Friday, February 24, 2012

Final Expense Insurance

Burial insurance, also known as final expense insurance is life insurance with a specific need: to cover funeral expenses. Policy face amounts typically start at $6,000.00 and can be written up to $25,000.00. Face amounts are customized to your needs. At the time of application, you can decide what is best for you and the face amount may be adjusted accordingly. Your policy will cover the extra incidental expenses associated with funerals. Typically, those incidental expenses are not considered until it is too late.

Final expense insurance is not just-in-case insurance as with health insurance, auto insurance, flood insurance, etc. Death is the final chapter in life. We don't know when death will call upon us. The likelihood of death happening is 100%. Preplanning alleviates loved ones of having to make difficult decisions or to face financial concerns during a very emotional time.

If you just don't want to think about death and have not come to terms about your own mortality, here is something to consider. Throughout your life you earn a modest wage to provide food, clothing, shelter and medicine for yourself and family. The cost of living has increased, you want to cut corners and consider not buying any more insurance. You might think it is burdensome. You might think it is worthless to you. When the day your life ceases to exist, your policy will come alive and get to work. Through your policy, your final expenses will be paid. Your policy will take away financial concerns. Your pre-planned policy will give you peace of mind and avoid any financial burden for those left behind.

Trisha M. Pacenti RN,BSN

Sunday, February 5, 2012

Adding fiber to your diet is more important than you think

Almost everyone hears about the need for enough fiber in the diet. But few people understand the importance of dietary fiber - or where to get it. Fiber has the greatest influence on the digestion process.

Fiber is a virtually indigestible substance that is found mainly in the outer layers of plants. Fiber is a special type of carbohydrate that passes through the digestive system with minimal break down. 

Fiber helps contribute to a feeling of being full, which in turn can help prevent obesity from overeating. Obesity is the most common form of malnutrition and is a factor in the two major causes of death - heart disease and cancers. So any food that helps people limit calories is beneficial.

Fiber can decrease the limit of food intake because the contents in the stomach are bulkier and stay there longer. Additionally, fiber slows digestion and absorption so that glucose in food enters the bloodstream more slowly. This is turn keeps blood sugar on a more even level. When fiber is broken down within the large intestine by bacteria, simple organic acids are produced which helps to nourish the lining of the colon.

Increased gas is a common side effect of high-fiber diets. The production of gas is a by-product of fiber digestion. Fiber binds to water and keeps the water within the intestine. The fiber/water combination adds bulk and softens the stool.

Insoluble fiber cannot be dissolved in water. This is a preferred laxative to relieve constipation. Soluble fiber is made up of simple carbohydrates and it dissolves in water. Soluble fiber helps to lower cholesterol and blood sugar levels. Sources of fiber are found in bran, barley cereals, whole grain breads, beans, fruits and vegetables.

The bottom line, adding foods high in fiber will maintain a healthy colon, aid in digestion, lower risk of heart disease and colon cancer and help maintain a healthy weight. If you are unsure about how much daily intake of fiber should be or what foods are best for you, discuss this with your doctor.

Good health,
Trisha M. Pacenti RN, BSN