They could be wrong on both counts.

Medical advances and healthier lifestyles have resulted in higher survival rates for many high-risk diseases, including breast cancer and diabetes, in the past decade. Insurance companies have responded with more affordable, albeit still rated, policies.

Insurance options are even available for those with the most catastrophic of illnesses, such as lung cancer or ALS (Lou Gehrig’s disease), where chances of surviving more than a couple years are slim. Graded benefit and guaranteed benefit products are viable alternatives to term and traditional whole life, which are practically impossible to get in these instances, according to Ryan Pinney, high-risk specialist with Pinney Insurance Group, an insurance brokerage firm in Roseville, Calif.

He says both are whole life policies that usually max out at ,000. Graded benefits pay a small percentage the first year, with a little more each year after that until the fifth year, when it levels off. He recommends this for people with illnesses with a longer survival prognosis like multiple sclerosis, prostate or colon cancer. Pinney says the cost varies greatly, depending on age, illness and whether the person smokes.

With guaranteed whole life insurance, there are no questions asked and no medical exam. Anyone can get it, but it costs about ,000 a month for a 40-year-old and about ,000 a month for someone 50 or older, Pinney says.

“To make this worthwhile you need to live at least three years, but not more than eight years. After eight years it is a losing investment,” Pinney says.

Someone with Alzheimer’s could not get insurance with most companies not only because of the terminal nature of the illness, but because you have to be cognizant when signing a policy, says Dr. Craig Davidson, senior medical director with The Hartford.

Pinney says those with high-risk, but not terminal, illnesses can expect to pay 25 percent to 50 percent more per month in premiums, if their eligibility falls below standard.He says if a standard policy costs 0 per month, someone with well-controlled diabetes could be rated in Table 2, at 0 a month. If they have Type 1 Juvenile Diabetes, they would be rated harsher, more like Table 4, at a cost of about 0 to 0 a month, he says.

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“Underwriters will look at the type of disease you have, at what stage the disease was detected, the type of treatment you are receiving, and the length of time the doctor gives you to live to determine if you will get insurance and how it is rated,” Pinney says.

The overall five-year relative survival rate for breast cancer from 1999-2005 was 89.1 percent, but only 5 percent if the cancer already metastasized, according to the U.S. National Institutes of Health National Cancer Institute Surveillance Epidemiology and End Results Cancer Statistics Review.

According to the American Diabetes Association, 23.6 million kids and adults have diabetes. It is the seventh leading cause of death. However, it is also controllable with a combination of nutrition, exercise and medication. Pinney and Davidson offer the following advice when it comes to purchasing life insurance.

Once you have purchased a policy, it can never be taken away from you and the price can never go up, as long as you pay the premiums every month, Davidson suggests. If you buy when you are healthy, you can get either term or whole insurance, whereas you can only get the more expensive whole life if you’ve been diagnosed with a high-risk illness.

Pinney says this is an alternative if you can’t get traditional life insurance or afford guaranteed benefit insurance. These policies are easy to get, relatively inexpensive and no medical test is required. However, they only pay out in the event of an accidental death, so it is a gamble you must decide that you want to take. “Chances are, the illness isn’t what kills you,” he says. He suggests these policies to people who have an illness with a longer lifespan, such as multiple sclerosis.

Underwriters look at the test of time, Davidson says. If your doctor can document you have been disease-free for at least five years (your cancer or leukemia has been in remission or your cardiac tests show no heart disease for that length of time, for instance) and that you have been leading a healthy lifestyle and following your doctor’s diet and medication directives, you could qualify for insurance, even if you’ve been denied in the past. He says companies don’t look at the number of heart attacks someone has had, for instance, but the severity of the attacks, how close together they were and if you now have a favorable cardiac testing.
If you’ve had a life insurance policy for years, especially if you bought it after the diagnosis, it might be less expensive for you to buy a new, better policy than to retain your current one if you have been disease-free for at least five years, Pinney says. Prices have been going down every year, and insurers should be amenable to providing you with a new policy. If not, he suggests switching to an agent who would be. He recommends reviewing your policy every two to three years, and changing whenever it is worthwhile cost-wise.
The best way to get insurance at lower rates is to stay or get healthy, Pinney and Davidson agree. Insurers look at you favorably if your doctor verifies that you exercise, lost weight, eat healthy, follow his advice, participate in wellness programs and visit him or her regularly.It’s good for your health and your pocketbook.

