Derwentside Hospice Care Foundation – Willow Burn Hospice – Hospice Co Durham

#durham hospice

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Win your Happily Eve. Local hospice, Willow Burn, based in Lanchester are offering one very lucky couple the c. Read More

Consett Shop celebra. On Thursday 5th May the staff in our Consett Shop held a party to celebrate the annivers. Read More

Fantastic Volunteers. Our fantastic volunteers Julia and Beryl, together with the help of their friends, are b. Read More

Willow Burn Wonsie W. On Wednesday 20th April, St. Pius RC Primary School in Consett took part in a Willow Bur. Read More

Consett Shop holds 1. On 5th May Consett Shop will be holding a Birthday Party to celebrate the anniversary of. Read More

Thank you to our Vol. We recently held a bucket collection on the streets of Chester-le-Street raising a fanta. Read More

In Celebration of Qu. South Causey Inn are holding a special event on Thursday 21st April 2016 in celebration. Read More

Spring Fair held Sat. Our Spring Fair was an enormous success this year making a fantastic total of £5,821.92. Read More

Exhibition with a Te. On Thursday, 7th April 7 Willow Burn Hospice held an open day to unveil an exhibition wi. Read More

TEENAGER MAKES SPORT. A champion gymnast, whose dreams were shattered by a devastating injury, is making a spo. Read More

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Willow Burn is a registered charity, number 519659
and registered as a company limited by guarantee in the name of
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End of life care – Alzheimer – s Society #san #antonio #motels

#end of life palliative care

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End of life care

Background

Dementia is a progressive condition for which there is currently no cure. All people who develop dementia will have dementia at the end of their lives, either as the condition they die from or as a factor which may complicate the care of a different condition. Diminishing capacity means that it is important for the person with dementia to plan for the end of their life at an early stage. Problems with capacity and communication can also contribute to undignified treatment and the under treatment of pain in people with dementia at the end of their lives. Significant, co-ordinated and holistic support is needed to ensure that all people with dementia end their lives with dignity, free from pain and in the place of their choosing.

Alzheimer’s Society calls for:

  • Ensuring a good death for people with dementia. The Department of Health (2008) suggests that, for many, a good death would involve being treated as an individual, with dignity and respect. without pain and other symptoms, in familiar surroundings and in the company of close family and friends. Too often, however, people with dementia receive undignified treatment and are ending their lives in pain (Alzheimer’s Society 2012, Health Service Ombudsman, 2011, Commission on Dignity in Care for Older People, 2012, Royal College of Psychiatrists 2011) and partnership between dementia care and palliative care are undeveloped (NCPC, 2009). People with dementia may not be referred for specialist end of life care or receive inappropriate treatment. Alzheimer’s Society believes that people with dementia have the same right to a good death as people with other health conditions.
  • Advance planning for end of life care. People with dementia should be involved in decisions about end of life care wherever possible. However, as dementia advances, in many cases capacity is lost and decisions need to be made on behalf of the person with dementia. Advanced planning for end of life care is vital. At present, taboos about discussing death and poor understanding of dementia mean that these conversations do not take place between people with dementia, families, friends and health and social care professionals. People with dementia should be supported to use their rights, under the Mental Capacity Act in England and Wales, to identify whom they want to make decisions and any treatments they would not want. In Northern Ireland, the Assembly is developing mental capacity legislation.
  • Improved training for health and social care professionals. Declining ability to communicate characterises the later stages of dementia. Health and social care professionals should be trained to provide high-quality, person-centred care to improve dignity and quality of life even when communication has diminished. People working with someone at the end of their life also need to be able to communicate sensitively themselves, both to families and to the person with dementia, following best practice set out by the Social Care Institute for Excellence (www.scie.org.uk ).
  • Focus on quality of life, rather than length of life, in the final stages of dementia. Withholding or withdrawing treatment is especially ethically complex and emotionally challenging for a person with dementia as they may lack the ability to communicate, the capacity to make decisions and may not have prepared instructions about their wishes. The NICE-SCIE Guideline on dementia states that artificial feeding and hydration should not commence if disinclination to eat or inability to swallow is considered to be part of the progression of the disease and will not change in future (NICE-SCIE, 2007). Alzheimer’s Society believes that when someone with dementia is close to dying the main issue of concern should be quality of life and quality of death, not length of life. However, it is important that there is an honest and open discussion between medical professionals and family, friends and carers about any decisions to withhold or withdraw treatment. The quality of life and comfort of the person with dementia is paramount. Specialist palliative and comfort care should be available to the person at all times and appropriate emotional support should be available for families.
  • Improved emotional and spiritual support. Research has suggested that the emotional and spiritual needs of people with dementia are disproportionately neglected (Sampson et al, 2006). It is still possible for a person with advanced dementia to be depressed, distressed or upset. People with dementia must receive holistic care that recognises and responds to individual wishes and needs.
  • Improved planning and co-ordination of care. Only half of people who express a preference to die at home actually die at home (ONS, 2014). This places pressure on the NHS, causing 52 per cent of unplanned hospital admissions, and adversely impacts on the quality of care received by a person with dementia (ONS, 2014). Alzheimer’s Society supports the government’s goal of ensuring that more people die in a place of their choosing (Department of Health, 2008). To achieve this, the Society calls for the implementation of the Palliative Care Funding Review (Hughes-Hallet et al 2011). This would provide commissioners with funding for palliative care, regardless of setting, in-line with a person with dementia’s wishes.
  • Implement the recommendations of the Leadership Alliance for the Care of Dying People. In July 2014, new best practice guidance from the LACDP replaced the Liverpool Care Pathway. Alzheimer’s Society supports the LACDP’s recommendations that, in the final weeks and days of life, the dying person should be the focus of care. However, Alzheimer’s Society is concerned that the guidance does not have statutory force.
  • Assisted dying. Alzheimer’s Society is not calling for a change in the law on assisted dying or euthanasia, although we monitor changes in legislation to ensure that people with dementia are appropriately safeguarded. We believe that people with dementia are entitled to good end of life care. This includes use of advance care planning and advanced decisions to refuse treatment so that people with dementia can receive the treatment and care that responds to individual needs and wishes.

References

Alzheimer’s Society (2012) My life until the end: dying well with dementia
Baker et al, (2012) Anticipatory care planning and integration: A primary care pilot study aimed at reducing unplanned hospitalisation. British Journal of General Practice, 62(595):e113-20.
Commission on Dignity in Care for Older People (2012) Delivering dignity: Securing dignity in care for older people in hospitals and care homes. A report for consultation. Commission on Dignity in Care for Older People, London.
Cox and Cook, (2002) Caring for people with dementia at the end of life in Hockley J, Clark D, eds. Palliative care for older people in care homes. Open University Press, Buckingham: 86-103.
Department of Health, (2008) End of life care strategy.
Neuberger (2013), More Care, Less Pathway: Independent review of the Liverpool Care Pathway.
General Medical Council (2010). Treatment and care towards the end of life: Good practice in decision making. General Medical Council, London.
Health Service Ombudsman (2011). Care and compassion? Report of the Health Service Ombudsman on ten investigations into NHS care of older people. The Stationery Office, London.
Hughes-Hallet, T, Craft, A, and Davies, C (2011). Funding the right care and support for everyone: Creating a fair and transparent funding system: The final report of the Palliative Care Funding review.
Mitchell et al (2009). The clinical course of advanced dementia. New England Journal of Medicine, 361(16):1529-1588.
NCPC (2009), The Power of Partnership: palliative care in dementia.
NICE-SCIE (2007) Dementia clinical guideline: supporting people with dementia and their carers in health and social care.
Office of National Statistics (ONS) (2011). Deaths registered in England and Wales in 2010, by cause.
Office of National Statistics (ONS) (2014). National Survey of Bereaved People (VOICES), 2013.
Royal College of Psychiatrists (2011). National audit of dementia.
Sampson, E, Gould, V, Lee, D, and Blanchard, M (2006). Differences in care received by patients with and without dementia who died during acute hospital admission: a retrospective case note study. Age and Ageing, 35(2):187-9.

Alzheimer s Society factsheet about the later stages of dementia.

The National Council for Palliative Care is the umbrella organisation for all those providing, commissioning and using palliative care.





Facing the final stage of life #drake #hotel

#final stages of death hospice

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Facing the final stage of life

Some people have cancer that no longer responds to treatment and must face the fact that they will soon die. This is scary for the person who is sick and for those around them. The person with cancer may be in pain, may be bedridden, may be able to walk only a few steps, or may be confused. It s hard to watch someone you love go through this process of decline.

Being there

No matter how hard it may be, it s still important to try to be there for the person with cancer. They may feel lonely even if there are people around. This is because the people nearby may not be really in tune with what s going on with the person. You can be the one who is in sync with your loved one every step of the way. Just by staying close and listening with a smile or gentle touch, you show you are there. It takes courage and extra energy to do this.

Sometimes the person with advanced cancer may pull away from people and seem to be withdrawing as death nears. This is natural and is one way of disconnecting from life. This process and what you might expect at this time is described in our information called Nearing the End of Life . The best thing you can do at this time is take the person s cue simply stay in the background and be available. Try not to take this withdrawal personally or feel hurt when the person pulls away. It likely has nothing to do with you.

Talking about death and dying

Many people worry about what to say when a person talks about dying. But this is a common topic when facing cancer. Some people want to talk about the dying process they want to know what to expect. Some want to make sure that their wishes are followed when it comes to death they want to be sure that machines are not used to keep them alive. Some want to know how they will die, and ask, What will happen when I m actually dying? For answers to these questions and concerns, it helps to find experts in hospice care or care of the terminally ill. If you don t know the answers to specific questions, you can say, I don t know, but we can call some people who can help us with those answers. These professionals can guide you and the person with cancer by helping figure out things like living wills and advance directives and explaining the things that might happen as death gets closer.

Hospice staff members are used to answering these questions, and they are skilled in doing it in a supportive, caring way. Hospice gives expert, compassionate care for people with advanced disease. If you would like to read more about end-of-life issues or hospice care, please see our documents called Nearing the End of Life and Hospice Care . We also have information on living wills. advanced cancer. and caring for the cancer patient at home. (See the To learn more section.)

You may be asked, Why is this happening to me? It s very hard to hear this question because there is no answer. And it s heart wrenching to feel the pain that lies within questions like this. In most cases, the simple answer is I don t know. Holding your loved one s hand and letting them cry or talk about their sadness and regrets is the best you can do. Allowing a person to do this is a true help because many people avoid the subject of dying and won t allow themselves to share this pain.

Some people who know they re going to die feel the need to get some things off their chests. They may want to talk about some of the things they did in their life that they re not proud of or that they regret. They may want to apologize for these things. They may want to give you advice about the lessons they learned or instructions about what to do for them in the future. Respectfully listening and, of course, offering forgiveness and a loving attitude are often all that s necessary. There are no magic words for the dying person, but often your presence is all that s needed, and having an open heart is priceless.

Last Medical Review: 06/09/2014
Last Revised: 02/05/2015





Hospice and How It Can Help the COPD Patient AND Caregiver –

#end stage copd hospice

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Hospice and How It Can Help the COPD Patient AND Caregiver

Hospice can be an invaluable resource for people with end-stage COPD and their overworked, overwhelmed caregivers. But before I get into that, let me apologize. I’m writing 3 posts today, and they’re all a bit on the depressing side, because they deal with death.

I don’t mean to remove all hope for people fairly new to COPD as they read these posts. There are many opportunities for hope and a certain quality of life, even after a diagnosis of COPD. But it’s also a fact that COPD is a chronic, progressive illness for which there is no cure. Eventually, death does become a reality. It can take years, but it will happen at some point. So, while it’s important to live life to the fullest as long as you can, it’s also important for both patient and caregiver to prepare for what is coming in the future.

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So, this post is about how hospice can help, and the sooner it is initiated once the end is approaching, the better. Unfortunately, many people do not get referred to hospice (or are not ready to accept it) until far too late. And at that point, there may not be time for hospice staff to do what they are so good at. easing the way to a dignified, peaceful death.

My mom was referred to hospice during a recent hospitalization. and it turned out to be far too late. Although I have said that she was “dying for the last 2 years” more than once, in the end, she deteriorated so rapidly that we weren’t even thinking hospice before she went into the hospital. And then it was too late for her (or us) to reap the benefits, for the most part.

Hospice is a concept of care that provides comfort and support (on several levels) to patients and caregivers when traditional medical care can no longer prevent death from coming on, usually within a few weeks or a few months.

Hospice is a team-oriented approach that neither prolongs life nor hastens death. According to the Hospice Foundation of America, “the goal of hospice care is to improve the quality of a patient’s last days by offering comfort and dignity.”

Hospice care is not just about providing physical care, though that is certainly included. It’s also about the emotional, social, and spiritual impact of the disease and of the dying process.

Hospice does not usually refer to a place. 80 percent of hospice care is provided in the patient’s home. The emphasis is on enhancing comfort and reducing any pain or distress.

When the doctor says that nothing more can be done to improve or even maintain respiratory function, and that death is likely within the next one to six months, then hospice should certainly be considered. Hospice doesn’t mean giving up. it means making a conscious choice to focus on the quality of your life in your last days and then to go out on your own terms!

When you accept hospice, though, you are accepting that you will no longer be accepting life-sustaining or invasive treatments, except in the case of an emergency. It also entails acknowledging “Do Not Resuscitate” (DNR) status. In other words, if your heart or lungs stop working, you do NOT want emergency personnel to initiate treatment that would get things going again.

However, if you were to fall and hit your head or if you broke a bone, then emergency treatment for those would be acceptable, even if you are on hospice.

Once you go on hospice, you are not a prisoner. You CAN change your mind and go off of it. But you can only do that once or twice. So do not take the decision about hospice lightly. Make sure you are ready.

What Does Hospice Offer?

As I’ve already stated, hospice can be beneficial both to the patient and to the caregiver. I have been a COPD caregiver for more than 4 years, and it takes a toll. So, even if patients are willing to “go it alone”, keep in mind how helpful hospice can be to your caregivers.

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Most people who have hospice have Medicare health insurance, but both Medicaid and private insurance also often will cover hospice care in qualified people. Here are the hospice services typically covered by Medicare:

  • Nursing care and case management
  • Physician oversight sometimes home visits
  • Home health aide bath services
  • Medical appliances, medication, and supplies
  • Spiritual, dietary, and other counseling
  • Trained volunteers for patient companionship caregiver respite
  • Social work services
  • 24/7 on-call availability

Most people think of hospice in relation to cancer patients, but it can also be helpful to a respiratory patient. As death approaches in someone with COPD, breathing gets harder and harder and air hunger, fear and stress can develop.

Hospice nurses can help tweak oxygen levels and delivery methods, along with morphine and other medicines to control this air hunger and emotional stress. How much will that contribute to a more peaceful, gentler COPD death?

How to Learn More About Hospice

The Hospice Foundation of America website has lots of information about hospice, such as their Myths and Facts About Hospice page and their Hospice Stories section.

You can also talk with your doctor about hospice, and/or talk with the staff at one of the local hospices in your area. You should be able to find them listed on the Web or in the yellow pages of a phone book. Local hospitals may have their own hospices or be able to refer you to one as well.

My Personal Hospice Experience

My mom was diagnosed with COPD back in December 2005. Although she went on oxygen, for a couple of years, she still seemed pretty healthy. Then, in February of 2007, she developed pneumonia and was hospitalized. At that time, her doctor suddenly referred her to hospice, telling us it was not just for dying patients (which is not really true).

At that point in time, neither mom or I was prepared to think of her as imminently terminal, but we accepted hospice and they initiated services that seemed more like traditional homecare than anything else. Unfortunately, about 6 weeks later, mom’s femur broke and hospice was cancelled so she could have the leg surgically repaired.

2007 was a rough year, with 5 hospitalizations in total. On the 4th one, we thought we were going to lose Mom, but by 2008, she was on the mend and over the next year got better and better, often not really even needing her oxygen. Hospice was a distant memory.

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Towards the end of 2009, Mom’s breathing started to gradually worsen and I started wondering how much longer she could go on. But she soldiered on, adapting to every little change. Her current doctor talked about hospice when Mom started to ask questions about what the end would be like, but it still didn’t seem like time.

Then, in early November of 2011, Mom just suddenly decompensated, breathing-wise, and had to be hospitalized. Within a week, the doctors decided her lung deterioration was so far advanced, there was nothing more to be done, and started to prepare her to come home to die, which is what Mom wanted so badly.

A hospice referral was initiated, and they helped us with the whirlwind of preparation to bring Mom home on 12 LPM of oxygen (2 concentrators!), a CPAP machine, and kinds of other equipment and medication. It felt like we were setting up an at-home hospital room.

Mom came home on her birthday, and it was a joyful day for her, though also exhausting and with a few scary moments for both her and me. The hospice nurse spent 4 hours with us, getting us situated and setting up support services for the future. I was grabbing that lifeline, as the thought of being chained to my home 24/7 (Mom couldn’t be left alone) was pretty overwhelming and terrifying.

We thought we had at least 3 months to prepare and deal with the dying process. But Mom had other ideas. She passed away early the next morning. In the end, all that the hospice team was able to do for us was set things up and then to come out and pronounce her so that we didn’t have to call the police or coroner. Those things were great, but there is so much more hospice could have done for us, had there been more time.

So, our experience was that first we got hospice way too early and then in the end, way too late.

If you are starting to sense that your life is coming to a close, at least start thinking about hospice and what it can do for you and yours. Don’t wait until the end is right there before you take action!

Published On: December 08, 2011





Bingo Pet Hospice – Quality of Life for Your Senior Pet #rabbit

#hospice of greensboro

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Bingo Pet Hospice – Quality of Life for Your Aging Pet

Goodsearch.com and Goodshop.com

We have partnered with Goodsearch.com. Go to www.goodsearch.com. sign up and select Bingo Pet Hospice as your cause and start searching the web! With every search one penny is donated to your cause, Bingo Pet Hospice! Watch the pennies add up before your eyes! Check out GoodShop if you are making any purchases online and a matching percentage of your purchase will be donated to Bingo Pet Hospice.

We are trying to get 50 supporters by November so please help us out!

iGive.com

Help Bingo Pet Hospice every time you shop online, the iGive Button makes it simple. It’s all free and so easy to be socially-conscious!

The stores make this possible because they want you to like them and shop at them over and over again. There’s 1449 socially-responsible stores helping to make donations happen.

