Final expense life insurance is designed for a specific need. The face value of a life insurance policy is paid to the policyholder's beneficiary at the time of death. In most cases, the money is received by the beneficiary on a tax-free basis, and no additional fees need to be paid. The beneficiary can use the money to pay the policyholder's final expenses such as funeral costs.
By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone.
To put the cost of life insurance in perspective, anyone who has cable or satellite TV your paying more for entertainment than you would for life insurance. If you have a car payment you have car insurance, those costs are higher than that of life insurance. If you have a cell phone, your monthly phone charge is higher than that of life insurance premium. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance.
While the price of food, fuel, utilities increasing and our budgets shrinking, life insurance premium is guaranteed to remain the same. Final expense insurance will give you peace of mind knowing the most expensive bill you are leaving behind for your family will be paid. If you are an individual who is on a fixed budget and living paycheck to paycheck, chances are your next of kin will be too.
Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place initially.
There are many reasons to benefit from owning a life insurance policy but not 1 reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop. In a just a few minutes you can be qualified and enrolled. Coverage begins after 1 monthly premium.
Respectfully,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Sunday, October 28, 2012
Monday, October 1, 2012
The value of life insurance
Final expense life insurance is designed for a specific need. The face value of a life insurance policy is paid to the policyholder's beneficiaries at the time of death. In most cases, the money is received by the beneficiaries on a tax-free basis, and no additional fees need to be paid. The beneficiaries can use the money to pay the policyholder's final expenses such as funeral costs.
By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone.
To put the cost of life insurance in perspective, anyone who has cable or satellite TV your paying more for entertainment than you would for life insurance. If you have a car payment you have car insurance, those costs are higher than that of life insurance. If you have a cell phone, your monthly phone charge is higher than that of life insurance. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance.
With the price of food, fuel, utilities increasing and our budgets shrinking, life insurance is proven to be the financial comfort needed the most. If you are an individual who is on a fixed budget and living paycheck to paycheck, chances are your next-of-kin will be. Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Worrying about how to pay for the funeral and end of life costs should not take precedence. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place.
There are many reasons to benefit from owning a life insurance policy but not 1 reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop. In a just a few minutes you can be qualified and enrolled. Coverage begins after 1 monthly premium.
Respectfully,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone.
To put the cost of life insurance in perspective, anyone who has cable or satellite TV your paying more for entertainment than you would for life insurance. If you have a car payment you have car insurance, those costs are higher than that of life insurance. If you have a cell phone, your monthly phone charge is higher than that of life insurance. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance.
With the price of food, fuel, utilities increasing and our budgets shrinking, life insurance is proven to be the financial comfort needed the most. If you are an individual who is on a fixed budget and living paycheck to paycheck, chances are your next-of-kin will be. Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Worrying about how to pay for the funeral and end of life costs should not take precedence. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place.
There are many reasons to benefit from owning a life insurance policy but not 1 reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop. In a just a few minutes you can be qualified and enrolled. Coverage begins after 1 monthly premium.
Respectfully,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Wednesday, September 12, 2012
Disease of the Endocrine System
The endocrine system is composed of glands which secrete hormones directly into the bloodstream. These hormones play a key role in regulating cellular growth and development and organ function. Hormones also play an instrumental role in regulating mood, appetite and metabolism, sexual and reproductive function and tissue function.
Cushing's Syndrome is one example of endocrine disease. Cushing's is caused by an excess of glucocorticoids. Excess secretions of mineralocorticoids and androgens may cause Cushing's.
The adrenal cortex is affected and typically shows up on CAT scan as enlarged. The cortex is the layer of tissue that surrounds the adrenal glands which sit atop the kidneys and is responsible for secreting the mineralocorticoids and androgens.
The signs and symptoms of Cushing's spread throughout the body. The tell tale signs of Cushing's are increased fat layer of the face, neck and trunk and a purple striae on the skin. Also, feeling of fatigue, muscle weakness, water retention, decreased libido, irritability, thinning hair, acne, thin extremities, high blood pressure and delayed wound healing.
Treatment plans include radiation, drug therapy, or removal of the adrenal glands. In which case, steroids must be taken lifelong. People who have Cushing's must wear a medical identification bracelet and carry a list of prescribed medication.
Always discuss any health issues you may be experiencing with your doctor at your annual physical examination.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Cushing's Syndrome is one example of endocrine disease. Cushing's is caused by an excess of glucocorticoids. Excess secretions of mineralocorticoids and androgens may cause Cushing's.
The adrenal cortex is affected and typically shows up on CAT scan as enlarged. The cortex is the layer of tissue that surrounds the adrenal glands which sit atop the kidneys and is responsible for secreting the mineralocorticoids and androgens.