This article was originally published at Life Quotes, Inc.

Talk of coffee and the first ting that comes to mind is caffeine addiction and the ’unfortunate’ millions who need a cup to ’unlock’ themselves in the morning. Researchers at the Harvard School of Public Health point to unknown health benefits of Coffee in preventing prostate cancer.

Though caffeine is not the implicated compound, as similar effects were also noted with decaffeinated coffee, the benefit is in not doubt. According to the researchers, six or more cups of coffee cuts down the risk of all forms of prostate cancer by 19 percent and 41 percent for aggressive cancer. The proposed mechanism is through coffee’s effect on insulin and glucose metabolism. A fact supported by the diabetes protecting effects of coffee demonstrated in other studies.

This findings however should not mean that increasing coffee taking habits is recommended, though individuals already at said consumption levels have no reason to cut back.

Fish

The omega fats found in fish when part of the diet are beneficial in preventing hypertension, cardiac arrest and stroke. In prostate cancer, the role of a fish laden diet is seen in preventing aggressive forms like metastatic disease [44%] and death [66%] from prostate cancer through the anti-inflammatory actions of omega 3 fish oils.

The effectiveness of manufactured alternatives like fish oil supplements is yet to be studied.

Vegetables

With increasing affluence and the cultural impacts of globalization, diets around the world increasingly meat based and vegetable deficient. Vegetables are important sources of micro nutrients such as iron and vitamins Non-nutritive compounds such as the plant derived phytochemicals which have a role in preventing many diseases including cancer are another health benefit of including vegetables in your diet.

Soy products and broccoli family of vegetables have been show to reduce the chances of developing killer forms of aggressive prostate cancer. This is important because not all patients of prostate cancer die from the disease.

Meats and Dairy Products

Meat as many by now know is not the wisest of diet choices. Gout, cancer, diabetes, hypertension, stroke and heart attack are some of the medical conditions aggravated or caused by the breakdown of a meat heavy diet.

Lean meat [skinned chicken, fat stripped cuts], white meat [chicken, fish] over red meat [beef, pork, mutton] and substitution of meat with other protein sources like legumes and nuts are the four health rules on meat.

Dairy products are an important source of vitamin B12 whose deficiency leads to non-autoimmune pernicious anemia and dietary vitamin D which has a role in preventing prostate cancer.

Exercise

Exercise boots the immune system preventing pathological processes like inflammation and therefore keeping the doctor away.

Changes in the 21st century such as motorization and computerization of human lives has seen most of take up sedentary lifestyles. Physical activity such as two-three hours jogging, biking, swimming , playing tennis per week or alternatively a brisk 15-30 mins daily walk will go a long way in living a health life.

Dressing is important when undertaking vigorous exercises with special attention paid to appropriate footwear. A lifetime of high impact exercises like jogging may predispose to other medical conditions like hip and knee arthritis.

Exercise has been linked as a way to decrease aggressive forms of prostate cancer by improving general health

The same is true for persons suffering from cholesterol, heart disease or a stint in the heart, cancer, arthritis, multiple sclerosis, etc. You may have a medical condition which can be altered with time to reduce your risk, like diabetes, hypertension, cigarette or pipe smoking, alcoholism etc. Under these circumstances too, you are eligible for a high risk life insurance policy. The only thing you need to be clear about is the fact that your life is at a greater risk than a physically healthy individual. So all you need to do is pay a higher rate of premium on your high risk insurance policy

The insurance companies are very strict about giving high risk life insurance to people suffering from health issues. But you need not pay such a high rate of premium. All you have to do is prove to the insurers that your medical history shows that you are on the path of recovery or that you condition has improved and that you can keep you ailment to a minimum.

Ways to reduce your high risk life insurance premium include:

•    The way you drive on the road affects not only the other motorists but also your high risk life insurance policy premium. Too many traffic violations and speeding tickets can affect the rate of your insurance premium. Drivers with high risk life insurance can take driving lessons; ensure that the car has the requisite safety gadgets like anti – skid brakes etc. Act responsible and stay away from alcohol if you are taking the wheel. Since sports cars are looked upon as high risk commodities, exchange your sports car or vehicle with a family sedan to minimize risk and high premium rates.