I hope you’ll give it a try. Here’s the link: http://www.igive.com/oOnygX7

Giving Assistant

Join us for a meeting at Meetup.com!

Bingo Pet Hospice engages our local veterinarians and community professionals to speak to our group about topics related to our beloved pets. In the past we’ve had the pleasure of having experts talk to us about arthritis, pet trusts, animal chiropractic services, homeopathic remedies and cold laser therapy just to name a few of our topics. Join us for one of our Meetups! Check out the News and Events page for upcoming meetings or visit our meetup site at www.meetup.com/bingopethospice.

Financial Assistance for Aging Pets

Caring for an aging pet can be an emotionally and financially difficult situation. Bingo Pet Hospice wants to ensure that the most is being done to create the best quality of life for your pet by providing financial assistance to those who are unable to take on the financial burden. By providing financial assistance, we hope to eliminate any obstacles to maintaining the family unit and keeping the pet comfortable and in the home with the owner they know and love. If you are in need, please fill out an application on our Financial Assistance page. If you are able, please donate to help us support our elderly pet population by sending a check by mail or making a credit card donation on this site.





End of Life Journal – BMJ Journals #footbridge #beach #motel

#end of life care issues

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End of Life Journal is a free, peer-reviewed journal for nurses and others working in health and social care. It promotes an integrated approach to practice and is aimed at those caring for dying people and their family/friends at home, in hospital and in care homes. It publishes articles from a range of professionals on all aspects of care relating to the end of life. The journal is keen to publish end-of-life care assignments, including master’s degrees, and will provide students with advice in relation to how best to adapt their course work into articles.

About End of Life Journal

Read the introductory editorial about the End of Life Journal and BMJ partnership to find out more.
Editorial

All content free

End of Life Journal is free to read. Simply register via this link

Communication Skills

Discover our special series of free papers that will help you conduct difficult conversations

St Christopher’s Hospice

St Christopher’s — exists to promote and provide skilled and compassionate palliative care of the highest quality

Email alerts

Make sure you’re aware of the latest research: sign up for free email contents alerts.

Submissions





Factors Associated With COPD Life Expectancy #cheap #motel #gold #coast

#hospice life expectancy

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COPD Life Expectancy

Bartolome R. Celli, M.D. Claudia G. Cote, M.D. Jose M. Marin, M.D. Ciro Casanova, M.D. Maria Montes de Oca, M.D. Reina A. Mendez, M.D. Victor Pinto Plata, M.D. and Howard J. Cabral, Ph.D. The Body-Mass Index, Airflow Obstruction, Dyspnea, and Exercise Capacity Index in Chronic Obstructive Pulmonary Disease . New England Journal of Medicine. Volume 350:1005-1012. March 4, 2004.

C B Cooper. Life expectancy in severe COPD. Chest. 1994;105;335-337.

Dubois P, Jamart J, Machiels J, Smeets F, Lulling J. Prognosis of severely hypoxemic patients receiving long-term oxygen therapy. Chest. 1994 Feb;105(2):469-74.

Gray-Donald, K, Gibbons, L. Shapiro, SH. Macklem, PT, Martin, JG. Nutritional status and mortality in chronic obstructive pulmonary disease. Am J. Respir. Crit. Care Med. Vol 153, No. 3, Mar 1996, 961-966.

Landbo, Charlotte, Prescott, Eva, Lange, Peter, Verstbo, Jorgen, Almdal, Thomas P. Prognostic Value of Nutritional Status in Chronic Obstructive Pulmonary Disease Am. J. Respir. Crit. Care Med. Volume 160, Number 6, December 1999, 1856-1861

Nishimura, Koichi MD. Izumi, Takateru, MD, FCCP, Tsukino, Mitsuhiro, MD, Oga, Toru, MD, and on Behalf of the Kansai COPD Registry and Research Group in Japan. Dyspnea Is a Better Predictor of 5-Year Survival Than Airway Obstruction in Patients With COPD. CHEST May 2002 Vol. 121 No. 5 1434-1440.





SCIE: End of life care #book #a #hotel #online

#what is end of life care

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End of life care

Information and links for professionals who support people and their families at the end of life

This resource is for people who work with adults who are approaching the end of life. Some 500,000 people die each year and, because of the ageing population, that number is predicted to rise over the next few years. It’s important that social care and health professionals who work with people at the end of life and their families have access to high quality resources and information so they can give the best care possible.

This guide is about enabling people who want to die at home to do so and improving the quality of care they receive.

Specific needs of people with dementia at the end of their lives.

Eight films that explore different aspects of end of life care. These films can be used in group training or for professional self-development.

SCIE’s resources support the professional development of health and social care staff who work with people at the end of their lives and their families.

Evidence-based information describing high quality end of life care from the National Institute for Health and Clinical Excellence (NICE).

Find out about the innovative end of life care practice of other organisations and share your own ideas with others working in the sector.





Life Choice Hospice Business Review in Birmingham, AL – Central and South

#life choice hospice

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Business Review

BBB Accreditation

Life Choice Hospice is not BBB Accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

Factors that lowered Life Choice Hospice’s rating include:

  • Failure to respond to one complaint filed against business.

Factors that raised Life Choice Hospice’s rating include:

  • Complaint volume filed with BBB for business of this size.

Customer Complaints Summary

1 complaint closed with BBB in last 3 years 0 closed in last 12 months

Advertising Review

BBB has nothing to report concerning Life Choice Hospice’s advertising at this time.

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

Additional Information

BBB file opened: 12/04/2013

Licensing

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Alabama Department of Public Health
251 N Bayou St
Mobile, AL 36603-5827
(334) 206-5300
http://adph.org

Business Category




Acquisition doubles size of Life Choice Hospice #motels #in #columbus #ohio

#life choice hospice

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Acquisition doubles size of Life Choice Hospice

By Harold Brubaker, Inquirer Staff Writer

Posted: December 20, 2012

Life Choice Hospice, of Dresher, has expanded from three to 12 states and more than doubled its size with the $85 million purchase this month of SolAmor Hospice Corp. from Genesis Healthcare Corp.

Genesis, a national nursing home and rehabilitation company in Kennett Square, retained a one-third stake in Life Choice, which was founded in 2003 in Philadelphia and sold in 2009 to investors counting on increased demand for hospice services as the U.S. population ages.

Despite the turmoil in the health-care sector and broad efforts to reduce spending, prospects for hospice care remain strong, Life Choice chief executive David Glick said Tuesday.

“I think hospice is seen as the lowest-cost end-of-life care,” said Glick, who is based in Life Choice’s River Edge, N.J. office, in New York’s suburbs.

At the end of 2009, when investors, including Formation Capital, which also controls Genesis, bought Life Choice, the company was caring for 125 patients a day on average, Glick said.

That number had climbed to 700 patients – with much of the growth from internal expansion rather than acquisitions – before the purchase of SolAmor on Dec. 3. With that deal, the average stands at 1,750, Glick said.

The hospice industry overall has been growing rapidly.

The number of Medicare-certified hospice organizations climbed 53 percent between 2000 and 2010, with for-profit providers accounting for almost all of the increase, according to a March report by the Medicare Payment Advisory Commission.

Over the same period, Medicare spending on hospice services for people with no more than six months to live more than quadrupled to $13 billion, as more people chose hospice care and the length of time spent in hospice care increased for some, the congressional advisory group reported.

In 2010, 44 percent of the Medicare beneficiaries who died received hospice care, up from 22.9 percent of those who died in 2000, the group said.

Medicare’s payment this year for routine hospice care at home is $151 a day.

The growth has attracted investors. The number of acquisitions in the hospice industry soared from about a dozen in 2007 to more than 40 in 2011, according to the Braff Group, a Pittsburgh mergers-and-acquisition advisory firm specializing in health-care services.

Investors “see in the hospice space, and I would say correctly so, an escalating demand for hospice services as a function of demographics and an embracing of the hospice paradigm,” said Steven Braff, managing director at the Braff Group.

Moreover, the federal government has left reimbursement levels for hospice care unscathed compared with those for hospitals, nursing homes, and home health-care providers, Braff said.

Life Choice founder Doug Kosmin remains president and will oversee operations in Pennsylvania and New Jersey.

“Doug had a good product to begin with, and we did our best to improve it,” Glick said.





Circle of Life Hospice #palliative #care #online

#circle of life hospice

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Circle of Life Hospice

Circle of Life is a non-profit hospice serving residents of Northwest Arkansas in Benton, Washington, Carroll and Madison counties. Our team of doctors, nurses, chaplains, social workers, hospice aides, bereavement counselors and trained volunteers works with our patients and their families to provide quality end-of-life care in homes, nursing facilities and at our hospice homes in Bentonville & Springdale.

Volunteering at Circle

At Circle of Life Hospice, we love our volunteers! They are a critical part of our care team, serving our patients and families in both direct care and supporting roles. They generously give their time and talents to help in so many ways. The reasons people volunteer are endless but the one thing they have [ ]

Remembering Dad

For those of us who have lost a parent, these days renew our pain of loss as well as bring a time of honoring and remembrance. Whether our father died a few weeks ago or years ago, these holidays bring a flood of memories and a mixture of sadness and joy and the question of [ ]

Contact Information

901 Jones Road
Springdale, AR 72762

1201 NE Legacy Parkway
Bentonville, AR 72712

Words of Thanks

  • Thank you so much for caring for our wonderful friends and families. Keep up the great work. We appreciate you so very much.
  • I just wanted to thank you so much for your help and kindness during my father’s last days. You and your staff made a difficult situation so much easier for all involved. My family and I deeply appreciate all that you did for us.
  • Many thanks for the good care you gave our loved one.
  • Thank you for all the love, care and support you provided us. We are so grateful for our great opportunity to reconnect with mom and make lasting memories. You helped make mom’s time with us better as she prepared you for her heavenly home.
  • The staff at Circle of Life will never know how much we appreciated the care given to our parents. Each of you is unique in your own ways.
  • Thank you for your wonderful care. Circle of Life is a wonderful place and we appreciate you all so much. Thank you for your kind and gentle care of our family member.
  • My family was so pleased with how you took such good care of my wife in her final days.
  • Thank you so much for the love and care of our loved one. Your kindness will live on in our hearts forever.
  • Your care of mom was such a blessing – at our home and at the hospice home. Such kindness and genuine love for those who are dying. You all provide such a valuable service. May God bless you in return.
  • Thank you so much for the excellent care of our loved one at this most difficult time of life.
  • Thank you so very much for the care and compassion you showed mom. She loved you all and you made her last year much better.
  • Many thanks to all of you for the wonderful thoughtfulness, care and kindness for our friend and his family in his final days.





  • Hospice palliative and end of life care #roosevelt #hotel

    #hospice end of life care

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    Hospice, Palliative and End-of-life Care

    What is hospice care?

    Hospice care aims to improve the lives of people whose illness is no longer curable. It helps them to live as fully as possible to the end. It seeks to relieve the physical symptoms of illness while equally addressing the patient’s emotional and spiritual needs. Hospice care also provides support to families and those who are important to the patient, and extends its reach into bereavement.

    Hospice care can be provided in various care settings, such as a hospice, people s homes, a hospital or a nursing home.

    What is palliative care?

    The terms hospice care and palliative care are sometimes used interchangeably. Palliative care is the term generally used by those working in the health service.

    Palliative Medicine is a recognised medical specialty in Ireland. A doctor specialising in this area is known as a Consultant Physician in Palliative Medicine or Palliative Care Consultant. Specially trained nurses working in hospices or as part of a specialist palliative care team in a hospital or in the community are Clinical Nurse Specialists (CNS) in Palliative Care.

    Click here for the World Health Organisation s definition of palliative care.

    What is end-of-life care?

    Understanding of the term ‘end-of-life care’ is not universal. In the Irish Hospice Foundation we use this term to refer to all aspects of the care provided to a person with a life-limiting illness, from the time of diagnosis through the last months of life, up to and including the final hours. We consider end of life to be a continuum rather than a point of time.

    For more detailed information on these and other terms as used by the Irish Hospice Foundation, see Definitions.





    End-of-Life Decisions – End of Life Issues – California Medical Association #kansas

    #end of life issues

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    End-of-Life Decisions

    California law provides individuals the ability to ensure that their health care wishes are known and considered if they become unable to make these decisions themselves.

    The California Medical Association (CMA) encourages Californians to think and talk with loved ones about their wishes for end-of-life medical care before a serious illness or injury occurs. CMA has developed a number of guidelines, forms, and other resources to assist providers, patients, and loved ones with making important end-of-life decisions.

    NEW! California s End Of Life Option Act

    On October 5, 2015, California became the fifth state in the nation to allow physicians to prescribe terminally ill patients medication to end their lives. ABX2-15, the “End of Life Option Act,” permits terminally ill adult patients with capacity to make medical decisions to be prescribed an aid-in-dying medication if certain conditions are met. The following document discusses the requirements under the End of Life Option Act, which went into effect June 9, 2016:

    • CMA On-Call #3459: The California End of Life Option Act
    • On-demand webinar: The California End of Life Option Act: An Overview

    Advance Health Care Directive

    In California, advance directives are the legally recognized format for living wills. An advance directive enables individuals to make sure that their health care wishes are known in advance and considered if for any reason they are unable to speak for themselves. Advance directives also allow patients to appoint a health care “agent” who will have legal authority to make health care decisions in the event that the patient is incapacitated, or immediately upon appointment if the patient expressly grants such authority.

    See below for more information about advance directives, or to purchase CMA’s Advance Health Care Directive Toolkit, available in English and Spanish:

    • CMA Advance Health Care Directive Kit in English (rev. 3/14)
    • CMA Advance Health Care Directive Kit in Spanish (rev. 9/14)
    • CMA On-Call #3451. Decisions Regarding Life-Sustaining Treatment – Advance Directives and POLST (2015)
    • CMA On-Call #3450. Decisions Regarding Life-Sustaining Treatment for Patients Without Advance Directive or POLST (2015)

    Physician Orders for Life-Sustaining Treatment

    Physician Orders for Life Sustaining Treatment (POLST) in 2009 became a legally recognized document, similar to the widely used do not resuscitate (DNR) orders. The POLST form, used for patients with a serious illness or whose life expectancy is a year or less, outlines a plan of care reflecting the patient s wishes concerning medical treatment and interventions at life s end. The POLST form complements an advance directive by turning a patient s treatment preferences into actionable medical orders.

    See below for more information about POLST, or to purchase CMA’s POLST toolkit, available in English and Spanish:

    • 2016 POLST form (effective January 1, 2016)
    • CMA POLST Kit in English (rev. 12/15)
    • CMA POLST Kit in Spanish (rev. 10/14)
    • CMA On-Call #3451. Decisions Regarding Life-Sustaining Treatment – Advance Directives and POLST (2015)
    • CMA On-Call #3450. Decisions Regarding Life-Sustaining Treatment for Patients Without Advance Directive or POLST (2015)

    Do Not Resuscitate (DNR) Form

    The Pre-Hospital DNR form, developed by the California Emergency Medical Services in conjunction with the California Medical Association, instructs EMS personnel to forgo resuscitation attempts in the event of a patient’s cardiopulmonary arrest. Below you will find CMA resources that include additional details about DNR requests and purchasing information for the DNR form in English and Spanish.

    • Do Not Resuscitate Form in English
    • Do Not Resuscitate Form in Spanish
    • CMA On-Call #3453. Decisions Regarding Resuscitative Measures DNR Requests Orders and Cardiopulmonary Resuscitation (2015)

    Other Resources

    CMA’s Health Law Library
    Updated annually, CMA’s online health law library contains nearly 5000 pages of valuable information for physicians and their staff. The CMA Center for Legal Affairs has developed several On-Call documents on important end-of-life issues in the medical practice. Access to the library is FREE to members. Nonmembers can purchase documents for $2 per page.

    • On-Call #3452. Documenting Decisions Regarding Life-Sustaining Treatment
    • On-Call #3454. Decisions Regarding Life-Sustaining Treatment and the Patient Self-Determination Act and Joint Commission
    • On-Call #3455. Physician-Assisted Suicide
    • On-Call #3456. Responding to Request for Non-Beneficial Treatment
    • On-Call #3458. CMA Model Policy: Responding to Requests for Non-Beneficial Treatment
    • On-Call #3400. Autopsies
    • On-Call #3401. Organ and Tissue Donation
    • On-Call #3402. Pronouncement of Death and Death Certificates
    • On-Call #3403. Pronouncement of Death Diagnosis of Death by Neurologic Criteria

    For Patients
    For more information about end-of-life medical decisions, visit the Coalition for Compassionate Care of California (CCCC) website, www.coalitionccc.org.

    The booklet Finding Your Way was written by the Center for Healthcare Decisions as a useful guide to thinking about and discussing end-of-life issues. To order a copy, visit the CCCC website or call the organization at (916) 489-2222.

    If you have a serious medical condition or have been diagnosed with a terminal illness, CMA encourages you to talk to your doctor about POLST. Before initiating that conversation, you may wish to visit www.capolst.org or the California Coalition for Compassionate Care website for more information.

    For Providers
    End-of-life resources for health care providers are available at the Coalition for Compassionate Care of California website. CCCC also provides decision guides. palliative care tools and resources for physicians.





    Terminal Illness – End of Life Fasting, Prayopavesa, Santhara #hospice #of #broward

    #what is a terminal illness

    #

    Life Beyond Death

    The purpose of death
    The nature of life after death
    How we can prepare for death
    How we can assist the dying

    Terminal Illness – End of Life Fasting

    Most people would consider terminal illness to be the worst misfortune that can happen in life. And yet, from a spiritual perspective, terminal illness offers certain opportunities that are not available in the case of sudden death. During a terminal illness, we have time to settle our personal affairs, prepare ourselves and our loved ones and address any unfinished business. Also, we have an opportunity to apologize to people we’ve hurt and to forgive those who’ve hurt us. These simple acts can resolve deeply held psychic impressions, which otherwise we would have to carry with us into the next world. If we take advantage of these opportunities, we can pave the way for a smooth transition after death. For this reason, ancient sages considered terminal illness to be preferable to sudden death.