The signs and symptoms of Cushing's spread throughout the body. The tell tale signs of Cushing's are increased fat layer of the face, neck and trunk and a purple striae on the skin. Also, feeling of fatigue, muscle weakness, water retention, decreased libido, irritability, thinning hair, acne, thin extremities, high blood pressure and delayed wound healing.
Treatment plans include radiation, drug therapy, or removal of the adrenal glands. In which case, steroids must be taken lifelong. People who have Cushing's must wear a medical identification bracelet and carry a list of prescribed medication.
Always discuss any health issues you may be experiencing with your doctor at your annual physical examination.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Monday, July 23, 2012
Health Insurance: careful not to use it
A medical record is kept on you each time you visit a medical facility. The date, physician seen, diagnosis, what symptoms brought you in and what treatment was administered. This medical record follows you. At the time of insurance application, the questions asked of you are both historical in nature and current. If you answer yes to a knock-out question, you are denied of health insurance.
Health care discussion between the political parties is an on-going
debate. Each side believes they have the answer to our health care crisis. Each side believes
their plan is better than the other. The carefully constructed health care plan is typed on the computer and printed out
on clean white paper. They speak about their plan standing
behind a podium patting themselves on the back for delivering a great speech
hearing their own voice. Looks good
sounds good so it must be the answer. Right?
The reality is the health care rule continues to dig a hole that widens and deepens with each passing year. Take a look at
individual health insurance policies. The people who hold them are self-employed or work for an
employer who does not offer insurance. They begin their search for insurance
carriers who write health insurance for individuals. Then chose a coverage plan
that best fits their needs and finances. Incidentally, individual policies are much more
costly, rated-up and
health profile scrutinized. For this
reason, policy premium is high and policy quality may be weak. The risk is not
spread out as it is with employer issued group policies.
The ideal person for an individual policy is one without any
ill-toward health conditions. The medical profile the insurance company expects a person
to have is an ideal weight and height ratio, normo-tensive, non-diabetic, no spinal/muscular
problems, no kidney stones, no meds etc. In other words, a very clean internal organ
system. That is fantasy. We are human and develop health issues, some
conditions beyond our control.
A person who lives a healthy lifestyle by eating right, exercising, doesn’t smoke or drink and
develops a health issue, the insurance company doesn’t care. You are penalized for
having a pre-existing condition. Doesn’t matter if you are asymptomatic and no
treatment plan is in effect, you will be penalized. If you were in a vehicle
accident and suffered minor or no injuries, you are penalized. The penalty is
higher premiums, exclusions, longer waiting periods, limited coverage or no coverage
on related condition, no coverage at all, lack of coverage.
When you change insurance companies, your medical record is part of the equation for determining your risk and premium cost. If a pre-existing condition
requires radiological testing or phlebotomy draws, the insurance company will
deny the claim. If an illness develops which can be traced back the very health
condition that is excluded from the policy, the insurance company reserves the
right to deny the claim.
After all, this is health insurance. The whole point of
health insurance is to insure the safety, quality of health and prolong life.
Insurance plans enable you to take extra care of your health. This is in part, because
when you do routine physical examinations and you are responsible for a nominal
sum to get check-ups rather than pay the actual fee, you would not tend to skip
these tests. Health insurance gives psychological
and financial relief that medical expenses will be paid.
Preventative care is the front line to keeping us healthy and
helping us to avoid trips to the emergency room. Preventative care is much less
expensive than treatment for chronic conditions that could have been avoided
with routine wellness checks.
Under individual policies the reality of the situation is
that if it is used, your premium is guaranteed to increase. Although, legally
you cannot be singled out for premium increase. The insurance companies provide reasons that are easily hidden
and clouded by: rising cost of health care, administrative
costs, a class increase and or there is something in your medical history. Aside from your annual wellness checks, be wise in your decision when paying a visit to your doctor.
The American political system is attempting to re-structure the health care rule. However, what they are proposing is not the answer. Americans will continue to jump through hoops to have access to medical care, long term policy affordability: not just 1 or 2 years of pocket-friendly premiums but long term affordability and the struggle with dictation from the insurance companies that tell us who, what, when and where.
Friday, July 13, 2012
Women's Health: Pap Test
What is a pap smear? The test is named after founder, Dr. George Papanicolaou. It is called a smear because your OB/GYN will take a scraping of the inner and outer area of the cervix and smear the cells on a microscopic slide. The cervix is the lower section of the uterus. All women should get a yearly pap test after their first menstrual cycle or after their first experience of having vaginal sex.
Women who have had a total hysterectomy do not undergo pap smears since the cervix has been removed. However, she is to continue with her pelvic examination. Those women who have had a partial hysterectomy are to continue with yearly paps as the cervix is left in place.
Women who are 70 years of age or older may discontinue the pap test if in the prior 10 years the results have been normal and continue with the pelvic examination.
