male, with the range representing difference between minimum and maximum coverage offered
All of Colonial Penn’s life insurance products can be applied for online and none require a medical exam, both convenient features for those that want to quickly purchase coverage. While Colonial Penn also advertises a 30-day money back guarantee, this feature isn’t unique and shouldn’t be a reason you decide to purchase from them. Most states have “free look” laws requiring insurers to provide a full refund, if requested, for 10 to 30 days after purchase.
Colonial Penn Term Life Insurance
Colonial Penn offers a 1-year level term life insurance policy, meaning you essentially start a new term each year. Their term life policy also has a limited death benefit, with the maximum value being $50,000, which can be designated to either 1 or 2 beneficiaries.
Cost
Since the policy has a 1-year term, the premiums you pay increase as you get older, typically in 5-year increments. For example, a woman that purchased $50,000 of coverage would pay:
$35.21 per month between the ages of 41 to 45
$45.21 per month between the ages of 46 to 50
$56.46 per month between the ages of 51 to 55
This means that if you know that you want coverage for a longer period of time, you’ll pay a higher average premium with Colonial Penn than if you purchased a longer term policy elsewhere (such as a 10-year or 20-year term) since your risk profile increases with age.
In addition, you can find lower prices with other insurers for significantly higher levels of coverage because Colonial Penn has a limited underwriting process with no medical exam. This raises premiums, as they’re unable to verify your health status. Given these factors, if you’re fairly healthy and not concerned about your ability to pass a medical exam (they’re simple and only take about 30 minutes), you can save a lot of money over time by getting a fully underwritten policy elsewhere.
Restrictions
Colonial Penn does not offer term life insurance in Maine, Massachusetts, Montana, New York, or Vermont. New policies are only available until age 75 but, if you already have coverage in place with Colonial Penn, you can continue to renew annually and maintain coverage until age 90.
Colonial Penn Guaranteed Acceptance Program
Colonial Penn’s Guaranteed Acceptance Program is a whole life insurance policy with a limited death benefit, and is often marketed to seniors that want to reduce their family’s financial impact upon their death.
Unlike some final expense insurance products that let you choose a particular payout, Colonial Penn collects your age, gender and location, then assigns you a “unit” of coverage which can be purchased for $9.95 (you can purchase up to 8 units of coverage). Since the price is fixed, the amount of coverage available per unit varies according to your risk profile. The minimum value of a unit of coverage is approximately $400 and the maximum is approximately $2,100, meaning the maximum death benefit you could select, assuming you qualified, is less than $17,000.
As an example, for a 60 year old woman, 1 unit of coverage would provide a $1,621 death benefit. If she wanted coverage to take care of all the costs associated with her funeral (the average cost being around $10,000), she could purchase 7 units of coverage for $69.95 per month. This would offer a total death benefit to her beneficiary of $11,437 when she passed (7 multiplied by $1,621).
Since the Guaranteed Acceptance coverage is a form of whole life insurance, it accumulates a cash value which can be borrowed against at an 8% annual interest rate.
Cost
Monthly premiums are directly tied to the number of units of coverage purchased, with 1 unit equaling $9.95 per month. Since you can purchase up to 8 units, the maximum monthly premium is $79.60 (8 multiplied by $9.95/mo). Keep in mind that, if you pay annually, you receive a discount equal to one month’s premium, or an 8.3% discount for the year.
Restrictions
A Guaranteed Acceptance policy can only be purchased between the ages of 50 to 85, and the policy’s death benefit is limited for the first 2 years of coverage. This just means that, in the case that you died during the first 2 years of coverage, unless your passing was considered to be an accidental death by the insurer your beneficiaries would only receive a minor payout (the sum of your premium payments with 7% interest compounded annually). This type of clause is regularly included by every insurer that offers guaranteed acceptance policies, as it wouldn’t be economical for them to offer such a product otherwise.
Colonial Penn Whole Life Insurance
If you’re willing to answer health questions about yourself or haven’t yet reached 50, Colonial Penn offers traditional whole life insurance as an alternative to their Guaranteed Acceptance Program. Since they’re better able to assess your risk through the health questions, this policy’s death benefit can be as high as $50,000 in value, though this is still significantly lower than what is available through alternate insurers.
Cost
Colonial Penn’s whole life policy lets you choose the particular death benefit you want, meaning premiums vary based upon your risk profile. To give you a sense of the range of monthly premiums, we’ve pulled sample rates for the maximum and minimum coverage amounts offered:
40 Year Old Male 40 Year Old Female 75 Year Old Male 75 Year Old Female
$10,000 Death Benefit $18.71 $14.36 $118.29 $94.07
$50,000 Death Benefit $76.04 $56.79 $576.44 $455.36
These quotes are meant to be illustrative and are not binding. You may be quoted a different amount based upon your personal details.
Restrictions
Colonial Penn does not offer whole life insurance in Maine, New York, or Vermont, and policies can only be purchased between the ages of 40 and 75.
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