    During terminal illness, people will sometimes turn to suicide in an effort to avoid the onslaught of physical and emotional pain. But even in this case, suicide is not a good idea, for reasons outlined in the previous chapter (see Suicide ). However, certain ancient traditions offer an alternative in this situation – a voluntary ritual fasting reserved for the terminally ill, called Prayopavesa (Hindu) or Santhara (Jain). Below is a brief explanation of Prayopavesa by Satguru Subramuniyaswami, abbot of the Saivite Hindu monastery on Kauai, Hawaii. Subramuniyaswami himself observed Prayopavesa after he was diagnosed with terminal cancer in 2001. During his fast, he continued many of his daily duties and passed away peacefully on the 32nd day.

    Prayopavesa. by Satguru Sivaya Subramuniyaswami

    In cases of terminal disease or great disability, religious self-willed death through fasting – Prayopavesa – is permitted. The person making such a decision declares it publicly, which allows for community regulation and distinguishes the act from suicide, performed privately in traumatic, emotional states of anguish and despair.

    Ancient lawgivers cite various stipulations: 1) The inability to perform normal bodily purification. 2) Death appears imminent, or the condition is so bad that life’s pleasures are reduced to nil. 3) The action must be subject to community regulation.

    The gradual nature of Prayopavesa is a key factor distinguishing it from sudden suicide, for it allows time for the individual to settle all differences with others, to ponder life and draw close to God, as well as for loved ones to oversee the person’s gradual exit from the physical world. In the ideal practice, one begins by obtaining forgiveness and giving forgiveness. Next, a full discussion of all karmas of this life and confessing one’s wrongdoings. Thereafter, attention is to be focused on scripture and the guru’s noble teachings. Meditation on the innermost, immortal Self becomes the full focus as one gradually abstains from food.

    In the event of terminal illness, Prayopavesa offers us the opportunity to arrange our own death, if and when the time is right. If this idea appeals to you, discuss it with your family and decide whether it’s an appropriate option for you. If so, then ask an attorney to clarify your intentions by means of a Living Will and Health Care Directive to Physicians. according to the laws of your state and country of domicile.





    Good Shepherd Hospice – Compassionate About Care, Passionate About Life #hospice #homecare

    #good samaritan hospice

    #

    Welcome to Good Shepherd Hospice

    More than a facility or center, Good Shepherd Hospice is a concept of care that addresses the medical, emotional and spiritual needs of terminally ill patients and their families.

    Good Shepherd Hospice opened its first office in Oklahoma City in 1995. We have a regional presence serving Oklahoma, Kansas, Missouri and Texas. We have touched the lives of more than 20,000 patients and 50,000 family members through their time of need.

    MISSION VISION VALUES


  • OUR SERVICES


  • VOLUNTEERING


  • GRIEF SUPPORT

    Considering a Hospice Referral

    If you feel that in your best judgment a patient may be ready for hospice services, then the time is appropriate to consider a hospice referral. Submit a Patient Referral Form and we will contact you to discuss the patient s needs.





  • Top Life Insurance Companies: Rates, Rankings and more Information #rank #life #insurance


    #

    Best life insurance companies

    Get Life Insurance Quotes

    1. Health Status. Preferred Plus and Standard Health
    2. Sex. Male and female
    3. Smoking. Non-smoker and smoker
    4. Age. 25, 35, 45 and 55 years old
    5. Duration. 10- and 20-year term

    Once collected, the lowest life insurance rates in each risk category are assigned a score; the scores for each company are then totaled to produce the overall rankings.

    Financial strength is an important consideration when buying term life insurance; therefore, only companies rated A- or better by A.M. Best Company. a credit rating organization, are included in the list.

    Premium life insurance companies

    If you need life insurance with a higher face value, such as a policy of $1 million or more, Budget Life also ranks the top premium life insurance companies with only the highest rating from A.M. Best.

    Life insurance companies for smokers and nonsmokers

    Among a number of factors, life insurance quotes are determined in part by your risk classification. In general, the three main underwriting classifications are preferred plus, preferred, standard and nonstandard the better your rate class the lower your premiums will be. Risk is further measured by nicotine use and gender.

    Budget Life provides a list of the life insurance companies with the most competitive rates for smokers and nonsmokers.

    Life insurance companies for those with health conditions

    For those who have health conditions, or who may have overcome a serious illness, it may seem as though life insurance is out of reach. However, some insurance agents offer services to help individuals with high-risk cases find life insurance coverage.

    Often called impaired risk specialists, these agents connect individuals to the right life insurance company. You may benefit from working with an impaired risk specialist if you have a health condition or a health history that includes:

    Impaired risk specialists can also help find life insurance for those with hazardous occupations or hobbies.

    COMPULIFE is a registered mark of Compulife Software, Inc. Nicholasville, KY

    Get Life Insurance Quotes

    Offers from Top Insurance Companies

    This widget requires JavaScript to run. Visit Site for more.

    See another State:

    Copyright 2017 Budgetlife.com. All rights reserved


    Variable Universal Life – Lincoln Financial Group #universal #variable #life


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    Variable universal life insurance

    Like universal life insurance, variable universal life insurance (VUL) combines the protection of term insurance with an accumulation value. In addition, it offers the upside potential of variable investment options. It is also known for its flexibility in premium and death benefits.

    Variable universal life insurance benefits

    • All the benefits of universal life insurance
    • Flexible premiums and death benefits
    • Cash value growth potential based on the performance of your policy s allocations
    • Ability to choose where your premiums are invested
    • Tax-deferred earnings

    Single life insurance products

    • Lincoln AssetEdge ® VUL (2015)
    • Lincoln AssetEdge Exec VUL (2015)
    • Lincoln VUL ONE (2014) (not available in New York)
    • Lincoln AssetEdge ® VUL (2009)
    • Lincoln AssetEdge ® Exec VUL (2009)

    Survivorship life insurance products

    • Lincoln SVUL ONE (2016) (not available in New York)
    • Lincoln PreservationEdge ® SVUL
    • Lincoln SVUL ONE (2013) (not available in New York)

    New York insurance products

    • Lincoln AssetEdge VUL (2015) NY
    • Lincoln AssetEdge Exec VUL (2015) NY
    • Lincoln PreservationEdge SVUL NY

    Lincoln VIP Trust insurance products

    Products not available for new sales

    Single life

    • AetnaVest
    • AetnaVest II
    • AetnaVest Plus
    • American Legacy AssetEdge SM VUL
    • American Legacy AssetEdge SM VUL (2009)
    • American Legacy Estate Builder
    • American Legacy Life (Policy Years 11+)
    • American Legacy VUL
    • American Legacy VUL CV-III
    • American Legacy VUL CV-IV
    • American Legacy VUL DB-II
    • American Legacy VUL DB-IV
    • CG ACCRU VUL
    • CG VUL-1
    • Emancipator Life
    • Lincoln AssetEdge VUL
    • Lincoln AssetEdge Exec VUL
    • Lincoln Ensemble I VUL
    • Lincoln Ensemble II VUL
    • Lincoln Ensemble III VUL
    • Lincoln Ensemble Accumulator VUL
    • Lincoln Ensemble Exec VUL
    • Lincoln Ensemble Exec 2006 VUL
    • Lincoln Ensemble Protector VUL
    • Lincoln MG VUL Elite
    • Lincoln VUL CV
    • Lincoln VUL CV-II
    • Lincoln VUL CV-II Elite
    • Lincoln VUL CV-III
    • Lincoln VUL CV-IV
    • Lincoln VUL DB
    • Lincoln VUL DBElite
    • Lincoln VUL DB-II
    • Lincoln VUL DB–IV
    • Lincoln VUL FLEX
    • Lincoln VUL-1
    • Lincoln VUL ONE
    • Lincoln VUL ONE 2005
    • Lincoln VUL ONE 2007
    • Lincoln VUL ONE 2010
    • Lincoln VUL ONE 2012
    • Lincoln VUL-III
    • Multi-Fund Variable Life

    Survivorship life

    • AetnaVest EP
    • AetnaVest EPII
    • American Legacy SVUL-III
    • American Legacy SVUL-IV
    • American Legacy PreservationEdge SM SVUL
    • Lincoln Ensemble SVUL
    • Lincoln Heritage SVUL
    • Lincoln SVUL
    • Lincoln SVUL-I
    • Lincoln SVUL-II
    • Lincoln SVUL-II Elite
    • Lincoln SVUL-III Elite
    • Lincoln SVUL-IV
    • Lincoln SVUL ONE
    • Lincoln SVUL ONE 2007

    New York products

    • American Legacy VUL CV-III
    • American Legacy VUL CV-IV
    • American Legacy VUL DB-IV
    • American Legacy SVUL-IV
    • Lincoln AssetEdge ® Exec VUL
    • Lincoln Ensemble ® II VUL
    • Lincoln VULCV
    • Lincoln VULCV-II Elite
    • Lincoln VULCV-III
    • Lincoln VULCV-IV
    • Lincoln VULDB
    • Lincoln VULDB-II
    • Lincoln VULDB-IV
    • Lincoln VULDB Elite
    • Lincoln VUL FLEX
    • Lincoln VUL-1
    • Lincoln VUL ONE
    • Lincoln VUL ONE 2005
    • Lincoln VUL ONE 2007
    • Lincoln VUL ONE 2010
    • Lincoln SVUL
    • Lincoln SVUL Elite
    • Lincoln SVUL-II Elite
    • Lincoln SVUL-III Elite
    • Lincoln SVUL-IV
    • Lincoln SVUL ONE
    • Lincoln SVUL ONE 2007

    Find an advisor

    Discover solutions to help meet your financial goals.

    Variable Universal Life insurance products are issued on contract/policy forms LN698/LN696/LN699/LN697/LR697 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and offered through broker-dealers with an effective selling agreement. Products and features are subject to state availability.

    Policies sold in New York are issued on policy form LN698/LN696/LN699/LN697/LR697 by Lincoln Life Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc. Contractual obligations are subject to the claims-paying ability of Lincoln Life Annuity Company of New York.

    The No-Lapse provision will terminate if the death benefit option is changed. After the no-lapse benefit expires or terminates, the accumulation value must be sufficient to keep the policy in force or additional premiums will be required to avoid a policy lapse. This feature may not be available in all states. In Illinois, this provision must be referred to as Coverage Protection.

    Guarantees subject to the financial strength of the issuer.

    Variable Life insurance products are sold by prospectus. Consider the investment objectives, risks, charges, and expenses of the variable product and its underlying investment options carefully before investing. The prospectus contains this and other information about the variable product and its underlying investment options. Please review the prospectus available online for additional information. Read it carefully before investing.

    Policy values will fluctuate and are subject to market risk and to possible loss of principal.

    • Privacy
    • Legal

    2017 Lincoln National Corporation. All rights reserved. Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc. Radnor, PA. Securities and investment advisory services offered through other affiliates.

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    Preferred Insurance of Las Vegas Nevada – Auto, Car, Home, Health &


    #

    Preferred Insurance of Nevada – Welcome

    Preferred Insurance of Nevada

    Preferred Insurance of Nevada for all of your insurance needs. Let us roll up our sleeves and do the hard work for you! Our experts can help find the right insurance policy for you, helping you save money with an insurance company that’s right for you.

    Our goal is to get the best value and coverage for your dollar. We do this by shopping several different insurance carriers for you. We have been in business since 1990 providing insurance coverage for the greater Las Vegas / Nevada area. Let us do the shopping for you!

    We speak Spanish. Se Habla Espanol.

    Preferred Insurance of Nevada is an Independent Insurance Agency

    • We proudly represent the following companies;
      • The Hartford
      • MET Life
      • Travelers
      • GMAC Insurance
      • Badger Mutual
      • Mercury
      • Infinity
      • Kemper
      • Aarp
      • Progressive
      • Safeco
    • We specialize in young drivers.
    • We offer SR-22’s.
    • We take less commission to help you save money
    • We shop up to 30 different companies for you to find the lowest rate.
    • We offer Auto, Home, Life and Health Insurance Coverage
    • There are no broker fees in the state of Nevada.

    8380 W Sahara Ave #110, Las Vegas, NV 89117 | 702-368-2080

    Copyright 2017 Website by: List U First All Rights Reserved.


    AIG Direct – Insurance from AIG in the US #direct #term #life


    #

    Join thousands who turn to AIG Direct every month for life insurance quotes and information about options to help protect their families’ financial future.

    For nearly 100 years, AIG companies have helped Americans gain the safety and security of quality insurance at affordable rates. At AIG Direct, our staff of professional, licensed insurance agents provides personalized guidance to fit your family’s needs and budget. Visit AIG Direct for a free quote, and you could save up to 70 percent* on your term life policy.

    Contact us: (800)254-4933

    Get a Quote

    AIG Direct Products

    Term Life Insurance

    Looking for an affordable life insurance option? Consider term life insurance, which provides coverage at a fixed rate for a set length of time.

    Quality of Life…Insurance ®

    Quality of Life…Insurance ® is a suite of products that can provide needed insurance protection.

    Whole Life

    Accumulate tax-deferred cash value while helping to ensure your family’s financial future — with fixed payments for life.

    *Save up to 70 percent. Savings comparison based on monthly premium rates as of 06/08/15 for a 10-year level term policy, for face amounts of $1,000,000 issued by American General Life Insurance Company at its best published rates for a female, age 30, non-smoker.

    **Referenced policies issued by American General Life Insurance Company (AGL), in all states except NY. Policy #s: 15532, ICC15-15532. AGL is not licensed to do business in New York. The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $50,000 in the aggregate.

    © 2016 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. (“AIG Direct”), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company (“AGL”), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (“US Life”), New York, NY, all members of American International Group (“AIG”). Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult a professional attorney,tax advisor or accountant.


    Canada Life #booking #a #hotel

    #carpenter hospice

    #

    Speech delivered by Rick Giuliani, Regional Director, The Resource Centre, Southwestern Ontario, at annual Carpenter Hospice Gala

    February 11, 2006 Burlington

    Thank you. It is my sincere pleasure to be here this evening on behalf of Great-West Life, London Life and Canada Life.

    As a leading provider of financial services in Canada, Great-West, London Life and Canada Life understand the importance of community. We know that success isn t just about the day-to-day operations of our business it s about investing in the welfare of the communities where we live and work. Through our national Key to Giving program, we support charitable organizations across Canada in the key areas that affect our society today: health and wellness, arts and culture, education, social services and civic projects.

    Many of our staff and financial security advisors are active in their communities, addressing the concerns that are most relevant to them. Having been closely involved with The Carpenter Hospice for several years, I can speak firsthand to the importance of supporting the causes that you believe in. Not only is it beneficial from a business perspective, it s beneficial at a basic human level. Giving back and investing in something greater than yourself is powerful and rewarding. It s an opportunity to demonstrate your support for your community, and to collaborate with others to truly make a difference.

    And that s precisely why we re here tonight. The Carpenter Hospice is an excellent example of the impact that the strength of a community can have on others. This organization is committed to enriching the quality of life for those in need by providing care for dying individuals and their families. It s through the efforts of dedicated volunteers and staff that those in need can enjoy their final days in a safe and peaceful environment.

    I would like to personally thank each and every one of you for helping to make an impact on our community by being here tonight. This event is an opportunity for us all to get together, to network, to have fun but most importantly, it s a way for us to reach out and touch the lives of those in need. We can make a difference, and your presence here today is proof of that.

    I wish you all a wonderful evening. Thank you.

    Module Head Start

    Module Head End

    We welcome your feedback and questions .

    Learn about Imagine Canada s Standards Program . helping charities and non-profits improve and monitor their practices.

    Module Head Start

    Module Head End

    Media inquiries should be directed to Media Relations at 204-946-7705 or contact us online .





    The 12 Stages of Life by Dr #cape #cod #hotels

    #end of life stages

    #

    The 12 Stages of Life

    The Twelve Stages of the Human Life Cycle

    Which stage of life is the most important? Some might claim that infancy is the key stage, when a baby’s brain is wide open to new experiences that will influence all the rest of its later life. Others might argue that it’s adolescence or young adulthood, when physical health is at its peak. Many cultures around the world value late adulthood more than any other, arguing that it is at this stage that the human being has finally acquired the wisdom necessary to guide others. Who is right? The truth of the matter is that every stage of life is equally significant and necessary for the welfare of humanity. In my book The Human Odyssey: Navigating the Twelve Stages of Life, I’ve written that each stage of life has its own unique “gift” to contribute to the world. We need to value each one of these gifts if we are to truly support the deepest needs of human life. Here are what I call the twelve gifts of the human life cycle:

    1. Prebirth: Potential – The child who has not yet been born could become anything – a Michaelangelo, a Shakespeare, a Martin Luther King – and thus holds for all of humanity the principle of what we all may yet become in our lives.
    2. Birth: Hope – When a child is born, it instills in its parents and other caregivers a sense of optimism; a sense that this new life may bring something new and special into the world. Hence, the newborn represents the sense of hope that we all nourish inside of ourselves to make the world a better place.
    3. Infancy (Ages 0-3): Vitality – The infant is a vibrant and seemingly unlimited source of energy. Babies thus represent the inner dynamo of humanity, ever fueling the fires of the human life cycle with new channels of psychic power.
    4. Early Childhood (Ages 3-6): Playfulness – When young children play, they recreate the world anew. They take what is and combine it with the what is possible to fashion events that have never been seen before in the history of the world. As such, they embody the principle of innovation and transformation that underlies every single creative act that has occurred in the course of civilization.
    5. Middle Childhood (Ages 6-8): Imagination – In middle childhoood, the sense of an inner subjective self develops for the first time, and this self is alive with images taken in from the outer world, and brought up from the depths of the unconscious. This imagination serves as a source of creative inspiration in later life for artists, writers, scientists, and anyone else who finds their days and nights enriched for having nurtured a deep inner life.
    6. Late Childhood (Ages 9-11): Ingenuity – Older children have acquired a wide range of social and technical skills that enable them to come up with marvelous strategies and inventive solutions for dealing with the increasing pressures that society places on them. This principle of ingenuity lives on in that part of ourselves that ever seeks new ways to solve practical problems and cope with everyday responsibilities.
    7. Adolescence (Ages 12-20): Passion – The biological event of puberty unleashes a powerful set of changes in the adolescent body that reflect themselves in a teenager’s sexual, emotional, cultural, and/or spiritual passion. Adolescence passion thus represents a significant touchstone for anyone who is seeking to reconnect with their deepest inner zeal for life.
    8. Early Adulthood (Ages 20-35): Enterprise – It takes enterprise for young adults to accomplish their many responsibilities, including finding a home and mate, establishing a family or circle of friends, and/or getting a good job. This principle of enterprise thus serves us at any stage of life when we need to go out into the world and make our mark.
    9. Midlife (Ages 35-50): Contemplation – After many years in young adulthood of following society’s scripts for creating a life, people in midlife often take a break from worldly responsibilities to reflect upon the deeper meaning of their lives, the better to forge ahead with new understanding. This element of contemplation represents an important resource that we can all draw upon to deepen and enrich our lives at any age.
    10. Mature Adulthood (Ages 50-80): Benevolence – Those in mature adulthood have raised families, established themselves in their work life, and become contributors to the betterment of society through volunteerism, mentorships, and other forms of philanthropy. All of humanity benefits from their benevolence. Moreover, we all can learn from their example to give more of ourselves to others.
    11. Late Adulthood (Age 80+): Wisdom – Those with long lives have acquired a rich repository of experiences that they can use to help guide others. Elders thus represent the source of wisdom that exists in each of us, helping us to avoid the mistakes of the past while reaping the benefits of life’s lessons.
    12. Death Dying: Life – Those in our lives who are dying, or who have died, teach us about the value of living. They remind us not to take our lives for granted, but to live each moment of life to its fullest, and to remember that our own small lives form of a part of a greater whole.