When you make your appointment for your pap test, there are a few things to keep in mind so your doctor can get accurate cervical tissue sampling. For 2 days before a pap test DO NOT:
1. have sexual intercourse
2. douche
3. insert any medicated birth control, creams or lubrication into the vagina
4. sit in a bath or spa
Doing any of the above could possible skew the results of the test.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsaagent.com
Women who have had a total hysterectomy do not undergo pap smears since the cervix has been removed. However, she is to continue with her pelvic examination. Those women who have had a partial hysterectomy are to continue with yearly paps as the cervix is left in place.
Women who are 70 years of age or older may discontinue the pap test if in the prior 10 years the results have been normal and continue with the pelvic examination.
When you make your appointment for your pap test, there are a few things to keep in mind so your doctor can get accurate cervical tissue sampling. For 2 days before a pap test DO NOT:
1. have sexual intercourse
2. douche
3. insert any medicated birth control, creams or lubrication into the vagina
4. sit in a bath or spa
Doing any of the above could possible skew the results of the test.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsaagent.com
Wednesday, June 13, 2012
How to spot health scams
Health scams are also called health fraud. Many people are fooled into buying health products that sound so good they are immediately drawn into the product. Many don't do research into the product to verify if the claims have any truth behind them. As a result, money is spent on a poor quality product that may potentially cause illness.
Some products that are "miracle cures" claim to treat or cure different illness such as diabetes, cancer, arthritis. There are no "miracle cures" on the market. There is no one pill that can cure such chronic illness. There are no FDA regulated drugs that hold a claim "miracle cure". Taking such medication may cause a potentially harmful interaction with other medication you are taking.
We hear quite a bit about all natural products. Just because it is all natural does not mean it is safe. The flower Belladonna is natural. But if ingested in it's natural state is deadly. The flower has pharmacologic benefits such as atropine which is used in modern day medicine. Mushrooms are natural. But some species are poisonous if ingested in their natural state. If your taking in any all natural products for the first time, do you due diligence and make sure it is safe for YOU to take.
Your neighbor, friend, cousin or uncle may not have had any ill-toward side-effects toward a product does not mean it is safe for you. Always check with your doctor about your individual situation.
There are weight loss products that claim to be all natural and you will lose weight while you sleep and guaranteed to be effective. These are false claims. Again, there is no one pill that will drop the weight and keep it off. Always check with your doctor if you are deciding on a weight loss program. Know your health numbers and get a baseline physical.
Don't take the risk with your health or money because of guaranteed claims or personal success stories. Health fraud is very real. If it sounds too good to be true, know that it is false!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
The FDA defines health fraud as the deceptive promotion, advertising or sale of a product represented as being effective to prevent, diagnose, treat, cure or lessen an illness or condition, or provide another beneficial effect on health, but has not been scientifically proven safe and effective for such purposes. www.fda.com
Some products that are "miracle cures" claim to treat or cure different illness such as diabetes, cancer, arthritis. There are no "miracle cures" on the market. There is no one pill that can cure such chronic illness. There are no FDA regulated drugs that hold a claim "miracle cure". Taking such medication may cause a potentially harmful interaction with other medication you are taking.
We hear quite a bit about all natural products. Just because it is all natural does not mean it is safe. The flower Belladonna is natural. But if ingested in it's natural state is deadly. The flower has pharmacologic benefits such as atropine which is used in modern day medicine. Mushrooms are natural. But some species are poisonous if ingested in their natural state. If your taking in any all natural products for the first time, do you due diligence and make sure it is safe for YOU to take.
Your neighbor, friend, cousin or uncle may not have had any ill-toward side-effects toward a product does not mean it is safe for you. Always check with your doctor about your individual situation.
There are weight loss products that claim to be all natural and you will lose weight while you sleep and guaranteed to be effective. These are false claims. Again, there is no one pill that will drop the weight and keep it off. Always check with your doctor if you are deciding on a weight loss program. Know your health numbers and get a baseline physical.
Don't take the risk with your health or money because of guaranteed claims or personal success stories. Health fraud is very real. If it sounds too good to be true, know that it is false!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
The FDA defines health fraud as the deceptive promotion, advertising or sale of a product represented as being effective to prevent, diagnose, treat, cure or lessen an illness or condition, or provide another beneficial effect on health, but has not been scientifically proven safe and effective for such purposes. www.fda.com
Monday, June 4, 2012
Colon Cancer: 3rd leading cause of death
Colorectal cancer is the third most common cancer diagnosed in both men and women in the United States. The American Cancer Society's most recent estimates for the number of colorectal cancer cases in the United States are for 2012:
What's more of an inconvenience? A colonoscopy? or Colon cancer?
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
www.cancer.org
- 103,170 new cases of colon cancer
- 40,290 new cases of rectal cancer
What's more of an inconvenience? A colonoscopy? or Colon cancer?
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
www.cancer.org
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