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.
Respectfully,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Friday, February 28, 2014
Sunday, February 9, 2014
Abdominal injuries can be life-threatening
Abdominal trauma is one of the most common causes of preventable trauma-related deaths.
The majority of abdominal injury is caused by blunt trauma. Blunt abdominal injury typically occurs when the abdomen is directly compressed by, or against, a fixed object. In many blunt trauma instances, the trauma may cause tears in the viscera of the solid organs, namely the spleen and liver. Other injuries may occur as the result of deceleration forces, which can cause tears in the fixed areas of the organs and the blood vessels, namely the liver and renal arteries. Blunt trauma may also cause ruptures in the hollow organs.
A person who sustained blunt trauma within the abdominal region, he or she may not show pronounced signs of the injury. In some instances, the individual may have little to no pain and will not show signs of the injury externally.
Seatbelts, car accidents, sports, hernias, direct abdominal muscle impact are all cause of abdominal trauma.
In many patients, organ damage, especially hemorrhage, may not become apparent for days or weeks. After this time, the patient may experience systematic dysfunction or organ failure. It is crucial those individuals who sustain extreme, direct impact to the abdominal region be examined thoroughly.
Abdominal trauma is complex in nature. The abdominal region is comprised of a number of organs, solid and hollow, major arteries, vessels, and tissue. An injury can have an impact on a number of areas within the abdominal region, which poses a significant risk to the individual. It is imperative to seek medical treatment right away.
Be safe,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
The majority of abdominal injury is caused by blunt trauma. Blunt abdominal injury typically occurs when the abdomen is directly compressed by, or against, a fixed object. In many blunt trauma instances, the trauma may cause tears in the viscera of the solid organs, namely the spleen and liver. Other injuries may occur as the result of deceleration forces, which can cause tears in the fixed areas of the organs and the blood vessels, namely the liver and renal arteries. Blunt trauma may also cause ruptures in the hollow organs.
A person who sustained blunt trauma within the abdominal region, he or she may not show pronounced signs of the injury. In some instances, the individual may have little to no pain and will not show signs of the injury externally.
Seatbelts, car accidents, sports, hernias, direct abdominal muscle impact are all cause of abdominal trauma.
In many patients, organ damage, especially hemorrhage, may not become apparent for days or weeks. After this time, the patient may experience systematic dysfunction or organ failure. It is crucial those individuals who sustain extreme, direct impact to the abdominal region be examined thoroughly.
Abdominal trauma is complex in nature. The abdominal region is comprised of a number of organs, solid and hollow, major arteries, vessels, and tissue. An injury can have an impact on a number of areas within the abdominal region, which poses a significant risk to the individual. It is imperative to seek medical treatment right away.
Be safe,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Thursday, January 23, 2014
Understanding Asthma made simple
In healthy lungs, airways are wide open allowing the passage of air to move freely. The bronchioles are free of inflammation and the cells are free of pathology. Secretions that are naturally present are kept at minimal. Capillaries are functioning properly delivering nutrient rich blood and allowing the even exchange of oxygen (O2) and carbon dioxide (CO2).
In the asthmatic lung, there is an absence of a symbiotic environment. The pathophysiology present are inflammatory cells. These inflammatory cells create edema (swelling) and damage the airway and blood vessels. Edema causes increased mucus secretion within the airway and a decreased ability to transport the secretions from the airway. The blood vessels respond to the edema by becoming sluggish. In other words, the secretions are getting in but not coming out. Airways are small, even the largest of them, but they are designed to be free of obstructions so air may freely move in and out.
Soon after inflammation sets in, the sensory nerves located within the airway are triggered. This hyperactivity is manifested by a cough or a wheeze. There are many treatment choices available to you. Your doctor will design a treatment plan for your own individual situation.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
In the asthmatic lung, there is an absence of a symbiotic environment. The pathophysiology present are inflammatory cells. These inflammatory cells create edema (swelling) and damage the airway and blood vessels. Edema causes increased mucus secretion within the airway and a decreased ability to transport the secretions from the airway. The blood vessels respond to the edema by becoming sluggish. In other words, the secretions are getting in but not coming out. Airways are small, even the largest of them, but they are designed to be free of obstructions so air may freely move in and out.