    Since each stage of life has its own unique gift to give to humanity, we need to do whatever we can to support each stage, and to protect each stage from attempts to suppress its individual contribution to the human life cycle. Thus, we need to be wary, for example, of attempts to thwart a young child’s need to play through the establishment high-pressure formal academic preschools. We should protect the wisdom of aged from elder abuse. We need to do what we can to help our adolescents at risk. We need to advocate for prenatal education and services for poor mothers, and support safe and healthy birthing methods in third world countries. We ought to take the same attitude toward nurturing the human life cycle as we do toward saving the environment from global warming and industrial pollutants. For by supporting each stage of the human life cycle, we will help to ensure that all of its members are given care and helped to blossom to their fullest degree.

    Website Design: GraphicSmiths Copyright © 2013 Dr. Thomas Armstrong





    Term Life Insurance Quotes and Rates #term #life #insurance,life #insurance #rates,term #life


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    Spectrum Insurance Group

    Get Instant Term Life Insurance Rates in Less Than a Minute

    Whether your term life insurance need is short term or long term, temporary or permanent, meant as an investment, or a retirement vehicle. We will give you the right information and the most appropriate quotes instantly.

    We will explain, compare features, compare rates on your term life insurance, and also help you determine the right type of insurance that matches your situation. We’ll obtain the best possible life insurance rates for your circumstances.

    All this information for free without any obligations!

    Give the consumer simple objective term insurance advice and the best service available. This simple philosophy is practiced as our mantra. These guiding principles have helped us become a premier provider of online life insurance quotes and helped win numerous industry awards for Outstanding Customer Services and Sales.

    Term life insurance is a simple and affordable way to ensure your beneficiary financial security in the event that you die within the period of, or term of the policy. The term of the policy can vary from one to thirty years of coverage. The face amounts stay level throughout the term and generally begin at $25,000 and increase to meet your specific needs.

    Types of Life Insurance We Sell:

    Term life insurance is affordable because it does not accrue a cash value and only pays the death benefit. Therefore, the initial premium is much lower, allowing you to easily budget for your coverage. This option offers great value to an individual that needs a death benefit for a specific period of time.

    For example, term life insurance is a good choice for people that have started a family and need to consider paying for college, have amortized loans, or have a specific financial burden that will decrease over time. After the kids graduate from college, the amortized loans are paid down, or the specific financial burden has decreased, the need for cost effective high levels of coverage may not be as great. At this time your options vary.

    Term life insurance policies (10 year, 20 year, 30 year) can usually be renewed at the end of the term. Perhaps at this point in your life a shorter term and smaller face value will adequately meet your needs.

    Keep in mind that there is a direct correlation between age, health and premium costs. Subsequently, with advanced age and the health issues associated with age, your premiums will probably be higher and eligibility is not as easy. You may want to consider converting to a permanent life insurance policy at this time.

    Get Simplified Information:

    Often information is sought from surfing web pages endlessly and ultimately making it more confusing that when you started in the first place. All you need to do is input the information asked, and our quote engine will give simplified information instantly that will enable you to make the right decision for your insurance needs. We help you access information simply and easily.

    No matter what is your level of risk – smoker. pilot. diabetic. key man – we can help you find the best life insurance policy for your particular situation.

    Not sure if you should get Term or Whole Life Insurance, read our opinion on this subject – Whole Insurance vs Term Insurance. Or explore a No Medical Life Insurance policy and avoid the hassle of an insurance medical exam upon applying.

    24 Hours Access:
    Being online makes it all the simpler. You can access us on a 24×7 basis through out the year. By just filling up the quote form or calling us on our toll free number, you can start saving money today.

    Pact of Privacy:
    You can always be sure that the information supplied to us will only be used for the purpose of quoting term life insurance rates by us or one of our trusted partners.

    Giving the right information to our customers is our business!

    Customer Testimonials:

    Thank you for taking the time to discuss all of my options with me. I never felt pressured to buy, but I am certain I got the right term life insurance for my needs — Ken. Raleigh, NC

    Allowing me access to you through this entire process provided me with more than great customer service it gave me piece of mind and confidence I have made the right decision — Janet, Pensacola, FL

    I am always overly critical of other insurance related websites on the internet, but I have to stay your website has great information and was easy to use. I like how your quote page displays real time rates from all the insurance carriers. The side by side comparison made the process of shopping for life insurance simple and fast! Keep up the great work — Scott, of Schuerman Insurance

    I was already so frustrated with this process and the many online life insurance websites who were more interested in selling my information than assisting me. However, when I found SpectrumInsuranceGroup.com I received all of the answers to my questions and the personalized service I was looking for. The pressuring phone calls stopped, and I was able to work with one individual through this whole process. Steve of Spectrum Insurance Group is professional, courteous, and in my opinion truly enjoys helping people protect their family and loved ones. I would recommend him to anyone! — Margaret, Alpine, Utah

    For all your real estate needs in the Hampton Roads area of Virginia, visit Searchhamptonroadshomes.net – Tom will take good care of you.

    2017 – Spectrum Insurance Group. All Rights Reserved


    Preparation Tips for Your Life Insurance Medical Exam #life #insurance #no #physical


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    Preparation Tips for Your Life Insurance Medical Exam

    When your insurer requires a life insurance medical exam. don t panic. Just follow these simple tips to make sure your exam yields the best possible results.

    1. Schedule a morning exam When arranging for your appointment, try to secure one as early in the day as possible even if that day falls on the weekend. Why? The early morning is when your body is least stressed.
    2. Avoid food At least 8, and preferably 12 hours before your life insurance medical exam, avoid eating anything. Another recommendation is to avoid salty, cholesterol-loaded or high-fat foods for a day or two prior to your exam.
    3. Drink water It s okay to drink water, and recommended an hour before you ll be asked to provide a urine sample. The only caution against this is if your insurer later requires specific additional tests that require fasting and no water for a specified amount of time. You will be advised if there are any restrictions on water consumption.
    4. Sleep well The night before your life insurance medical exam, it s important that you get the proper amount of sleep. Your body needs to be well-rested in order to achieve the best possible results during your exam. Do not take any medication to help you to sleep, however, as this will negatively affect your tests
    5. Avoid strenuous exercise The day before your exam, stay away from any strenuous physical exercise. This means no working out at the gym or playing touch football or anything that normally causes you to physically exert yourself to a greater degree.
    6. No alcohol Do not drink any alcoholic beverages for a full 24 hours before your exam.
    7. Steer clear of caffeine Drinks like coffee, lattes and espressos, soda and tea should not be consumed for several hours in advance of your exam.
    8. No tobacco Do not chew or smoke tobacco for 24 hours before your testing.
    9. No decongestants Similarly, do not take any decongestants for a full day (24 hours) prior to your health insurance exam.

    On the Day of your Exam
    You re well-rested, taken all the precautions, and now it s the day of your exam. Follow these additional five helpful tips to ensure you re doing all you can.

    1. Dress appropriately Wear a short sleeve shirt, blouse, sweater, etc. or a garment with long sleeves that can be rolled up. This is so your blood can be taken for the blood tests. By the way, to ease your mind, ask to see the seal on the needle so that you re assured the blood test is sterile.
    2. Bring medical records with you You ll need to have all your medical records, and information about doctors and health insurance available.
    3. Carry photo ID This ensures the insurer that the person who shows up for the life insurance medical exam is you.
    4. List of medications Have with you a list of all the medications you take, or have taken. Be sure to include any non-prescription or over-the-counter drugs as well. This is important, since taking something you haven t mentioned may skew the test results and not in your favor.
    5. Relax and remain calm This advice pertains to the entire life insurance medical exam, but is particularly important if an EKG is required. During an EKG, you ll be asked to lie on a table and leads will be placed on your chest to monitor electrical impulses in your heart. Relaxing and remaining calm will help prevent false readings due to muscle action.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    Finweb.com is an Internet Brands company.


    Insurance Katy #katy #insurance #agency, #insurance #agency #katy, #insurance #katy, #katy #insurance,


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    Welcome To Dagley Insurance Financial Services:

    Your Local Insurance Agency in Texas and Colorado!

    At Dagley Insurance Financial Services, we are proud to offer comprehensive insurance solutions at great rates. We pride ourselves in providing outstanding service to our clients each and every day. With offices throughout Texas and Colorado, we do our very best to meet your insurance needs.

    If you are living in Texas or Colorado, we would love to earn your insurance business! We provide complete insurance packages for businesses. If you are in need of personal insurance such as homeowner s insurance, auto insurance, life insurance, or renter s insurance, we have you covered there as well. When you work with Dagley Insurance Financial Services, you get personalized service, convenient locations, and a company that cares about you.

    Dagley Insurance Financial Services makes it easy to start saving on all of your insurance policies immediately by offering many locations.
    We have six insurance agencies in Texas, including Katy, Houston, Cypress, Sugarland, Plano and Cleburne. We also have three insurance agencies in Colorado, including Aurora, Denver, and Greeley.

    Give us a call today, or fill out any of the quote forms on our website for more information. We look forward to working with you.

    Proud Member of:

    Proud Member of:

    Dagley Insurance & Financial Services Inc

    23102 Seven Meadows Pkwy

    Dagley Insurance & Financial Services Inc

    1 N Walnut St, Ste 125

    Cleburne, TX 76033

    Dagley Insurance & Financial Services Inc

    3011 W 10th St, Ste 113

    Greeley, CO 80634

    Dagley Insurance & Financial Services Inc

    17515 Spring Cypress Rd, Ste G

    Cypress, TX 77429

    Dagley Insurance & Financial Services Inc

    15510 Lexington Blvd, Ste A2

    Sugar Land, TX 77478

    Dagley Insurance & Financial Services Inc

    2055 S Federal Blvd

    Denver, CO 80219

    Dagley Insurance & Financial Services Inc

    17105 Clay Rd, Ste C

    Houston, TX 77084

    Dagley Insurance & Financial Services Inc

    8000 Coit Rd, Ste 500

    Dagley Insurance & Financial Services Inc

    10310 E Colfax Ave

    Aurora, CO 80010

    We are licensed in all of Texas & Colorado. License #12053.

    Developed by Dagley Insurance & Financial Services, Inc #12053. Nationwide Life Insurance Company. Nationwide Mutual Insurance Company and Affiliated Companies. Home Office: Columbus, OH 43215-2220


    Loya Insurance Mobi #cheapest #life #insurance #quote


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    Get More Info On Companies Like Loya Insurance

    While searching for car insurance, you can find out that Loya insurance company provide a bunch of insurance policies. Everything is designed to offer a variety of insurance for the many requirements that families usually have. The mission of the company is to shield properties, cars, life and health.

    A lot of insurance firms nowadays provide insurance packages to individuals via the internet and might offer discount rates because they’re saving as well by conducting the business online. When using the Internet to obtain insurance policy rates and quotes, the procedure is a lot faster and easier than making phone calls.

    Insurance companies focus on people who are seeking affordable price quotes one at a time. The process can take several days and even weeks and not always ensure you that you get the finest coverage for the very best rate.

    Numerous Insurers Compete With Loya Insurance

    There are many insurance companies competing with fredloyainsurance, but some of them just sell one type of insurance. Some others sell all four basic types of insurance or a minimum or have partnerships in place in order to provide all four levels insurance for policyholders.

    The Companies know that Customers need the right amount of insurance from their primary insurance carrier. An insurance coverage company may offer just life or health insurance, maybe property and casualty coverage.

    Others big companies offer and administer policies throughout all insurance lines. An insurance firm that does only one sort of insurance protection could be more eager to provide price cuts, relying on the type of protection sought.

    However, it may also have arranged with other insurance providers to provide insurance policy plans that agency does not provide, but which could be of use for policyholders.

    Underwriters Similar To Loya Insurance Are Structured In Other Ways

    Whether providing online auto insurance quote or not, some insurance companies are sold publicly through shares; exclusive companies own others.

    (Such as father and mother corporations), and various other are owned by the same people who purchase policies, which would be a shared insurance agency.

    An insurance provider that is prepared as a shared company has extremely high ratings for customer satisfaction since its customers are its owners. A team of either elected or selected executives usually form a council that makes crucial decisions for the insurance company.

    Business That Underwrite Auto And Home Are P C
    People that are looking for auto insurance quotes online, most of the time do not know that the way by using an online insurance calculator. It must be understood that firms providing car, home and liability insurance coverage are property and casualty insurance coverage.

    Insuring homes and cars with Loya insurance company, you can get a rate discount, up to 15 percent or even more will be applied. That help saves a considerable amount of cash. Some insurance companies will underwrite only one type of policy (like car or home insurance), but they, sometimes have a partner business that underwrites various other plans.

    Assurance For Healthcare Has Many Details
    Finding the most affordable health insurance quotes online is easy when people come across this site. There are some providers that do not offer coverage for healthcare; however, the law forces everyone to get health insurance. Although many insurance companies have national reach, and also, some subsidiaries do not supply policy in some states.

    However, if there is a health emergency in one of these states, sometimes the policyholder can not wait to get back their healthcare services. Some health insurance strategies have specifications about when, where and exactly how medical services can be obtained, unless there is a health emergency.

    Online Rate Quotes Are Easy To Obtain
    With a wide range of insurance providers that compete with loya insurance . shopping and comparing rates for different sorts of insurance companies can be extremely rewarding. Using a cost-free online comparison service give you the opportunity to save money. Getting this service makes it a lot simpler for consumers to buy their best plans and still save a lot of cash.

    The comparison sites usually have consumers best interests in mind and have no connection to any certain insurance company. In fact, there is no chance to guarantee with those businesses an answer with the estimates that suit your necessities.

    Also, there are many feedbacks from lots of insurance companies that are wanting to add new insurance policyholders to its company rolls. When consumers can get several online quotes and can compare the policies and premiums, it makes it far easier to obtain the closest possible coverage and save approximately 45 % on their yearly insurance rates.

    Discover more about Loya insurance offering low cost auto insurance policy ratings.

    What usually happens is that each state or region establishes its car insurance rates, in accordance with their particular previous experiences. Various insurance companies include the nearly all unpredictable scenarios that you may encounter without having to raise your premium. Take the time and discover the most effective car insurance for you, based on your earlier experiences as well as your plans!

    Another kind of insurance coverage that you need to include has to do with the unfortunate scenario of getting hit by someone that hasn t got auto insurance. If you have disregarded the idea of getting insurance coverage just before this, you will end up most likely having to pay for your personal medical therapy out of your pocket.

    Naturally, you can sue the uninsured driver to recoup your expenses. However, many months or even years can pass before you get paid. In every case, you should evaluate the most effective protection for your budget.

    The importance of having a liability insurance
    In a few states of USA, you will only need liability, a kind of insurance that will cover any losses caused by you, up to a certain limit, but in some other states you will also be required to have collision insurance coverage. As a leader in the market, Fred loya insurance company, is the one who can offer a good deal on liability auto insurance.

    Even though, personal liability is in somehow comparing with general auto insurance coverage is among the most reliable auto insurance plans that you can choose. In case you are in a car accident, and you are needed to pay for the expenses of medical bills, these types of costs are covered by your insurance provider.

    In some cases, this kind of insurance policy includes the money dedicated to repairs to your automobile. Here you have certainly an additional reason that you need to compare insurance plans provided by many insurance businesses.

    Don’t make the mistake of not having any insurance on your car.

    If you are pulled over for any reason and you are caught without any auto insurance, you car could be towed, and you can get a fine for breaking the law. Your troubles will grow if officers make the decision to terminate your license or revoke it for a particular period.

    We wonder exactly why insurance policy is critical while using a vehicle. Even though, you might tend to believe you can hold off for some time. having insurance is imperative.

    Let s assume you are involved in a car crash, probably caused by you. Your following move is to assure the second driver that you will be paying for the damages caused.

    Nevertheless, sometimes your financial savings will not be adequate to pay for it, and you will not have most of the needed funds to cover for this.

    In moments like these, you would have been definitively happy to show your car insurance, so you should you have one!

    Get more details at Wikipedia about loya insurance quotes


    Types of Insurance #types #of #insurance, #insurance, #life #insurance, #health #insurance, #different


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    Types of Insurance

    Based on Today’s life style the list of types of insurance is increasing day by day. You will find a lot many numbers of new insurance policies which you might have not heard before. One of the most important and compulsory insurance for vehicle owners is: third party insurance. Read about insurance companies in india. The main types of insurance policies available in the market are:

    • Life Insurance: In this policy, the insurance company pays in case of the demise of the policy holder or at the time of the maturity of the policy. Now a days a new policy has been launched by insurance companies in which you will be covered under the insurance policy even after the maturity of the policy. Read what are the different types of life insurance and which one is good for you.
    • Property Insurance: This insurance helps you to prevent the losses against theft, fire, burglary or any natural calamity like Earthquake, Floods etc. based on the points mentioned in the policy.
    • Health Insurance: Health Insurance consists of a package of various types of insurance related to health. For example Medical Insurance is one the major part of health insurance however in most of the cases, dental issues are not covered in this policy so there is another Dental Insurance policy which covers dental problems and is also a part of health insurance. The subcategory of health insurance also involves the injuries or accident at workplace insurance benefits.
    • Auto Insurance: Any financial loss due to accident of a vehicle is covered under the auto insurance policy. Sometimes the expenses on the medicines for treating injuries and all other medical expenditure are also covered under this policy.
    • Travel Insurance: Loss of personal belongings while traveling, medical coverage, delays in the travel are all part of the travel insurance policy.
    • Insurance at Amusement Points: This is a one of the new kinds of insurance policy (not very popular in India) where in you are insured against the equipments that you are using at the amusement joints. For example: if you are using boats for an independent boat ride. then they will charge you with some extra money for an property loss(say $5) and in case of any property damage you will not be liable to pay any amount required to repair the damaged property.
    • Credit Insurance: This type of insurance pays the loans of the policy holder in case of any accident of the policy holder or job loss or death.
    • Third Party Insurance: This type of insurance covers damages caused by you (first party) to others (third party). For more details visit third party insurance.