•    People who suffer from high cholesterol or diabetes must immediately contact their doctor and take his advice on how to reduce their sugar or cholesterol levels, either by medicines or by natural means. This will help to effectively bring down the premium on your high risk life insurance policy.

•    Are you a heavy to moderate smoker or do you smoke the pipe, cigar or chew tobacco, dip, snuff or have a nicotine addiction? If you fall in the second category you have a better chance of getting a high risk life insurance policy with not so high premium rates.

Be it your existing medical condition, life style, profession or genetic make up, the different types of risk policies help you to assess whether you need to go for a low or high risk life insurance policy to ensure that neither you nor your family suffer in the long run.

A person in the high risk life insurance category doesn’t mean they cannot get life insurance cover of cheap life cover. Due to the nature of their health/ occupation, their insurance premium will be higher. Einsured life insurance helps you get no obligation quotes for your High risk life insurance in minutes.

1. You participate in hazardous activities or avocations (i.e. scuba diving, rock climbing, vehicle racing, flying as a pilot, etc.).
2. You have a health condition that is hard to insure (cancer, diabetes, heart disease, etc.).

Both of these circumstances mean that you are a higher risk for an insurance company to insure. Because you are a higher risk, your insurance will cost more.

Luckily, there are insurance agencies specialize in higher risk and impaired risk situations.

Just because you have sleep apnea, diabetes, a coronary artery stent, or other serious illnesses, doesn’t mean you should get turned down or be charged significantly higher premiums for whole, universal, or term life. An experienced life insurance agent can help you find higher risk insurance company that will provide you with the benefits and coverage that you and your family need.

An experienced agent with knowledge of higher risk insurance carriers will help you survey potential providers to find the best high risk insurance companies and higher risk life insurance rates.

Most insurers use mortality tables based on 30-year-old data (mortality tables are used to determine rates). Luckily, a handful of others employ “clinical medical underwriting”-an underwriting philosophy which takes into consideration the latest medical advances and lifestyle choices that allow people with health problems to live long lives. This is great news for an insured that has applied with a local agent that may not specialize in risky insurance situations. If you are deemed a high risk to an insurance carrier, you need to deal with an insurance agency that specializes in high risk situation. You agent will be able to discuss possible carriers that will insure your case based on the finding of your interview. Call an agent that specializes in high risk life cases.

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Another vital part the guide includes is the way to differentiate seriously healthy meals from what we used to regard as healthful but in fact harmful.

This book introduces recipes, purchasing lists, and numerous daily meal plans to assist you loss excess weight, lower blood sugar, reduced cholesterol, enhance digestive problems, boost power, enhance skin circumstances and suntain a superb mood too.

In a word, this is really a great guide that everybody must read. It tends to make a suitable strategy for men and women who wish to lose extra fat, a health care healthful method for folks who suffer from diabetes, heart problems or other comparable ailments, along with a healthy life guide for everybody.

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Is there anyone who should not try a detox diet?

Consult your primary care provider to find out if a detox diet is appropriate for you. A detox diet should not be used by pregnant or nursing women, children, or people with anemia, eating disorders, heart problems, lowered immunity, low blood pressure, ulcers, diabetes, epilepsy, cancer, ulcerative colitis, unless recommended and supervised by your primary care provider.

There are endless detox plans you can follow, so chose carefully. Some will advocate complete fasting or juice-only days, but beware of the health implications and never start such an extreme plan without consulting your doctor or a qualified nutritionist.

Detox Benefits

1. Improves symptoms of heartburn, constipation and gas and treats digestive disorders;
2. Boosts the immune system.

Allergies or sensitivies?

By and large, conventional health care only deals with masking the symptoms of allergies and food sensitivities, rather than attempting to resolve them. The first step that many alternative practitioners recommend is a change of diet that cuts out wheat and dairy foods, two common allergens. To do so is also the first step in “detoxing.” Higher levels of detoxing, as well as additional immune support through nutritional supplementation, have been known to help many allergy sufferers. Allergies are, however, almost by definition, a very individualized condition.

What happens after the detox?

Many of the foods that were eliminated during this diet can be allergenic. A natural health practitioner can help to systematically reintroduce food groups (wheat, dairy, gluten, corn) and note reactions to identify the food groups that may be aggravating health conditions such as sinus congestion, fatigue, skin conditions, arthritis and bloating and constipation. Flare-ups can occur, so supervision is recommended.