Term life insurance insures your life for a specified time frame, usually between 10 and 30 years. If you outlive the term, your policy expires and your survivors don’t receive a death benefit from that policy. You may be able to renew a term life policy, or convert it to a permanent...
Term life insuranceis the most popular coverage option for most people, including smokers. It’s affordable, comes with few rules and tax restrictions, and only lasts for as long as you need it — usually 10 to 30 years — during the time of your life when you have the biggest expenses...
Evidence of smoking either e-cigarettes or tobacco shows up in the blood test that is usually given to those applying for a life insurance policy. Term life policies, which generally expire after 10 to 20 years, offer no death benefit or payout at the end, as opposed to whole life polici...
A male aged 45 and in average health (“Standard” in insurance jargon) would pay $174 per month as a “smoker,” but only $55 per month as a “non-smoker” for the same $500,000, 10-year term life policy. How the life insurance company classifies you can add up to a 68% savi...
E. Neil Schachter, MD, of Mount Sinai Health System in New York City, suggested toMedPage Todaythat the slow development of cancer itself, which requires multiple genetic mutations in the cells affected, may play a role in the long-term divergence of incident cancer rates. ...
CT screening As a radiologist, I am familiar with CT lung cancerscreening. CT stands for computed tomography, a sophisticated type of X-ray imaging. When lung cancer is diagnosed at an early stage,long-term survivalis 70%, compared to only 5% when it has spread to other parts of the bod...
Recent immigrants face the stress of acculturation, immigration- related issues, inadequate health insurance access, lack of family and social networks, lack of knowledge about the short-and long-term consequences of exposure to second-hand smoke (SHS), and the absence of culturally-appropriate and...
2.3 million new cases annually, which represents 11.7% of all cancers [4]. The long survival of breast cancer patients sets a new challenge for healthcare systems: How to successfully improve the quality of life of breast cancer patients during and after treatment, and in the long term [5]...
"Taken together with prior research, population-level proactive tobacco cessation outreach programs are judged to be highly cost effective over the long term," said the study's principal investigator Steven Fu, M.D., a professor in the Medical School on the Twin Cities campus and a Masonic Can...
Models developed in previous studies will be used to project the likely cessation rates into longer term estimates of life years gained. Assessment of efficacy The smoking outcome measure used to estimate efficacy will be self-reported, prolonged abstinence from smoking from 4 weeks after ...