    Apart from these above mentioned insurance policies there are many other types of insurance policies in the market (and the list keeps on increasing) that are more or less related to these policies however providing benefits to the policy holders in a different and unique way.


    What happens in the final days of life #las #vegas #hotels #on

    #end of life symptoms

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    What happens in the final days of life

    The body begins its natural process of slowing down all its functions. How long this takes varies from person to person and may take hours or days. The dying person will feel weak and sleep a lot. When death is very near the dying person may have

    • Sleepiness and difficulty waking (semi conscious)
    • Difficulty swallowing or not wanting to eat or drink at all
    • Loss of control of bladder and bowel control
    • Restless movements (as though they are in pain)
    • Changes in breathing
    • Noisy breathing
    • Cold feet, hands, legs and arms
    • Confusion and disorientation
    • Complete loss of consciousness

    You can read about all these changes below.

    It can be emotionally very difficult to watch someone go through these physical changes. But they are part of a natural dying process and don’t mean that the person is uncomfortable or in distress.

    The doctors and nurses looking after the person during this time will check regularly for these changes. They will do all they can to make your relative or friend as comfortable as possible during their death. If you are looking after someone at home while they are dying, you should have support from a specialist community nurse, district nurses, and the GP. They can answer your questions and help to make home nursing easier for you.

    People who are dying often sleep a lot and might not respond when you try to wake them. But this doesn’t mean they can’t hear you. Hearing may be one of the last senses to be lost. So it is important not to stop talking to them and comforting them. You can sit close to them and hold their hand. It is important not to say anything that you wouldn’t want them to hear. It’s also a good idea to tell them when you go into or leave their room.

    There will come a time when the dying person won’t want to eat or drink anything. It is important not to try and force them to eat or drink. This will make them uncomfortable. If they are still awake you can give them small pieces of ice to suck or sips of fluid to keep their mouth moist. You can put lip balm on their lips to help stop them getting dry and sore.

    If they really can’t take anything into their mouth, you can moisten their lips and mouth every 1 to 2 hours with lemon and glycerine swabs or water. Your GP or district nurse can get you the swabs.

    The dying person might lose control of their bladder and bowel. This happens because the muscles in these areas relax and don’t work as they did. This can be distressing to see and you might worry that they may feel embarrassed. The nursing staff will do all they can to protect the bed and keep your relative or friend as clean and comfortable as possible.

    If you are caring for someone at home, the district nurses and specialist nurses can arrange for you to have draw sheets or pads to protect the bed. They may also be able to arrange a laundry service for you, if necessary. As people become very close to death and are not eating or drinking, the amount of urine and stools they produce gets less and less.

    Many people who are dying, and the people around them, worry that they will be in pain. Some people don’t have pain. But if a person is in pain, it can usually be well controlled and people can be kept very comfortable. The doctors and nurses looking after the dying person will do all they can.

    Sometimes restlessness is a sign of being in pain. If the dying person can’t communicate very well and you think they are in pain, the most important thing is to tell their doctors and nurses. They will want your relative or friend to be pain free, so do talk to them. This will help them plan the best way of controlling the pain.

    When someone is dying their breathing often changes. It might get noisy and irregular. There may be times when they stop breathing for a few seconds. This is called Cheyne Stoke (pronounced chain stoke) breathing. They may breathe with their mouth open and use their chest muscles to help them catch a breath.

    It can help to raise the head of the bed with pillows or cushions. Just sitting with them, speaking gently, and holding their hand can be very reassuring for them. If someone is having difficulty breathing, a doctor or nurse might suggest giving a small dose of morphine, even if they are not otherwise in pain. Morphine can help to make breathing easier.

    You may hear gurgling or rattling sounds as the dying person takes each breath. This is coming from their chest or the back of their throat. It is because there is a build up of mucus and saliva and they don’t have a strong enough cough reflex to cough it up. Raising their head and turning it to the side can help gravity to drain the secretions.

    Sometimes a nurse or doctor can suck the fluid out through a thin tube put down into the person’s windpipe, but this is not usually needed. Hearing the gurgling sounds can be very upsetting, but they don’t usually seem to cause distress to the dying person.

    The dying person’s face, hands, arms, feet and legs often become very cool to touch. Their skin might also become pale and look blotchy or mottled. This happens because there is less blood circulation to these parts of the body. Keep them warm with blankets but don’t use an electric blanket as this may become too uncomfortable. Thick socks can help to keep their feet warm. Don’t overheat the room as this can make it stuffy. Just keep it at a comfortable temperature.

    You might hear your loved one say things that make no sense. They may not know what day it is or may not appear to know who you are. They may even say things that are totally out of character. For example, they may shout at you or physically push you away. This can be very hurtful and upsetting. But try to understand that they don’t mean it and are not aware that they are doing these things. It happens partly because of the chemical changes going on inside their body.

    At the end of life, the chemical balance of the body becomes completely upset. The dying person then slips into unconsciousness. This is usually right towards the end, maybe only a few hours or days before death. Breathing becomes irregular and may become noisy. You won’t be able to wake them at all. Their breathing will stay irregular for some time and will stop at some point.

    Emotional and spiritual changes

    Everyone will feel different emotions when they are dying. A lot depends on

    • The type of person they are
    • Their age
    • How much support they have
    • Their religious and spiritual beliefs
    • The experiences they have had in life

    Someone dying in their 20s is likely to feel very different to someone who is 80. If the person dying is leaving behind young children, they will have different worries from someone whose children are grown up and able to take care of themselves.

    Before the final stages of death the dying person may talk about wanting to complete any unfinished business. This may mean

    • Sorting out any problems with personal relationships, or deciding not to
    • Visiting certain places
    • Buying gifts for people
    • Sorting out personal belongings and giving special things away to family and friends
    • Getting their will and financial business in order
    • Seeing a religious leader

    As death gets closer they may begin to let go and seem more at peace with things. Others may become very anxious, fearful or angry. Some people may appear to withdraw even from the people they love and care about. But this doesn’t mean that they don’t care anymore. These events are all very normal and a natural part of dying.

    Even if the physical body is ready to shut down, some people may resist death. They may still have issues they want to resolve or relationships they want to put right. It is important to understand these things. Let your loved one know you are there for them and will help them with any of these issues.

    You are likely to feel some very strong emotions during the time your relative or friend is dying. You may feel that you want to try and change what is happening. Often all you can do is give them a lot of support and comfort during this difficult time. Allow them to share any memories or feelings they have. It is also important to reassure them that it is all right to let go and die whenever they are ready. Some people will hold on until they have heard these words from the people they love. So letting them go can be one of the most important and loving things you can do for them.

    If you need some support when someone close to you is dying it may help to speak to

    • The doctor or nurses on the ward
    • A religious leader
    • A counsellor
    • Close friends and relatives

    Try not to worry that you are going to do the wrong thing. Just being with your loved one and letting them know you love and care for them is the most important thing.





    IMHS Metaphysics Institute – Premier Metaphysical University, Metaphysical Studies, Metaphysics PhD Degrees


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    I always knew I wanted my degree, but the traditional setup of college was a drag to me and every semester there was always an additional class that was required or an increase in tuition or both. I feel as if this program is designed for people like me who want to expand their thinking and be challenged without feeling dumb or getting into debt. I am extremely grateful for a degree program that allows me to simply think and to be myself. —Britney Bryant, USA

    IMHS is Fresh, Innovative, and Contemporary: [ Read More ]

    Metaphysics is about more than just the abstract; it is also about a successful life. The abstract will certainly stimulate your thinking and can lead to great spiritual development, but for spiritual development to be effective and meaningful, it must be activated by practical life-skills; powerful everyday tools that will enable you to have better relationships, better communication skills, better critical thinking skills, and more. IMHS gives you both the spiritual development and the practical life-skills you need for a balanced, successful life!

    IMHS is Powerful and Cutting-Edge: [ Read More ]

    The IMHS curriculum is based on the Life Leadership Paragon TM. an exclusive and elegant model for success that has changed countless lives for the better. It is only taught at our schools. For more than a decade, this model has been carefully crafted and developed into a powerful, cutting-edge system for personal growth and spiritual enlightenment. The Life Leadership Paragon TM also serves as the foundation for Life Leadership Coaching TM. a blend of life coaching and transpersonal spiritual counseling which is also only taught at our schools. Students specializing in Holistic Life Coaching or Spiritual Counseling will really appreciate this creative and highly effective approach to helping others!

    IMHS Gives You the Training and Skills You Need: [ Read More ]

    In addition to spiritual development and practical life-skills, IMHS actually gives students the skills they need to be successful in their chosen areas of specialization (major). Many of our students take additional courses in their areas of interest beyond the ones required for graduation because they have come to know that our courses are comprehensive and beneficial to their personal and professional development. IMHS graduates are well-equipped to go out and make a positive difference in the world!

    IMHS is Objective and Grounded: [ Read More ]

    Rather than obscure, fringy, and highly esoteric concepts, IMHS approaches metaphysics in an objective, grounded, and real-world manner while still keeping the door open to the great mysteries of consciousness and our Universe. As humanity evolves, many people are leaving the confines of old religious and social notions and seeking new paradigms that focus on the value and worth of the individual. This is why IMHS teaches a human-centered spiritual philosophy which does not surrender one’s power to anyone or anything else. It empowers, encourages, and builds people up. It refreshes the mind, spirit, and soul!

    Genuine, Bona-Fide, and Legal Degrees: [ Read More ]

    Our degrees are absolutely genuine, legal, and “real.” IMHS is not a diploma mill. Our degrees are non-secular (religiously-based) in nature and require effort on the student’s part. Non-secular degrees are neither better nor worse than traditional degrees; they are simply used for different purposes. Therefore, students can rest assured that the degree they earn is completely legal and “real,” and the title of “Doctor” can be used in front of their names. This applies to nearly every country in the free world–especially countries that protect religious freedom.

    Metaphysics for the 21st Century: [ Read More ]

    With the many demands of life in this day and age, most adults simply do not have the time to spend several years getting a degree. Nevertheless, many busy adults would like a degree to enhance their lives and careers. Therefore, we have simplified and streamlined our Metaphysics PhD program by offering Bachelor’s, Master’s, and Doctoral degrees in an accelerated format that takes less time to complete thus allowing students to begin using their degrees sooner. And the best part is that our degree program provides an excellent learning platform that is concentrated, comprehensive, and affordable. We think you’ll find this 21st Century approach to getting your Metaphysics PhD degree a refreshing change from the past century!


    Whole Life Insurance Rates, cheapest life insurance policy.#Cheapest #life #insurance #policy


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    Whole Life Insurance

    Whole life insurance is a great choice for people who want the security of a policy that never expires coupled with an investment vehicle suitable for reaching / managing financial goals.

    What is Whole Life Insurance?

    Unlike term life insurance, which expires after a set number of years, whole life insurance is a type of permanent life insurance that lasts as long as your payments are made, and it cannot be revoked because of the discovery of a medical condition. This is reason enough for most people to add whole life insurance to their short list of life insurance options, but the attractiveness of this product goes far beyond its irrevocable nature – whole life assurance comes with a host of other financial benefits as well. Whole life insurance features consistent premiums, also known as level premiums, which do not change over the life of the policy. Because the policy / premium cover death benefits and investments, the cash value of the policy actually grows over time, paying dividends to the owner of the policy. If term life is the base model of life insurance, whole life would be considered the luxury item, with whole life insurance benefits such as collateralized loans and other unique ways to tap into the policy’s value as some of the key differences over other life insurance products. With that luxury comes a price tag, and it is true that whole life insurance rates tend to be higher than that of a simpler life insurance product. Just because it can me more expensive doesn’t mean you should rule it out – our partners offer a whole life insurance rate quote to you for free, giving you the flexibility to price out your options before committing to a policy. Whole life rates can vary from provider to provider, so we strongly encourage you to use a service like ours to make whole life insurance comparisons easy and reliable.

    Ready for a Whole Life Quote?

    There are many things to consider before you get your whole life insurance quote, including which types of whole life insurance are available and which whole life insurance company is best-suited to provide you with your policy over the long-run. Don’t worry – we’re here to help. We’ve completed all the research for you, and we offer the best whole life insurance information for you to consider from the lists below. Simply select a topic to read about, or get your free whole life insurance quotes by using the form at the top of this page.

    Cheapest life insurance policy

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    Top 10 Life Insurance Myths, million dollar life insurance rates.#Million #dollar #life


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    Top 10 Life Insurance Myths

    Million dollar life insurance rates

    Million dollar life insurance rates

    Million dollar life insurance rates

    Life insurance can be tricky to figure out with all its technicalities and rules. This article will briefly examine the top 10 misconceptions surrounding life insurance to make the road to coverage a little smoother.

    Myth #1: I’m Single and Don’t Have Dependents, so I Don’t Need Coverage

    Even single persons need at least enough life insurance to cover the costs of personal debts, medical and funeral bills. If you are uninsured, you may leave a legacy of unpaid expenses for your family or executor to deal with. Plus, this can be a good way for low-income singles to leave a legacy to a favorite charity or other cause.

    Myth #2: My Life Insurance Coverage Needs Only Be Twice My Annual Salary

    The amount of life insurance each person needs depends on each person’s specific situation. There are many factors to consider . In addition to medical and funeral bills, you may need to pay off debts such as your mortgage and provide for your family for several years. A cash flow analysis is usually necessary in order to determine the true amount of insurance that must be purchased – the days of computing life coverage based only on one’s income-earning ability are long gone.

    Myth #3: My Term Life Insurance Coverage at Work is Sufficient

    Maybe, maybe not. For a single person of modest means, employer-paid or provided term coverage may actually be enough. But if you have a spouse or other dependents, or know that you will need coverage upon your death to pay estate taxes, then additional coverage may be necessary if the term policy does not meet the needs of the policyholder.

    Myth #4: The Cost of My Premiums Will Be Deductible

    Afraid not, at least in most cases. The cost of personal life insurance is never deductible unless the policyholder is self-employed and the coverage is used as asset protection for the business owner. Then the premiums are deductible on the Schedule C of the Form 1040.

    Myth #5: I Absolutely MUST Have Life Insurance at Any Cost

    In many cases, this is probably true. However, people with sizable assets and no debt or dependents may be better off self-insuring. If you have medical and funeral costs covered, then life insurance coverage may be optional.

    Myth #6: I Should ALWAYS Buy Term and Invest the Difference

    Not necessarily. There are distinct differences between term and permanent life insurance, and the cost of term life coverage can become prohibitively high in later years. Therefore, those who know for certain that they must be covered at death should consider permanent coverage. The total premium outlay for a more expensive permanent policy may be less than the ongoing premiums that could last for years longer with a less expensive term policy.

    There is also the risk of non-insurability to consider, which could be disastrous for those who may have estate tax issues and need life insurance to pay them. But this risk can be avoided with permanent coverage, which becomes paid up after a certain amount of premium has been paid and then remains in force until death.

    Myth #7: Variable Universal Life Policies are Always Superior to Straight Universal Life Policies Over the Long Run

    Many universal policies pay competitive interest rates, and variable universal life (VUL) policies contain several layers of fees relating to both the insurance and securities elements present in the policy. Therefore, if the variable subaccounts within the policy do not perform well, then the variable policyholder may well see a lower cash value than someone with a straight universal life policy.

    Poor market performance can even generate substantial cash calls inside variable policies that require additional premiums to be paid in order to keep the policy in force.

    Myth #8: Only Breadwinners Need Life Insurance Coverage

    Nonsense. The cost of replacing the services formerly provided by a deceased homemaker can be higher than you think, and insuring against the loss of a homemaker may make more sense than one might think, especially when it comes to cleaning and daycare costs.

    Myth #9: I Should Always Purchase the Return-of-Premium (ROP) Rider on Any Term Policy

    There are usually different levels of ROP riders available for policies that offer this feature. Many financial planners will tell you that this rider is not cost-effective and should be avoided. Whether you include this rider will depend on your risk tolerance and other possible investment objectives.

    A cash flow analysis will reveal whether you could come out ahead by investing the additional amount of the rider elsewhere versus including it in the policy. (Read more at Are Return-of-Premium Riders Worth It?)

    Myth #10: I’m Better Off Investing My Money Than Buying Life Insurance of Any Kind

    Hogwash. Until you reach the breakeven point of asset accumulation, you need life coverage of some sort (barring the exception discussed in Myth No.5.) Once you amass $1 million of liquid assets, you can consider whether to discontinue (or at least reduce) your million-dollar policy. But you take a big chance when you depend solely on your investments in the early years of your life, especially if you have dependents. If you die without coverage for them, there may be no other means of provision after the depletion of your current assets.

    The Bottom Line

    These are just some of the more prevalent misunderstandings concerning life insurance that the public faces today. Therefore, there are many life insurance questions you should ask yourself. The key concept to understand is that you shouldn’t leave life insurance out of your budget unless you have enough assets to cover expenses after you’re gone. For more information, consult your life insurance agent or financial advisor.


    Strathcarron Hospice – Virtual Christmas Tree – Donate and Light Up A

    #strathcarron hospice

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    Strathcarron Hospice – Light Up a Life – Virtual Christmas Tree

    Simply write a Message Tag in memory of a loved one and it will be added to our virtual Christmas Tree, and a new twinkling star will appear in the sky. You can browse the Messages Tags below, with the most recent at the top. Just click on a name in the list below to read the Message Tag and their Star will twinkle more brightly. See below to donate and add your own message! (Requires Flash 8 or greater).