Soon after inflammation sets in, the sensory nerves located within the airway are triggered. This hyperactivity is manifested by a cough or a wheeze. There are many treatment choices available to you. Your doctor will design a treatment plan for your own individual situation.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Sunday, January 12, 2014
Final Expense life insurance is proven invaluable
How will your family pay for your final expenses?
Reason 4.
Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation from your treating physician. You will have the money to help get your affairs in order.
Life insurance premiums are easily calculated into your monthly expenses.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Accidents can happen any time. Catastrophic illnesses such as Cancer and cardiovascular disease are prevalent. Illness and accidents can change your life in a split second. Are you financially prepared to meet the demanding costs of health care and funeral expenses? The importance of preparing will provide peace of mind knowing there is a plan in place. Life insurance will cover the unpredictable and high expenses associated with end of life issues.
The time to buy life insurance is now. The younger you are the lower your premium. Today you are healthiest you will be. You are buying a financial plan that will provide asset protection for your family. If you have no spouse or children, you are still need life insurance. You are providing the finances needed to pay for final expenses generated by death. The world is nothing without free will. Everything must be carefully considered when financial responsibility is brought into question. It is whether you are willing to take those risks and use your individual situation to your own advantage.
We all have heard the tragic stories happening to people who experienced a sudden loss of a loved one and no life insurance was in force. The survivors are left with a major financial burden and many unanswered questions. Having a suitable plan in place will help your loved ones meet current financial obligations. Life insurance provides financial protection for them. You cannot be faulted for preparation.
It is important to do your research and decide which type of life insurance is suitable for you. Each of us has our own situation that is different from our neighbors and friends. Only you know what goes on in your household. Keep in mind, what may be best for someone else does not necessarily mean that is the best thing for you. Which is why YOUR needs must considered when purchasing a policy.
So, why have life insurance?
Reason 1
Do you have any bills, a mortgage? This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with.
Reason 2
Young, fit and healthy? Then this is the best time to get life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. And then if you develop any health issues throughout your life, it doesn't matter, because you already have the policy in force.
Reason 3
Are you married? Do you have a domestic partner? Should you parish and leave no money behind to help cover bills, you now just placed a heavy financial burden on your loved ones. Adding financial stress to an emotional time could lead to further catastrophe.
The time to buy life insurance is now. The younger you are the lower your premium. Today you are healthiest you will be. You are buying a financial plan that will provide asset protection for your family. If you have no spouse or children, you are still need life insurance. You are providing the finances needed to pay for final expenses generated by death. The world is nothing without free will. Everything must be carefully considered when financial responsibility is brought into question. It is whether you are willing to take those risks and use your individual situation to your own advantage.
We all have heard the tragic stories happening to people who experienced a sudden loss of a loved one and no life insurance was in force. The survivors are left with a major financial burden and many unanswered questions. Having a suitable plan in place will help your loved ones meet current financial obligations. Life insurance provides financial protection for them. You cannot be faulted for preparation.
It is important to do your research and decide which type of life insurance is suitable for you. Each of us has our own situation that is different from our neighbors and friends. Only you know what goes on in your household. Keep in mind, what may be best for someone else does not necessarily mean that is the best thing for you. Which is why YOUR needs must considered when purchasing a policy.
So, why have life insurance?
Reason 1
Do you have any bills, a mortgage? This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with.
Reason 2
Young, fit and healthy? Then this is the best time to get life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. And then if you develop any health issues throughout your life, it doesn't matter, because you already have the policy in force.
Reason 3
Are you married? Do you have a domestic partner? Should you parish and leave no money behind to help cover bills, you now just placed a heavy financial burden on your loved ones. Adding financial stress to an emotional time could lead to further catastrophe.
Reason 4.
Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation from your treating physician. You will have the money to help get your affairs in order.
Life insurance premiums are easily calculated into your monthly expenses.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Monday, December 9, 2013
Keep your health in check over the holiday season
Holidays are a time to celebrate family, friends...AND food. Tasting a little here and a little there quickly adds calories. Food testing while baking and cooking adds to caloric intake. Taking a little nibble when "no one is looking" adds in the calories. Don't forget the consumption of alcohol. Mixed drinks, wine, beer and yes, even the "girly, pretty colored" drinks all add up to increased caloric intake. By the end of the day or evening you could have easily ingested triple the amount of your regular dietary intake.
