Posts Tagged ‘everything’

Cheap Life – Got Everything Covered – Including Life Insurance?

We learned recently about a lady who was applying for a mortgage and thus arrange life insurance. Since they only in their mid 30s and in good health, she was quite surprised about the breast cancer that her mother suffered in the past had to be questioned. Her mother was also recovered from the disease and had been assured that there is one that achieved in almost all cases, no further progress. Since they knew that was not nine out of ten cases of breast cancer hereditary, not to see ithow it could possibly affect their proposal.

She had filled in the application as best they could. When the mother was still alive and well and in light of the facts mentioned above, she had not worked out under the condition of their mother. The insurers had been asked, however, are diagnosed at what age the mother, she said that information is required to assess accurately the mortgage application.

In fact, the mother had been during a regular mammogram screening diagnosed when, inher mid 50′s â?? almost ten years ago. It was actually a pre-cancerous condition which in 90 per cent of cases does not develop any further. Known as DCIS, or ductal carcinoma in situ, the lady’s mother had actually gone on to write about the uncertainties which surround this type of cancer. Less than 10 per cent of cancers are caused by specific gene defections. She was staggered to discover that simply attending a routing screening could produce possible financial implications years later.

The insurance company were contacted and an excerpt from the book was sent to them, to the point that the doctors knew little about this condition and there was no evidence of a genetic element. She then made a standard policy, no further investigations. Advisory Committee of the consumer group for clinical studies say that it is only in recent years that patients were informed about the possibility of long-term consequences in relation to screening.

The Insurance Ombudsmanwas asked, the possibility that life cover may be refused to investigate whether the applicant has a family history of cancer. The British Medical Association considers the case as an example of how insurers find they are a misuse of such genetic information in the application of the evaluation to the applications.

This case demonstrates the controversial decision by the government to allow insurers to make the use of genetic testing to enable them to identify people with genetic diseases. Thismeans that companies refuse to cover or increase premiums for people who have genes that could lead to deadly diseases can be inherited. The case was apparently called the British Medical Association Ethics Committee. read more http://www.cheaplife.pannipa.com/2009/09/got-everything-covered-including-life-insurance/

Got Everything Covered – Including Life Insurance?

We learned recently about a lady who was applying for a mortgage and therefore arranging life insurance. As she was only in her mid 30′s and in good health, she was quite surprised to be quizzed about the breast cancer which her mother had suffered from in the past. Her mother had recovered well from the illness and had been assured that it was one which, in almost all cases, progressed no further. As she knew the nine out of ten breast cancers were non-hereditary, she failed to see how it could possibly affect her proposal.

She had filled in the application as well as she possibly could. As her mother was alive and well and in view of the facts mentioned above, she had not elaborated on her mother’s condition. The insurers, however, asked at what age her mother had been diagnosed, saying they needed this information to accurately assess the mortgage application.

In actual fact her mother had been diagnosed during a regular breast screening when she was in her mid 50′s – almost ten years ago. It was actually a pre-cancerous condition which in 90 per cent of cases does not develop any further. Known as DCIS, or ductal carcinoma in situ, the lady’s mother had actually gone on to write about the uncertainties which surround this type of cancer. Less than 10 per cent of cancers are caused by specific gene defections. She was staggered to discover that simply attending a routing screening could produce possible financial implications years later.

The insurance company were contacted and an excerpt from the book was sent to them, which made the point that doctors knew little about this condition and there being no evidence of a genetic element. They then issued a standard policy with no further investigations. The Consumers’ Advisory Group for Clinical Trials say that it’s only in recent years that patients have been informed of the possibility of long term consequences regarding screening.

The Insurance Ombudsman has been asked to investigate the possibility that life cover could be refused if applicants have a family history of cancer. The British Medical Association viewed the case as an example of the way insurers may find they’re misusing such genetic information when applying assessments to applications.

This case highlights the controversial decision of the Government to allow insurers to make use of genetic tests, to enable them to identify persons with hereditary illnesses. This means that companies may refuse cover or increase premiums for people who have inherited genes which could lead to fatal conditions. The case has apparently been referred to the British Medical Associations ethics committee.

According to the Association of British Insurers, companies have routinely used genetic information, as they have always asked for details of the family health history for applicants. Whatever the outcome, it’s crucial to be completely open and answer all questions when applying for any type of insurance. Something undisclosed, however trivial it may seem, can cause real problems in the future.

For advice on all things insurance-related, you’ll find all the help you need by going on-line. Find an independent broker, who’ll have the answer to all your questions and an amazingly wide range of products at the very best rates.

Why is everything related to breast cancer?

Does anyone else find it annoying that most cancer related products are related to breast cancer? Many of us are fighting other cancers, yet the products are all pink!

Does anyone know where to find brain cancer/tumor related products? I’ve been to zazzle and cafe express. Thanks!

Why is everything breast cancer awareness?

I just noticed that everything somehow squeezes in breast cancer awareness. they even have pink cows on farmville on facebook. why all of a sudden?? I think it’s great that people are finally seeing the message, but I’m just curious as to why now.

what do i do with a mom who has cancer and all she does is blame me for everything?

she found out she has breast cancer in February and ever since she has fought me with something EVERY SINGLE DAY
yesterday my family jsut got back from our first family vacation together that lasted 2 days. my mom started telling me that i had to read my summer reading books the very minute. i told her that i wanted to enjoy the family vacation and that ill read the books when we get back. she started yellling at me like if i was her goddamn worst enemy.

she blames me for everything. she said that my dad finds me incredibly annoying when hes the one whos almost always there for me.
she says he doesnt care about me or my grades. she says that my friends dont talk to me sometimes bc they find me annoying as hell. she says i cant except criticism and blames my dads family for that. she says that we act like we’re spoiled brats.

ok yea maybe they spoiled me by sending me on vacation for 1.5 months. i diddnt ask for that. they just threw mer in a plane and said bye.

im living in a crummy smal basement while our house is being renovated. my brother hates me and my parents and listens to awful death metal all day. i share a room with him.
my dad leaves at 5 am and comes back at 11 pm everyday. the days he comes home early bc he has to bring my mom to her chemo session he tries to relax a little but my mom comes barging in and yells at us for not emptying the dishwasher or cleaning our rooms..

last ewekend when we were at the beach for the 2 days. my mom got mad at me again. i dont even remeber what. so i decided to take a walk. my dad followed me with the dog and left my mom alone so that she could read in quiet. while we walked back we sat down in the shade and just talked. my mom came over and said she was tried of the beach her foot hurt and that she didnt want to stay any longer. i told her that it wasnt fair and that we had only been on the beach for 30 minutes. she starts yelling at me and said that she was alone while we were talking. she said we made HER look like the bad guy in the situation. i asked her if i was the badguy in the situatution and she said yes and walked off.
my dad followed her and i was left alone on the beach. when i walked back home my mom was making lunch. except she ddnt make me lunch. i opened the firdge to see if there was anythign to eat and when i grabbed the laszt apple she said no you cant have that its for my chemo diet,

i wanted to scream. shes a nagging bitch and I HATE HER
i don’t care if shes sick
all shes doing is taking advantage of her sickness.

the fact that she turns away all my friends and family by saying that they think im annoying makes me feel all alone
and now look at me
ive resolved to telling complete strangers my problems bc i feel like no one wants to listen to me.