    Special lights will be shining this Christmas at Strathcarron Hospice and also in Alloa, Cumbernauld, Stirling and Falkirk to honour and celebrate the lives of much loved relatives and friends. You can sponsor as many lights as you wish. For each light sponsored you will receive a special Light Up a Life Card which you can keep yourself or send to someone who shares your memories. The suggested donation is £5 per light, but all donations will be equally welcome. If you would like to sponsor a light in memory of loved one please see the main website or go along to our Light Up a Life Desk at The Thistle Centre Stirling, The Falkirk Mall, Tesco Cumbernauld or Alloa, or contact the Fundraising Department on 01324 826 222.

    In the meantime Light Up A Life with our virtual Christmas Tree below.

    To create a message simply donate any sum from £5 using the form below. On payment you will be able to enter your Message Tag in memory of a loved one. It will be added to the tree and a new twinkling star will appear in the sky. The name of your loved one will then show on the list enabling the world to share your message of love. It’s as easy as 1- 2- 3. Step 1: Donate using the form below. Step 2: Type in your Message. Step 3: Your loved one’s name appears on the list.

    *If you are a UK taxpayer and you tick this box, we can claim an extra 25p in every pound you donate from the Government. Our donations are handled by Secure payments through Paypal. You don’t need a Paypal Account, just pay by credit or debit card. For more information call our fundraising department on 01324 826222.





    Home – Davis Life – Annuity, life annuity.#Life #annuity


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    life annuity

    Life annuity

    Are you ready to experience high-level expertise to grow your life, annuities & LTC business?

    Davis Life & Annuity is a full-service wholesale insurance brokerage that focuses on life, annuities and LTC. For over 30 years now our agents have experienced the benefits of working with our highly qualified team as well as our close proximity to many of the nation’s top carriers.

    Our Experience Explains How We Can Provide Truly Expert Advice.

    • Two life marketers – over 50 years combined experience
    • Three annuity marketers – over 50 years combined experience
    • In-house underwriters – over 60 years combined experience
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    Call us today at 800-747-5612 to see what we can do for you!

    CLICK HERE to get contracted today!

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    Term life quote online #term #life #quote #online


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    WinQuote

    About this site and the WinQuote service

    In a single sentence, the purpose of this site is to empower consumers.

    This service is provided to enhance consumer awareness of the variety of life insurance products and offerings in the market-place. This site will be further expanded to include objective and impartial information about additional financial services and financial offerings in the marketplace. This is not a sales site. Therefore, unlike sales sites or sales lead solicitation sites, this site does not ask for your name or contact information and no identifying private or personal information is collected.

    Please note that the owners and operators of this site do not sell insurance or any other financial products, and are independent of all insurance agencies, insurance marketing organizations, insurance sales-lead solicitation organizations, and insurance companies.

    As our interest is to inform and educate, this site is the most objective and impartial public life insurance information and comparison on the Internet. The operators of this site do not generate revenue from the sale of insurance or the sale of sales leads or from listing charges to insurance agents, insurance agencies or insurance companies.

    The insurance agents, brokers and advisors who are listed are included in the listings at no charge. Listing qualifications are based on the listed professionals having indicated their intent to provide top-notch service to consumers, having sufficient financial and insurance knowledge to use professional life insurance research tools, and having also equipped themselves with with the most advanced and comprehensive consumer interest oriented life insurance research tools and data service.

    Please feel free to call us if you have any questions about the site or if you would like to share ideas or suggestions to further enhance and improve this free consumer information site to better empower consumers in navigating the maze of the life insurance marketplace.
    tel: 1-888-316-5433


    End of life care for adults #private #hospice

    #end of life care

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    End of life care for adults

    This NICE quality standard defines clinical best practice within this topic area. It provides specific, concise quality statements, measures and audience descriptors to provide the public, health and social care professionals, commissioners and service providers with definitions of high-quality care.

    This quality standard covers all settings and services in which care is provided by health and social care staff to all adults approaching the end of life. This includes adults who die suddenly or after a very brief illness. The quality standard does not cover condition-specific management and care, clinical management of specific physical symptoms or emergency planning and mass casualty incidents.

    This quality standard was previously called the quality standard for end of life care for adults.

    31 October 2013: Following the independent review of the use of the Liverpool Care Pathway (LCP) for the Dying Patient and the subsequent announcement of the phasing out of the LCP, interim amendments have been made to this quality standard. These amendments, which relate to the removal of direct and indirect references to the LCP, reflect the gradual phasing out of the LCP and ensure that the quality standard remains current.

    Supporting organisations





    NIHSeniorHealth: End of Life – Preparing For The End of Life #hotel

    #end of life care

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    For an enhanced version of this page please turn Javascript on.

    End of Life

    Preparing For The End of Life

    Few of us are comfortable talking about death, whether our own or a loved one’s. It is a scary, even taboo, subject for many. The end of a life, no matter how long and well lived, can bring with it a sense of loss and sadness. It can also be a reminder of our own mortality, so we may avoid even thinking about death.

    This is normal — but death is normal, too. All of us will face it at some point.

    Defining the End of Life

    The end of life and how people die has changed a great deal in the past century. Thanks in large part to advances in public health, medicine, and health care, most Americans no longer die suddenly from injury or infection. Instead, we live longer and, more often than not, die after a period of chronic illness.

    As a result, it is hard to know when the dying process begins. Some people pass quickly, while others recover from severe illness several times before death. Even people who are the same age and sex, with the same disease and state of health, are unlikely to reach the end of life at the same time.

    We often rely on health care providers to tell us when the end of life is near. But even the most experienced health care provider may find it hard to predict when someone will die. An expert may say the end is within weeks or months, but the dying person slips away much sooner or survives for a year or more.

    Preferences for the End of Life

    Because the end of life is hard to predict, it is best to plan ahead. You might want to start by asking yourself or a loved one, “What is the best way to plan for the end of life?”

    The answer will differ from person to person. Some people want to spend their final days at home, surrounded by family and friends. Others may prefer to be alone, or to be in a hospital receiving treatments for an illness until the very end.

    The answer may also change over time — the person who wanted everything possible done to prolong life may decide to change focus to comfort. Someone else who originally declined treatment may agree to an experimental therapy that may benefit future patients with the same condition.

    No matter how a person chooses to approach the end of their life, there are some common hopes — nearly everyone says they do not want to die in pain or to lose their dignity. Planning for end-of-life care, also known as advance care planning, can help ensure such hopes are fulfilled. To learn more about advance care planning, see Planning for Care.

    What Is End-of-Life Care?

    End-of-life care is the broad term used to describe the special support and attention given during the period leading up to death, when the goals of care focus on comfort and quality of life.

    Hospice Care

    One of the ways end-of-life care is provided is through hospice. Hospice, as defined by the Center for Medicare and Medicaid Services, is a program of care and support for a dying person whose doctor and a hospice medical director certify has less than six months to live.

    The focus of hospice is on comfort, not cure. Currently, patients must be willing to give up curative treatments to receive Medicare coverage for hospice care. (Medicare continues to pay for any covered health problems that are unrelated to the dying person’s terminal illness.)

    Palliative Care

    Unlike hospice care, you do not have to be dying or give up curative treatments to receive palliative care. The term “palliative care” is sometimes mistakenly used to mean end-of-life care, but palliative care is a treatment available to anyone of any age who is suffering from the discomforts, symptoms, and stress of a serious illness.

    Palliative care is used effectively to provide relief from many chronic conditions and their treatments, too. Older persons who are living with one or more chronic illnesses may benefit from palliative care long before they need end-of-life or hospice care. Unlike hospice care, palliative care may be used for as long as necessary.

    To learn more about hospice care, palliative care, and other types of end-of-life care, see Types of Care.

    Questions To Ask As the End of Life Approaches

    Regardless of a person’s choices for treatment and care at the end of life, it is important to maintain the quality of a dying person’s life. To better understand the care options available for someone who is approaching death, you may wish to ask the dying person’s health care provider the following questions.

    1. Since the illness is worsening, what will happen next?
    2. Why are you suggesting this test or treatment?
    3. Will the treatment bring physical comfort?
    4. Will the treatment speed up or slow down the dying process?
    5. What can we expect to happen in the coming days or weeks?
    6. If I or my loved one take this treatment or participate in this clinical trial, will it benefit others in the future?

    Additional Care Needs

    People at the end of life usually need additional care in several areas, including for physical symptoms, emotional and spiritual issues, and practical concerns. Other sections of this health care topic address how to help make sure these needs are met.





    Everett Car Insurance Agents #everett, #washington #insurance #agents, #everett, #washington #auto #insurance,


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    Car Insurance Agents in Everett, WA

    Find a Nationwide Insurance Agent in Everett, Washington

    Nationwide auto insurance

    In a city like Everett, a few accidents are bound to happen no matter how much we try to prevent them. Looking for a way to celebrate each year of safe driving you rack up? Try out our Vanishing Deductible program. And know that when you do need to make a claim, your repairs are backed by Nationwide’s On Your Side Claims Service. In the meantime, if you have questions about your coverage, we encourage you to talk to one of our Everett auto insurance agents.

    Nationwide homeowners insurance

    Even with a housing stock that spans several different eras of residential construction, the truth is that local homeowners face many of the same concerns no matter what year their home was built. The desire to rebuild or replace a home in the aftermath of a worst case scenario, for example, is all but universal. Not to mention other property structures or belongings that may need to be replaced. One of our Everett home insurance agents can discuss the coverage options with you, including Nationwide’s Brand New Belongings and Better Roof Replacement programs.

    Nationwide life insurance

    Worried about what will happen to loved ones if something should happen to you? You can get a Nationwide policy for long term care costs that likely aren’t included in health insurance benefits. Or maybe in addition to caring for loved ones, you’re considering a life insurance policy with a guaranteed cash value as an important component of your retirement planning. Whether you’re trying to choose the right type of policy or a payout amount that makes sense for your household, don’t hesitate to talk to one of our Everett life insurance agents.

    Nationwide business insurance

    Unique consumer and professional businesses populate any decent sized city. And of course, Everett is no exception. Each and every business needs some type of business insurance protection. Maybe it’s strong liability coverage. Maybe it’s vehicle insurance or other commercial property coverage. Maybe it’s medical payments coverage. For all your Everett business insurance needs, don’t hesitate to contact one of our agents.

    Local Insurance Quotes and Personalized Coverage

    Use Nationwide’s online tool to get estimates for any number of personalized coverage solutions. It only takes a few moments to enter the information and start generating results.


    Coffee enemas: A key to detoxification and whole-body wellness, whole life wellness.#Whole


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    Coffee enemas: A key to detoxification and whole-body wellness

    Tuesday, May 26, 2015 by: Ethan Huff

    Whole life wellness

    Whole life wellness

    Whole life wellness

    Whole life wellness

    Whole life wellness

    Whole life wellness

    Whole life wellness

    Coffee enemas stimulate release of toxic buildup in liver and gallbladder

    Instructions for performing a safe and effective coffee enema

    One quart of organic coffee (Biodynamic Wellness recommends therapeutic low roasted coffee available from GAPSInfo.com)

    Olive oil or organic coconut oil (another great option is jojoba oil)

    Dr. Bronner’s liquid soap (available online or at natural food grocers)

    Selectrolytes (available through GAPSInfo.com)

    Additional tips for a successful coffee enema

    107 N. Acacia Avenue Solana Beach, CA 92075

    Ethan Huff is a freelance writer and health enthusiast who loves exploring the vast world of natural foods and health, digging deep to get to the truth. He runs an online health publication of his own at http://wholesomeherald.blogspot.com.

    Whole life wellness

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    The War on Independent Media Has Begun

    Whole life wellnessA coordinated censorship attack is being waged against the entire independent media by Google, YouTube and Facebook. After we were banned by Google for nearly a week, now Facebook is deliberately blocking the sharing of our stories to further censor our important reporting for human freedom and medical choice. Soon, the only way we will be able to reach you is via email, and Google is sometimes blocking our email delivery to gmail users.

    Enter your email address below to subscribe to our email announcement list (but don’t use gmail). Your privacy is protected and you can unsubscribe at any time. If you don’t join our email list, you may never see our valuable content again via Facebook, Google or YouTube. CENSORSHIP has now reached EXTREME levels across the ‘net. The truth is being suffocated. Subscribe now if you want to escape the delusional bubble of false reality being pushed by Google and Facebook.


    What are palliative care and end of life care? #motel #santa #barbara

    #palliative care

    #

    What are palliative care and end of life care?

    What is palliative care?

    If you’ve been told you may not get better, you might also have heard about palliative care. Palliative care is for people living with a terminal illness where a cure is no longer possible. It’s also for people who have a complex illness and need their symptoms controlled. Although these people usually have an advanced, progressive condition, this isn’t always the case.

    Palliative care aims to treat or manage pain and other physical symptoms. It will also help with any psychological, social or spiritual needs. Palliative care includes caring for people who are nearing the end of life. This is called end of life care.

    The goal of palliative care is to help you and everyone affected by your illness to achieve the best quality of life. You might receive palliative care alongside particular treatments, such as chemotherapy or radiotherapy.

    • improves quality of life
    • provides relief from pain and other distressing symptoms
    • supports life and regards dying as a normal process
    • doesn’t quicken or postpone death
    • combines psychological and spiritual aspects of care
    • offers a support system to help people live as actively as possible until death
    • offers a support system to help the family cope during a person’s illness and in bereavement
    • uses a team approach to address the needs of the person who is ill and their families
    • also applies to the earlier stages of illness, alongside other therapies that are aimed at prolonging life

    More information on how we can help you or a loved one living with a terminal illness .

    What is end of life care?

    End of life care is an important part of palliative care for people who are nearing the end of life. End of life care is for people who are considered to be in the last year of life, but this timeframe can be difficult to predict.

    End of life care aims to help people live as well as possible and to die with dignity. It also refers to care during this time and can include additional support, such as help with legal matters. End of life care continues for as long as you need it.

    Who provides palliative care?

    The professionals who provide palliative care fall into two main groups:

    1. General care

    Those who provide day-to-day care to people with advanced illness and their family and friends, such as your GP, community nurses or Marie Curie Nurses.

    2. Specialist care

    Experts in palliative care, such as consultants in palliative medicine or clinical nurse specialists.

    You’re likely to need both general and specialist care as your needs change. Palliative care can be provided in different places including in your home, in hospital, at a care home or a hospice .

    General care

    Providing general palliative care is part of many health and social care professionals’ jobs. You might see these people regularly as part of your care:

    • your GP
    • community nurses
    • social workers
    • care workers
    • spiritual care professionals

    These professionals should be able to assess your care needs, and those of your family and friends. They should meet those needs where possible and know when to seek specialist advice. The aim of general palliative care is to provide:

    • information for you and your family or friends, and signposting to other services
    • accurate and all-round assessment of your needs
    • coordination of care teams in and out of hours
    • basic levels of symptom control
    • psychological, social, spiritual and practical support
    • good communication with you, your family or friends and the professionals supporting you

    Specialist care

    Specialist palliative care services manage more complex patient care problems that cannot be dealt with by generalist services. Palliative care specialists usually work in teams to provide joined-up care and you might see one or more specialists when you’re referred. Specialist teams include:

    • doctors and nurses
    • counsellors
    • specialist allied health professionals, such as physiotherapists, occupational therapists, dieticians and social workers

    Specialist palliative care services may be provided by the NHS (local health and social care trust in Northern Ireland), local councils and voluntary organisations. These could include inpatient and outpatient facilities and bereavement support services.

    Common myths about palliative care

    Palliative care is often misunderstood and some people believe things about it that aren’t true.

    MYTH: If I need palliative care it means I’ll have to go to a hospice
    You can receive palliative care in a range of settings including in your home, in hospital, in a care home or a hospice.

    MYTH: If I have palliative care it means my doctors have given up and I’ll no longer receive active treatment for my illness
    You can receive palliative care alongside active treatments for your illness, such as chemotherapy and radiotherapy.

    MYTH: If I have palliative care I’ll no longer be seen by other specialists who know about my particular illness
    You can receive palliative care support alongside care from the specialists who have been treating your particular illness.

    MYTH: Palliative care is just about treating pain and other physical symptoms
    Palliative care aims to provide a holistic approach to give you the best quality of life possible. This means caring for all your physical, emotional, psychological, social and other needs.

    MYTH: Only people who are ill can benefit from palliative care
    Palliative care teams are very aware that caring for someone with an advanced illness can have a big impact on family members and friends. Palliative care teams do what they can to help people cope.

    I want for nothing at this hospice. The staff give me all the medication I need and plenty of emotional support. They shower me because I get too breathless to do it myself. And they re always throwing tea and biscuits at me not literally, mind! Sylvia, person with a terminal illness

    External websites

    Carers UK – support and resources for carers

    NHS Inform – palliative care zone

    NHS Scotland – palliative care guidelines





    Line, Define Line at, the life line.#The #life #line


    #

    line 1

    Based on the Random House Dictionary, © Random House, Inc. 2017.

    Last week I turned 40, a bittersweet occasion because I crossed the line to living longer without my mother than with her.

    Is it any wonder that the interests of large corporations and unions get to the front of the line?

    In the end, the line between magic and religion may be something of an artificial one.

    Yet all too often the line between Southern and Confederate can get blurred.

    These people put their lives on the line for the rest of us, too.

    How restful this quiet and reserve after the colour and line tumult of the Higbee apartment.

    Garmer tried to steer me off this line of stocks the other night.

    All else is but the setting, and the eye sweeps with indifference the line of unpeopled rocks.

    We did not get on it till we had travelled along the line about fifteen miles.

    His voice was thin, but it kept that line of hands high above their heads.

    line 1

    1. the edge or contour of a shape, as in sculpture or architecture, or a mark on a painting, drawing, etc, defining or suggesting this
    2. the sum or type of such contours or marks, characteristic of a style or design: the line of a draughtsman, the line of a building
    1. a conducting wire, cable, or circuit for making connections between pieces of electrical apparatus, such as a cable for electric-power transmission, telecommunications, etc
    2. ( as modifier ): the line voltage
    1. the equator (esp in the phrase crossing the line )
    2. any circle or arc on the terrestrial or celestial sphere

    liny, liney, adjective

    line 2

    © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins

    Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012

    a Middle English merger of Old English line “cable, rope; series, row, row of letters; rule, direction,” and Old French ligne “guideline, cord, string; lineage, descent;” both from Latin linea “linen thread, string, line,” from phrase linea restis “linen cord,” from fem. of lineus (adj.) “of linen,” from linum “linen” (see linen).