With calories, comes increased fat, sodium and carbohydrates. The body will only utilize what is needed and stores the rest as fat. Unused carbohydrates are stored as fat. Excess sodium will hold on to water. In the short time it takes to ingest mass quantities of calories, it will take days or weeks for your body to rid the excess assuming you splurge only once. What you do today determines your health later years.
After food and alcohol is digested the liver, kidneys and cardiovascular system is flooded with toxins. A whole cascade of events takes place with a rash of increased enzymatic and hormonal activity. All of which has health consequences. Rather than put your internal organs at risk for disease or illness, just simply avoid over-eating/drinking and keep yourself in check. Eat off smaller plates. If that is not possible, simply give yourself smaller portions. Limit alcohol intake.
With calories, comes increased fat, sodium and carbohydrates. The body will only utilize what is needed and stores the rest as fat. Unused carbohydrates are stored as fat. Excess sodium will hold on to water. In the short time it takes to ingest mass quantities of calories, it will take days or weeks for your body to rid the excess assuming you splurge only once. What you do today determines your health later years.
After food and alcohol is digested the liver, kidneys and cardiovascular system is flooded with toxins. A whole cascade of events takes place with a rash of increased enzymatic and hormonal activity. All of which has health consequences. Rather than put your internal organs at risk for disease or illness, just simply avoid over-eating/drinking and keep yourself in check. Eat off smaller plates. If that is not possible, simply give yourself smaller portions. Limit alcohol intake.
Friday, November 15, 2013
Chronic kidney disease and salt intake
Reducing salt intake provides clear benefits for the heart and kidney health of patients with chronic kidney disease. Excessive salt intake is consistently linked to increased risk of heart disease and worsening kidney function. People with chronic kidney disease (CKD) may be particularly susceptible to salt's detrimental effects due to the kidney's important role in controlling salt balance and their increased risk of dying from heart disease.
Researchers found that on average, low salt intake reduced excess extracellular fluid volume by 1 liter, lowered blood pressure by 10 /4 mm Hg, and halved protein excretion in the urine, without causing significant side effects.
If maintained long-term, this could reduce risk of progression by 30%. Otherwise, progressing to end stage renal disease will require dialysis or transplant. Additionally, research suggests that salt restriction is an inexpensive, low-risk and effective intervention for reducing cardiovascular risk and risk of worsening kidney function in people with CKD.
www.sciencedaily.com
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Researchers found that on average, low salt intake reduced excess extracellular fluid volume by 1 liter, lowered blood pressure by 10 /4 mm Hg, and halved protein excretion in the urine, without causing significant side effects.
If maintained long-term, this could reduce risk of progression by 30%. Otherwise, progressing to end stage renal disease will require dialysis or transplant. Additionally, research suggests that salt restriction is an inexpensive, low-risk and effective intervention for reducing cardiovascular risk and risk of worsening kidney function in people with CKD.
www.sciencedaily.com
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Monday, October 28, 2013
Eight reasons to have final expense life insurance
Final Expense Insurance is designed to cover death related expenses, including funeral costs. Even if you already have life insurance, it is a good idea to take a separate policy to cover death related expense. Why? The reasons below explain why a separate final expense policy should be part of your estate planning.
The coverage you purchase is not for
yourself. It is for the benefit of your beneficiary.
Final Expense Insurance takes the
financial burden off your loved ones during a
highly emotional time.
The face value goes directly to your beneficiary
income tax free. This value added benefit allows you to gift money safely without having leaving a tax burden.
Your beneficiary may use any funeral home you
or they select. You have the option to decide to have the insurance check sent directly to your beneficiary or to the funeral home of choice.
Nursing homes, hospitals, and other creditors
cannot access your beneficiary's
benefits.
By pre-planning, you can decide and communicate how you want your final arrangements handled.
A final expense policy will provide you and your family financial peace of mind.
The longer you wait, the older you become the
higher the premium cost. The best time to buy a policy is now. You are the
youngest and healthiest you will be right now. Once you lock in your monthly premium
at your current age, they are guaranteed never to increase.
Good
health,
Trisha
M. Pacenti RN,BSN
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