    “to cover the inner side of,” late 14c., from Old English lin “linen cloth” (see linen). Linen was frequently used in the Middle Ages as a second layer of material on the inner side of a garment. Related: Lined; lining.

    late 14c., “to tie with a cord,” from line (n.). Meaning “to mark or mark off with lines” is from mid-15c. Sense of “to arrange in a line” is from 1640s; that of “to join a line” is by 1773. To line up “form a line” is attested by 1889, in U.S. football.

    The path traced by a moving point.

    A thin continuous mark, as that made by a pen, pencil, or brush applied to a surface.

    A crease in the skin, especially on the face; a wrinkle.

    In anatomy, a long narrow mark, strip, or streak distinguished from adjacent tissue by color, texture, or elevation.

    A real or imaginary mark positioned in relation to fixed points of reference.

    A border, boundary, or demarcation.

    A contour or an outline.

    A mark used to define a shape or represent a contour.

    Any of the marks that make up the formal design of a picture.

    A cable, rope, string, cord or wire.

    A general method, manner, or course of procedure.

    A manner or course of procedure determined by a specified factor.

    An official or prescribed policy.

    Ancestry or lineage.

    A series of persons, especially from one family, who succeed each other.

    Copyright © 2002, 2001, 1995 by Houghton Mifflin Company. Published by Houghton Mifflin Company.

    A geometric figure formed by a point moving in a fixed direction and in the reverse direction. The intersection of two planes is a line. ◇ The part of a line that lies between two points on the line is called a line segment.

    Copyright © 2002. Published by Houghton Mifflin. All rights reserved.

    line definition

    A set of points that have one dimension — length — but no width or height. (See coordinates.)

    Copyright © 2005 by Houghton Mifflin Company.

    Published by Houghton Mifflin Company. All rights reserved.

    1. One’s way of talking, esp when being persuasive or self-aggrandizing; spiel: of what in a later generation would have been termed her ”line”/ You’ve got some line(1903+)
    2. One’s occupation, business, etc; racket: What’s my line? Herring in brine(1655+)
    3. A musical solo or figure, esp personal and innovative: Coasters talk of ”lines,” not licks, breaks, or riffs(1930s+ Jazz musicians)
    4. A bookmaker’s odds on a sports event: Baseball, basketball, and hockey lines are available on the day or night of the games(1970s+ Gambling)
    5. A dose of cocaine, usually formed into a thin line to be nasally ingested (1980+ Narcotics)
    1. To hit the ball in a line drive (1892+ Baseball)
    2. Take cocaine: They lined twice last night, no wonder they’re tired

    Copyright (C) 2007 by HarperCollins Publishers.


    Life Insurance Call Center Tampa #life #insurance #call #center


    #

    Life Insurance Call Center for Tampa, Clearwater, Lakeland, St Petersburg, and All Other Cities in the United States from Answer Excellence

    Is your life insurance company in need of a call center? If the answer is yes, then you’ve come to the right place. At Answer Excellence, we have customized mission-critical communication solutions for life insurance companies across the nation for more than 25 years. We have a team of highly-trained operators who are thoroughly educated in every nuance of our customers’ business, and we’ll do the same for your life insurance company. From accurately directing new callers to the appropriate resources to providing current policy holders with the answers they need when time is of the utmost important, Answer Excellence will truly be a benefit to your business and enhance your relationship with your customers.

    SCALABLE SYSTEMS HELP ENSURE EXCELLENCE

    Our dedication to excellence in everything we undertake is best demonstrated by our extensive investments in internal auditing programs. One way that we ensure our operators are living up to the standards that our name demands is by recording all of our calls, randomly reviewing a few each week, and setting up feedback sessions with our team members.

    During our reviews, here are some of the things we check for:

    • Do they say please and thank you?
    • Do the operators sound engaged?
    • Do they confirm first and last name as well as phone number?
    • Do they follow the specific guidelines laid out by the client?

    So, when you’re searching for a call center that can handle the complexity of calls that come into your life insurance company, while maintaining a superior level of courtesy and care, look no further then Answer Excellence.

    For additional information about our life insurance call center, please call or e-mail Answer Excellence today. We happily serve businesses in Tampa, St Petersburg, Orlando, Lakeland, and all other major metropolitan areas in the country.

    Comments are closed.

    Special thanks from our customers

    “I feel like we’ve really made the right decision by working with you. You’re just the kind of support we need. “
    – Ginnie B. Political Campaign Assistant

    “The operators are very professional and they get the correct information on the message. We did not realize how many calls we had been missing.”
    – Sarah F. Investment Manager

    “You guys are doing a great job. You’re very professional and take exceptional messages that are accurate.”
    – Ann D. Posh Pools of Florida


    Find return rate on whole life insurance #term #life #insurance #rate #comparison


    #

    Find rate of return on whole life insurance

    When it comes to sorting the good whole life insurance policies from the bad, consumers focus on one number alone how much money their policy will generate.

    To project how much money your policy will yield 10, 20 or even 30 years from now, insurance companies calculate the policy s expected yearly growth. Better known as the internal rate of return, your IRR will dramatically change the longer you own the policy and will be a crucial factor for deciding whether it s smarter to hold on to your policy or shop around for a new one.

    Unfortunately, figuring out how much money your whole life policy is yielding now and what it will yield in the future is far more difficult than simply reading your policy s fine print. Here are some tips for determining how much cash your cash value policy is really providing.

    Don t do it alone

    Figuring out the rate of return on your whole life policy is almost impossible for consumers to do without help from the pros, says Tony Steuer, a life insurance analyst in Alameda, Calif. and author of Questions and Answers on Life Insurance.

    There are tons of moving parts to a lot of life insurance contracts … (and) insurance companies usually don t disclose certain information to their customers, like if they ve had a change in mortality rates, he says.

    Steuer adds that the method for calculating the rate of return on whole life insurance policies varies from company to company. While all companies factor in certain variables including how long you ve owned the policy, dividends (if applicable) and mortality charges, how much each factor counts for varies significantly between insurance providers and policies.

    Approach projections with caution

    While whole life providers frequently won t disclose how your rate of return is calculated, they will offer illustrations of how your policy is projected to perform in the future. All illustrations should include information on the costs of the policy, how much you ve paid, your current death benefit and the cash surrender value you would get for canceling the policy today. It should also include future predictions on how your policy should perform five, 10 and 20 years down the road. The bad news is that insurance illustrations are lengthy, frequently riddled with tough-to-understand industry jargon and could include predictions so outrageously optimistic, there s no way your policy will actually reach them.

    (Insurance illustrations) include a guaranteed column, says Kelly O Connor, managing agent with Mountain Financial, LLC, a wealth management group in Greenwood Village, Colo. This explains what the policy is guaranteed to look like over a certain time frame. (Consumers) can trust that guaranteed piece of the illustration.

    In certain whole life contracts, O Connor says that consumers can get an idea of how close other projections are by examining the company s dividend payout history.

    All mutual insurance companies publish their dividend history, so if you look back and see that they ve never been under 5.5 or 5.25 (percent dividends) for the last 100 years, there s a pretty good chance that that will continue, he says.

    Look ahead

    Cash value life insurance policies are designed to be long-term investments, not short-term ways to make a quick buck, says Glenn Daily, a Certified Financial Planner and fee-only insurance consultant based in New York City. To understand the rate of return for your policy, check out how the policy is projected to perform over the next few decades.

    If you re thinking of buying a new policy, You need to see the average annual and year-by-year rate of return for at least the first 20 years, says Daily. Those who already own policies should focus on the average annual and year-by-year rates of return for the next five to 10 years. By examining how their whole life policy is performing on a yearly basis, consumers get a firm idea of what kind of performance they can expect in the near future.

    Consumers should know that the year-by-year rate of return will substantially differ from the rate of return generated over several years, says James H. Hunt, a life insurance actuary for the Consumer Federation of America and former insurance commissioner of Vermont.

    It may take as long as 10 years for the average annual rate of return on a cash value life insurance policy to turn positive, mainly due to heavy first year commissions and related sales expenses, he says.

    When comparing policies or deciding if it s worthwhile to stick with the one you have, Hunt recommends hiring a third-party insurance analyst to evaluate whether a whole life policy makes sense in the long haul.

    It s impossible to know what you re getting into without hiring an expert, he says.


    AIA Group Limited – Pan-Asian Life Insurance Company, international life insurance company.#International


    #

    2017 Interim Results

    AIA Delivers Excellent Results in the First Half of 2017

    Annual Report 2016

    View our latest Annual Report

    ESG Report 2016

    View our latest ESG Report

    The Healthiest WorkPlace

    It’s a simple but important fact: employee health is key to business success.

    AIA Vitality

    We support you in taking charge of your health

    2017 Interim Results

    AIA Delivers Excellent Results in the First Half of 2017

    Annual Report 2016

    Longer, Healthier, Better Lives

    Environmental, Social, Governance

    Our commitment to Environmental, Social, Governance

    The Healthiest WorkPlace

    It’s a simple but important fact: employee health is key to business success.

    AIA Vitality

    We support you in taking charge of your health

    The Real Life Company

    We are genuinely engaged in people’s lives, providing the right financial solutions for them and their families in a constantly changing world. Together, we make The Real Life Company.

    Almost

    a century of history

    in the region
    Almost a century of history in the region

    100% Focused on Asia-Pacific

    AIA was founded in Asia, is headquartered in Asia and present in 18 markets across the Asia-Pacific region.

    100% Focused on Asia-Pacific
    We can help you plan and take the steps needed to

    ACHIEVE YOUR FINANCIAL GOALS

    providing you with peace of mind in a fast-paced and constantly changing world.

    AIA Group’s size and strength

    AIA Group’s Size and Strength

    Solutions TO MEET REAL LIFE NEEDS

    Our focus is on providing our customers with the right solutions to meet their individual needs, and in doing so help them solve whatever life challenges may arise. Please find below some examples.

    International life insurance company

    Providing Peace of Mind

    “We want peace of mind to grow our family”

    Eric and May started a new chapter in their life with the arrival of their son, Adrian, two years ago. Like so many other Hong Kong couples, they work extremely hard to provide for their family while also trying to fulfil their life goals.

    International life insurance company

    Take charge of your own health

    “I take charge of my life and my own health”

    Sing Mei enjoys spending time with her friends, seeing the world and advancing her career. She is starting to think more about her future and how she can keep enjoying everything she loves.

    International life insurance company

    Financially secure in good times and bad times

    “I want to be sure we are prepared for the unexpected.”

    Mr. and Mrs. Li are proud of their family, adore their grandchild and are comfortable with the thought of retiring after what they hope will be another 10 years of success in their work. However, Mr. and Mrs. Li wonder whether they have done all they can to protect themselves and their loved ones.

    AIA recognises everyone has different needs at different stages of life. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products.

    Putting a plan in place to achieve your financial goals requires both objective and expert advice. AIA’s professional and dedicated team offers high-quality advice and support that provides customers with the savings and insurance cover they need to meet the challenges and opportunities that life presents.

    Life Insurance

    Protect your loved ones’ future from life’s uncertainties


    The Blackford Centre: About us #study #courses #online, #home #study #certification #correspondence


    #

    Distance Learning Courses

    Our online courses can give you a new career

    At the Blackford Centre you can study for a new career – in fields that are exciting and in demand.

    What’s more, our courses let you study where and when you want.

    There are no exams: we use positive assessment instead.

    And you don’t ever have to show up and be ‘stuck’ in a musty classroom to attend evening classes.

    Since it’s distance education, everything is at your convenience.

    Plus, you get a valuable qualification that reflects your new knowledge.

    Courses like this one can give you a whole new career and way of life. We’ll give you the confidence to start the new career you’ve been dreaming of.

    And we specialize in courses that let you start your own business.

    To find out more, click the subject on the left that captures your interest.

    Learn from the experts

    Each of our separate divisions has its own specialized, expert tutors.

    And we only employ tutors who are actively working in their field and who want to spread their knowledge.

    Like this page?
    Tell your friends

    That way, you don’t get armchair experts or professional academics who lack experience of the real world.

    Plus, we’re more practical than many organizations. So you’ll find our courses contain more detailed information and instructions about how to run your own business.

    Study online

    When you study one of our courses you’ll access all of the materials online. So you won’t have to wait for the course to arrive.

    Once, you’ve enrolled we’ll provide you with login details and the name of your tutor. And as soon as you have these details you can log straight into the system and get started on the course.

    Your tutor

    As we’ve said, you’ll have your own personal tutor. Research shows you’re more likely to succeed in this interactive, customized way, compared with mere self-study or book learning.

    Our courses are fun

    Some organizations make their courses stuffy and tedious. We hate that. Our materials are written in a light-hearted way, so you’ll absorb the serious information while enjoying yourself.

    That means you’re more likely to complete your course, and get the qualification.

    We’re recognized

    As you’ll see from the logos on the top right of this page, we’re accredited by many independent certification organizations. That means your qualification has real worth in the eyes of other people.

    Payment is simple

    You can pay online using our secure SSL server. In fact, we never see your credit card details, because they get passed straight to the bank without us even glancing at them.

    But we know it’s quite a big website (we have lots to talk about). So If you can’t find the online payment page, let us know and we’ll tell you how to locate it.

    Take the next step

    Want to learn more? Simply click on the topics at the top of the page.

    And if you have any questions, please get in touch.


    Generate Life Insurance Leads Using These Four Life Insurance Prospecting Ideas, exclusive


    #

    Life Insurance Leads

    The Life Insurance Agents Life Support System.

    Insurance agents, this is your help website.

    Each topic page on our website is a mini training experience.

    Click on your topic of interest using the nav bar on left side of page

    Four Methods To Generate Life Insurance Leads.

    Life insurance leads are usually generated by a variation of these 4 methods depending on who you talk to. We will provide a general discussion of each area.

    If you want to review more detailed information on any of these methods discussed below, just click on the highlighted links on this page.

    So what is the real story on how to get insurance leads !

    Based on my years in the business, it is not uncommon that the agents first 100 prospects will probably consist of people they know. And then when they are gone, oops, what do we do? Well like most of us that started in this business we go through the following progression, which we call the prospecting ladder.

    Generating life insurance leads requires a system. It needs to be adhered to, day in and day out. It must become a habit. You must understand that this is how you replenish your inventory. When you run out of Inventory, you are out of work.

    Additionally, I have included some other concepts and prospecting ideas (methods 2,3 and 4 below ) that i learned and are not usually taught in home office schools.

    Prospect or Die E-Book – Just published Developed for insurance agents in need of prospecting ideas, techniques and concepts. Get yours now

    Name generation or cold calls as I refer to them. They require the most work. But they are names and people to call and they will create activity.

    These type of names are generated through, newspapers, credit bureau green sheets, chamber lists, club lists, new married, new babies born, buying lists of names and so on.

    These type of insurance sales leads usually consist of lists of people and are usually unqualified names. All you really have is a persons name, address and maybe couple other pieces of information.

    Here is a more indepth discussions on prospecting.

    METHOD NUMBER 2: These techniques provide a more qualified prospect.

    Setting up your own board of directors, (What is a board of directors?) and using lunch appointments to sit down with these key people from time to time is a good method. This is a low profile method to keep generating life insurance leads by using key people.

    Orphan policy holders. (Existing clients that no longer have an agent because the agent quit, moved away or whatever) your company manager can provide you with orphans. Just ask your agency manager.

    Just Meeting people in social events. Never get into discussion about your product. Set up teaser question and get persons name. “Mr. jones, Has anyone ever helped you set up a formula for saving money and determining your financial goals in life? I would like to give you a call and share some ideas with you sometime, if that is okay. Is it best to contact you during the day or is the evening better.” (remember,always give a choice.)

    METHOD NUMBER 3: And my most fun favorite was asking the people that said no when I was phone calling them for an interview: this was fun for me because I wanted to see how good I was and it was always a challenge.

    Here is how it worked—

    Before you hang up you should say something like this: Mr. Prospect, thanks for visiting with me, even though you are not interested in getting together with me at this time.

    Who do you know that may have just bought a new house, just had a baby, just got a job promotion? Wait for response. (Believe it or not most people will be glad to help give you life insurance leads, you just need to ask)

    METHOD NUMBER 4: Referrals:

    But the best way to generate free life insurance leads is the Referred lead System. Learning the referred lead concept will make your life easier in the long run and help you accelerate to the top of the prospecting ladder. This method is the most efficient. Not only will your income increase, but the size of your case and your persistencey will go up. There are two methods I used when I was selling: The referred lead card system and the appreciation dinner concept. So if your new just starting out in the business or a struggling agent, and if you want to make prospecting and selling life insurance less stressful, while making your professional life easier, take the time to learn the referred lead card system. Practice it till you get it right so that it is working for you.

    I hope this Life insurance leads and associated articles will help you with your prospecting skills.

    Before you leave, I want to personally invite you to sign up for our free Brainstorming newsletter. learn how this brainstorming newsletter can help you.


    Glossary Of Life Insurance Terms #life #insurance #definitions #and #terms


    #

    Life Insurance Resource Center

    Glossary Of Life Insurance Terms

    Agent – An insurance company representative licensed by the state who solicits and negotiates contracts of insurance, and provides service to the policyholder for the insurer. An agent can be independent agent who represents at least two insurance companies or a direct writer who represents and sells policies for one company only.

    Annuity – A contract that provides a periodic income at regular intervals, usually for life.

    Annuity Certain – A contract that provides an income for a specified number of years, regardless of life or death.

    Application – A statement of information made by a person applying for life insurance. It helps the life insurance company assess the acceptability of risk. Statement made in the application are used to decide on an applicant’s underwriting classification and premium rates.

    Beneficiary – The person named in the policy to receive the insurance proceeds at the death of the insured. Anyone can be named as a beneficiary.

    Bonus Rate Annuity – An extra percent of interest credited to an annuity during the first year that it is in force. The extra amount is above the interest rate to be credited beginning the second year and the remaining years that the annuity is in force. The extra rate is paid in the first year in an effort to attract new policyholders.

    Cash Surrender Value – The amount available in cash upon voluntary termination of a policy by its owner before it becomes payable by death or maturity. The amount is the cash value stated in the policy minus a surrender charge and any outstanding loans and any interest thereon.

    Direct Response – Insurance sold directly to the insured by an insurance company through its own employees by mail or over the counter.

    Disclosure Statement – A comparison form required by New York Department of Financial Services Regulations to be given to every applicant considering replacing one life insurance policy with another.

    Dividend – A return of part of the premium on participating insurance to reflect the difference between the premium charged and the combination of actual mortality, expense and investment experience. Dividends are not considered to be taxable distributions because they are interpreted as a refund of a portion of the premium paid.

    Evidence of Insurability – A statement or proof of your health, finances or job, which helps the insurer decide if you are an acceptable risk for life insurance.

    Expense – Your policy’s share of the company’s operating costs-fees for medical examinations and inspection reports, underwriting, printing costs, commissions, advertising, agency expenses, premium taxes, salaries, rent, etc. Such costs are important in determining dividends and premium rates.

    Face Amount – The amount stated on the face of the policy that will be paid in case of death or at the maturity of the policy. It does not include additional amounts payable under accidental death or other special provisions, or acquired through the application of policy dividends.

    Free Look Provision – A certain amount of time provided (usually between 10-30 days) to an insured in order to examine the insurance policy and if not satisfied, to return it to the company for a full refund.

    Insurable Interest – For persons related by blood, a substantial interest established through love and affection, and for all other persons, a lawful and substantial economic interest in having the life of the insured continue. An insurable interest is required when purchasing life insurance on another person.

    Lapse Rate – The rate at which life insurance policies terminate because of failure to pay the premiums. When policies are lapsed before enough premium payments are made to cover early policy expenses, the company must make up this loss from remaining policyholders. Therefore, the lapse rate will affect the cost of the policy.

    Life Expectancy – The probability of an individual living to a certain age according to a particular mortality table. This is the beginning point in calculating the pure cost of life insurance and annuities and is reflected in the basic premium.

    Misstatement of Age – The falsification of the applicant’s birth date on the application for insurance. When discovered, the coverage will be adjusted to reflect the correct age according to the premium paid in.

    Mortality – The incidence of death at each attained age; frequency of death.

    Non-Forfeiture – One of the choices available if the policy owner discontinues premium payments on a policy with a cash value. Options available are to take the cash value in cash or to use it to purchase extended term insurance or reduced paid-up insurance.

    Non-Participating – A life insurance policy in which the company does not distribute to policyowners any part of its surplus.

    Participating Policy – A life insurance policy under which the company agrees to distribute to policyowners the part of its surplus that its Board of Directors determines is not needed at the end of the business year. The distribution serves to reduce the premium the policyowners had paid.

    Policy – The printed legal document stating the terms of insurance contract that is issued to the policyowner by the company.

    Policy Proceeds – The amount actually paid on a life insurance policy at death or when the policyowner receives payment at surrender or maturity.

    Policyowner – The person who owns a life insurance policy. This is usually the insured person, but it may also be a relative of the insured, a partnership or a corporation.

    Premium – The payment, or one of the periodic payments, a policyowner agrees to make for an insurance policy. Depending on the terms of the policy, the premium may be paid in one payment or a series of regular payments, e.g. annually, semi-annually, quarterly or monthly. The premium charged reflects the expectation of loss, expenses and profit contingencies.

    Rating – The basis for an additional charge to the standard premium because the person insured is classified as a greater than normal risk usually resulting from impaired health or a hazardous occupation.

    Reduced Paid-up Insurance – A form of insurance available as a non-forfeiture option. It provides for continuation of the original insurance plan, but for a reduced amount, without further premiums.

    Reinstatement – Restoring a lapsed policy to its original premium paying status, upon payment by the policy owner, with interest, of all unpaid premiums and policy loans, and presentation of satisfactory evidence of insurability by the insured.

    Rider – An endorsement to an insurance policy that modifies clauses and provisions of the policy, including or excluding coverage.

    Risk Classification – The process by which a company decides how its premium rates for life insurance should differ according to the risk characteristics of individuals insured (e.g. age, occupation, sex, state of health) and then applies the resulting rules to individual applications.

    Settlement Options – The several ways, other than immediate payment in cash, in which a policyholder or beneficiary may choose to have policy benefits paid. These options typically include the following:

    • Interest Option – death benefit left on deposit at interest with the insurance company with earnings paid to the beneficiary annually.
    • Fixed Amount Option – death benefit paid in a series of fixed amount installments until the proceeds and interest earned terminate.
    • Fixed Period Option – death benefit left on deposit with the insurance company with the death benefit plus interest paid out in equal payments for the period of time selected.
    • Life Income Option – death benefit plus interest paid through a life annuity. Income continues under a straight life income option for as long as the beneficiary lives or whether or not the beneficiary lives, under a life income with period certain option.

    Standard Risk – The classification of a person applying for a life insurance policy who fits the physical, occupational and other standards on which the normal premium rates are based.

    Substandard Risk – The classification of a person applying for a life insurance policy who does not meet the requirements set for the standard risk. An additional premium is charged on substandard risks to provide for the probability that such a person will have a shorter life span than a standard risk.

    Supplementary Contract – An agreement between a life insurance company and a policyowner or beneficiary in which the company retains at least part of the cash sum payable under an insurance policy and makes payment in accordance with the settlement option chosen.

    Underwriter – The person who reviews the application for insurance and decides if the applicant is acceptable and at what premium rate.

    Underwriting – The process by which a life insurance company determines whether it can accept an application for life insurance, and if so, on what basis so that the proper premium is charged.


    MoneySuperMarket s Guide To Lifetime Pet Insurance #lifetime #life #insurance


    #

    Lifetime pet insurance guide

    You can’t rush your pet to the local hospital and receive free treatment on the NHS, which is why most people take out pet insurance.

    A decent pet insurance policy typically covers the medial expenses if your pet is ill or injured. You can also usually add on a range of other benefits such as third party liability (if your pet causes an accident or injures someone or damages their property), depending on your needs and budget.

    Types of cover

    Pet insurance plans can be divided into two broad categories: lifetime and non lifetime policies. And it’s important to understand the difference or you could end up with a poorly pooch and a big vet’s bill.

    Lifetime pet insurance is usually the most expensive because it offers the most comprehensive protection. A lifetime policy is essentially designed to pay for any chronic or recurring condition during the pet’s lifetime. This is attractive because, with non lifetime policies, animals might be refused cover once they reach a certain age, or because of pre-existing medical conditions.

    So lifetime cover sounds straightforward, but it can be confusing. For a start, lifetime pet insurance does not offer unlimited cover, so you need to read the small print carefully to see how much your policy will pay out in certain situations.

    You also have to renew the cover every year. It is still a 12-month contract, which means the insurer could technically turn you down – although this would be an unusual step.

    Lifetime pet insurance is usually the most expensive because it offers the most comprehensive protection.

    Variations on a theme

    There are two types of lifetime cover. Some policies set an annual limit per condition, say £7,000. So, if your dog developed arthritis, the maximum you could claim for medical treatment for the disease in any one year would be £7,000.

    In other words, if the vet’s bills one year came to £6,500 you would be covered by the policy. But if the bill for the year came in at £8,000, you would have to pay £1,000 out of your own pocket.

    At the end of the year, assuming you renewed the cover, the dog would continue to be insured for arthritis, with the limit on what you could claim being reset to £7,000. So if the animal was still receiving treatment, you could therefore put in another claim for up to £7,000 – and so on, year after year.

    This is another distinct advantage of the lifetime policy – treatment can continue across policy ‘years’ – it doesn’t have to stop as it would at the end of a single, 12-month policy.

    Remember that the limit applies to each condition. If your pet was unfortunate enough to contract both arthritis and diabetes in the same year, you could claim up to £7,000 (in this example) for the treatment of each illness.

    Condition limit

    The second type of lifetime policy sets an overall or lifetime limit for each condition.

    If the lifetime limit is, for example, £50,000, you would be able to claim up to £50,000 for each condition until the pet died or you chose not to renew the policy.

    Let’s go back to our arthritic dog. If we assume the animal were treated for arthritis for 10 years and the total cost came to £45,000, the policy would pay out. But if the bill totaled £53,000, the owner would have to stump up £3,000.

    Advantages

    So, the advantages of a lifetime policy are the continual cover for a particular condition and the high limits. A more basic pet plan, such as a time-limited policy, would only cover the animal for a particular condition for a set period of time, normally 12 months. The condition would then be excluded. The maximum payout would also normally be lower.

    If you are concerned about the high medical cost of a chronic illness, then lifetime pet insurance could be a sensible choice, particularly if you have a pedigree pet. But as with all pet insurance policies, there are exclusions to lifetime plans. There might, for example, be age limits. Some policies also exclude hereditary conditions.

    Also, and as you might expect, the premiums for lifetime pet cover can be high relative to 12-month policies. But you might decide this price is well worth paying because of the additional policy features.

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    Whole Of Life Insurance #whole #life #insurance, #whole #of #life #insurance


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    Whole Of Life Insurance

    What Is Term Life Insurance? Term Life Insurance is a cheap form of life insurance that covers you and those ‘assured’ in the event of death or a critical illness. You pay a regular monthly premium for a set period (or term) at the end of which the policy expires. Typically the period of cover would be about 20 to 30 years and could be taken to cover a mortgage or loan, or to protect your family. Term Life Assurance can be taken out on single or joint lives and you do not have to be the main breadwinner to require cover.

    Level Term Insurance: Level Term Insurance is where the ‘sum assured’ remains the same throughout the term of the policy. This type of policy is more suitable if you have an Interest Only Mortgage or for Family Protection .

    Decreasing Term Insurance: The sum assured decreases throughout the term of the policy. This type of insurance would typically be used to cover a Repayment Mortgage where the sum owed decreases. Decreasing Term Insurance is therefore cheaper than Level Term Insurance.

    Mortgage Term Insurance: Mortgage Term Insurance would be the term used for a policy that is taken out to protect your mortgage. The policy would pay off the full amount of the mortgage to protect the family home in the event of your death.

    If you have a family and/or a mortgage, life insurance can give you peace of mind that they will be looked after in the tragic event of your death. None of us like to think about it, but understanding how this type of insurance works could save you money.

    You should first look at term insurance. This temporary form of life insurance is offered by most insurance companies, a number of friendly societies and other financial providers.

    It’s based on a simple concept – the insurer guarantees to pay the policy benefits if you die within a given time. If you survive to the end of the policy’s term, no benefit will be paid.

    The term of the policy depends upon you and may be anything from a few years to several decades but it should coincide with your need for protection. Policies may be written on your life or on the life of yourself and your partner. Term insurance is the least expensive form of life cover. Be aware that premiums for men tend to be higher because on average they do not live as long as women. Premiums for smokers are more expensive.

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    Getting the right life insurance policy is an important decision and it can be quite a daunting prospect but one that should not be taken lightly. Do you fully understand what features the different policies offer and why premiums vary so much? None of us want to think about dying, but as you are considering taking out life insurance to protect either your home or your family then you do want to make sure that the things you value most are protected.

    It is important therefore, that you take a little time considering what it is you’re buying. Many websites claim to provide an ‘online quote’ but more often than not these are not at all accurate as they are based on someone of a certain (young) age in perfect health. If you have had previous health issues, there is a family history, lifestyle considerations or are involved in what is considered a hazardous occupation or take part in a dangerous sport (and this could be a sport that you hadn’t considered as dangerous) it is important that you do declare this. It may not necessarily affect the cost of your policy but if, tragically, a claim were to be made, this could be declined due to non-disclosure, even if the cause of death were totally unrelated.

    Our service offers access to every single life insurance policy on the market. When you submit your enquiry you will be designated your own personal expert advisor who will work on your behalf to research the whole market to find the best policy for you and your family. No-one will visit you, after a short phone call to establish your circumstances and requirements your advisor will be working for you to SAVE YOU TIME AND MONEY and give you peace of mind. If you decide to proceed the forms will be completed on your behalf and all you’ll need to do is sign and return them.

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    The easiest and quickest way to get you the best quote is for an advisor to speak to you to fully understand your requirements and circumstances.

    Once you have your quote you will not be bothered further and it is entirely up to you whether you proceed. You do not have to follow the recommendations made!

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    Links

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    A guide to ERP useful life and how to calculate it #advantage


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    A guide to ERP useful life and how to calculate it

    Our ERP systems are a tool we use to help our business and like any tool, there will come a point when they are no longer valuable. How do we know when that moment arrives? What options might we use?

    Take the original cost of your ERP. Add to it the money spent on hardware and network systems and the costs to begin using the system. Add now the annual cost to keep the ERP running. Then add up the money value or that same ERP for your business year by year. Chart the money going out and the value coming in.

    You might see the money out is higher at first but you should see the value coming in pass the money out soon. If you see the money out exceed the incoming value after a few years that ERP is beyond its useful life.

    This is not hard science. Were you going to upgrade your network anyway and that cost might not be related to ERP? You are not contractually liable to pay for ongoing support. But, would your value diminish if you did not?

    The impact of modern technology on ERP useful life

    The ERP software industry is much more advanced than it was 25 years ago. The weaker competitors that did not keep their products up-to-date are mostly gone. If you choose an ERP provider that will stay in business and upgrade their products along with improvements in hardware and software, your useful life might be infinite as long as your requirements remain consistent.

    This step-by-step guide to calculating ERP ROI will help you establish what new software can offer in the long term

    You can help yourself improve the life of your ERP too. Keep paying for annual support and upgrades. Your provider should be busy making improvements you and others of their customers ask for. They should fix bugs and other problems quickly and regularly. As long as you understand what changed and actually install the new version it is available to use.

    Upgrading processes and the effect on useful life

    Next, you might need to upgrade some internal processes to take advantage of the software change. Pay attention to your ERP revisions and use what makes value for your business. Basic actions you can take include:

    • Keeping your infrastructure up-to-date. If users complain about the speed of your ERP, it could be your own fault.
    • Looking for third party customizations and integrations that you can use to improve your processes and better your bottom line. While your in-house ERP team might manage just fine, there is a whole world of developers whose ideas can help you – seek them out. Since your ERP runs using standard web systems, man third party systems can be connected easily to your ERP.
    • Use business intelligence and workflow tools and keep looking for more ways to make optimal choices faster and at the lowest possible level.

    Another way to look at useful life is to study your local tax rules. Many tax authorities define a useful life as the number of years to depreciate an asset. That is the lazy way. Use your ERP to add value and never stop looking for more value.

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    Care solutions for life #care #solutions #for #life


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    How to Cancel Life Insurance: 13 Steps (with Pictures) #cancel #term #life


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    How to Cancel Life Insurance

    There are many reasons why you many need to cancel life insurance for yourself or a loved one. You may no longer have the funds to pay for the policy. You may want to cash out the money that you have put into the policy, or you may want to cancel a policy with one company so that you can purchase a new policy with a different company. Whatever the reason, cancelling your policy is an easy business transaction that can be handled simply and professionally.

    Steps Edit

    Part One of Three:
    Researching How to Cancel Edit

    Visit the company’s website. If you have a policy with a large national or regional insurer, then it should have a website. Visit the company’s website and see if they have information about cancellation.

    • You can find a website address on any piece of correspondence that the insurer has sent you. Or you can search on the web: type the name of your insurer into your favorite web browser.
    • Look in the Frequently Asked Questions sections to see if there is information about who to contact.

    Contact a broker. Before cancelling your life insurance policy, you should contact an experienced broker to ask any questions you may have about your decision to cancel. Even if you know for sure that you are going to cancel your policy, it is good to have someone to talk to about your choice who is an expert in life insurance issues.

    • If you do not have a broker already, contact your life insurance company to set you up with someone. Finding a broker through your insurance company will insure that you work with a broker who is properly licensed and who is recommended by experts.

    Meet with an accountant. There can be tax consequences of cancelling a policy. Whole and universal life insurance policies build up cash value through excess premiums and earnings. When you cancel, the insurance company cuts you a check for this amount. [1] This money may or may not be taxed.

    • Only an experienced tax professional can answer questions about the tax consequences of cancelling life insurance.

    Research partial withdrawal policies. If you have a universal life insurance policy, you may be able to withdraw some of the cash value from your policy without cancelling out of the policy altogether. [2] Doing so would free up some of the cash for you to use, but you would still have money in the policy in the event of your death.

    • However, taking a “loan” from your life insurance policy can have consequences, so make sure to speak with your broker before taking this option.
    • For example, some policies will reduce the amount of the death benefit and will not allow you to repay the loan to raise it again.
    • Additionally, in some circumstances, you could pay a tax on the amount that you take out of the policy.

    Ask about the consequences of cancelling. You may have to pay a cancellation fee or penalty. [3] Also, the policy may state that some of the money that has accumulated in the insurance policy may be returned to you.

    • Look at your life insurance policy. It should include a clause detailing the cancellation fee or penalty. If the policy will return money to you upon cancellation, then the fee or penalty will be deducted from it. [4]
    • Some newer life insurance policies include a cancellation clause in which the penalty decreases over the life of the policy. In other words, the longer you have had the policy the lower your penalty will be. [5]

    Try to keep the policy. If you want to cancel because of a temporary job loss or because your employer has stopped paying premiums, then consider if there is any way to continue making premium payments. You could pull money from other parts of your budget or get a part-time job.

    • Also talk with your insurance company. Some companies might let you reduce the face amount of the policy, thus lowering your premiums. Also, you may be able to use some of the plan’s cash value to cover premiums. [6]

    Start early. If you intend to have a more affordable policy, then you should have a second policy in place before you cancel your first one.

    • The amount of time to process a life insurance application varies from 15 minutes to 2 months. [10] You should give yourself plenty of time.
    • If you have to undergo a medical exam or submit medical records, then you should account for that as well.
    • Getting a complete set of medical records can be cumbersome as offices are overwhelmed with requests for copies of records. [11]

    Get quotes. If you cancelled the insurance policy because it was too expensive but still want coverage, then you will need to find affordable insurance. You should contact a broker or visit the websites for major insurers.

    • You can look into “term” life insurance. Term life insurance often has lower premiums because it is in effect for only a specific amount of time, during which you pay the premiums, whereas whole life insurance is in effect for the entirety of your life, even after the premiums have been paid. [12]
    • Term life insurance is recommended for those under 40 or those who do not have sufficient income to pay for whole life insurance. [13]

    Apply for a policy. Gather the paperwork and fill it out. Keep a copy for your records and mail the original back.

    • Also schedule any required medical exam and request medical records.
    • You should receive confirmation within a month. [14]