Who should have life insurance and why?

WHAT’S INSIDE? » Who should have life insurance and why? » How much life insurance do you need? » What kind of life insurance is best for you? » Why choose Nationwide

Who should have life insurance and why? Generally, anyone who has people who are financially dependent on them is a good candidate for life insurance, including: » People with children » Married couples or soon-to-be-married couples » Single people who support siblings, aging parents or who have debt they wouldn’t like passed on to relatives » Someone who changed jobs or was promoted and may now have a higher income and greater financial obligations » Business owners thinking about business succession or keeping key employees If something were to happen to you, life insurance may help your family: » Maintain their standard of living » Pay off your funeral or other final expenses » Pay off the mortgage so they don’t have to sell their home » Pay off your other debts » Establish a college savings account for your children 3 How much life insurance do you need? Everyone is different, but a general rule of thumb is to purchase enough life insurance to cover five to seven times your current salary (up to 10 times if you’re the breadwinner in the family). This calculation is pretty general, though. So, if you’d like to find an amount more tailored to your specific needs, talk to your insurance professional. He or she can help you compare your life insurance protection needs with the assets you already have

Use your policy to help cover long-term care expenses and more. Many products today also offer optional features and services, usually for an additional cost, that you can add to your policy for a more customized solution to your planning needs. One example is a long-term care rider, which can help protect against the devastating impact that expenses such as home health care, assisted-living arrangements or nursing home care could have on your personal finances.

BASIC CONCEPTS OF DEMOGRAPHY KEY WORDS Average age   Size of population Generation mortality table   Selection table Mortality table  Life expectancy at birth  Probability of death    Probability of survival  Life table  Disability adjusted life expectancy  Age structure  Life expectancy    In order for insurance to be of help in the planning of the life cycle, the insurer must have concrete ideas and specific models in mind regarding the path of human life cycles and their most  important  parameters.  

(For  example,  their  average  length,  the  ratio  of  active  and inactive  stages,  their  distribution,  the  probability  of  death,  illness,  accidents,  the  expected extent  of  illness  or  injury  from  accidents,  etc.)  This  information  is  usually  obtained  from public  sources,  which  are  mostly  collected  as  a  part  of  a  separate  social  science, demography (the science of populations.) 

In the following sections we will get to know some demographical concepts and implications that are important with respect to insurance. 1.1. TOTAL POPULATION In  general,  demography  -  similarly  as  insurance  -  deals  with  the  patterns  involving  the „movements” of large population masses. One of the most important such indicator-systems is one  that refers  to the  changes and composition  of the  population size of  a regional unit (usually a country).

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Mesothelioma is a rare and aggressive cancer.

Mesothelioma

Mesothelioma is a rare and aggressive cancer. It is caused by asbestos and forms on the protective tissues covering the lungs, abdomen and heart. Symptoms include coughing, chest pain and shortness of breath. Treatments combining surgery, radiation and chemotherapy improve survival and life expectancy.

The American Cancer Society records about 3,000 new cases of mesothelioma each year in the U.S.

It’s a disease that mostly affects people who worked with asbestos and products containing asbestos.

While there are treatments that control tumor growth, researchers have not found a definitive cure for the cancer.

Causes

Mesothelioma is a rare cancer caused by exposure to asbestos.

The cancer develops when a person ingests asbestos, and it causes changes to a person’s DNA.

Our genes, which are made of DNA, control how cells grow, multiply and die. Changes in our genes may cause cells to divide out of control and may lead to cancer.

Development of Mesothelioma

1. A person inhales or swallows airborne asbestos fibers.
2. The asbestos fibers become lodged in the lining of the lungs, abdomen or heart.
3. The embedded fibers damage the mesothelial cells and cause inflammation.
4. Over time, tumors begin to form on the damaged mesothelium, which is the lining of the abdomen, lung, heart and testes.

Tumors also can be benign (noncancerous). But when tumors are cancerous, doctors call the disease malignant mesothelioma. It is often shortened to mesothelioma.

Symptoms

Common mesothelioma symptoms include:

• Dry coughing
• Shortness of breath
• Respiratory complications
• Pain in the chest or abdomen
• Fever or night sweats
• Pleural effusion (fluid around the lungs)
• Fatigue
• Weakness in the muscles

These mesothelioma symptoms usually do not show until tumors have grown and spread. Mesothelioma latency is 20-50 years. That’s how long it takes from initial exposure to accurate diagnosis. For that reason, many people with mesothelioma are in their 60s or 70s.

You should talk to a mesothelioma specialist soon if you have a history of asbestos exposure and experience these symptoms. An early diagnosis may improve your prognosis and life expectancy.

Types of Mesothelioma

Oncologists name each type of mesothelioma by the location in the body where it develops.

The pleural and peritoneal types of mesothelioma are the most common. Pericardial accounts for 1 percent of cases. Another rare type is testicular mesothelioma. It represents less than 1 percent of all mesotheliomas.

Prognosis, symptoms and treatment options vary by type.

Who Is Most at Risk of Mesothelioma?

Veterans

Asbestos use in the military was widespread from 1940 to 1980. Veterans from all branches of the U.S. armed forces were at risk of exposure. Navy veterans are most at risk. This branch used the largest quantity of asbestos products.

Occupational Exposure

More than 75 occupations have exposed workers to asbestos. Auto mechanics, textile workers, steel mill workers, construction workers and firefighters are among the most at risk.

Secondary Exposure

Asbestos workers unknowingly carried asbestos fibers on their body and clothing. This resulted in secondary asbestos exposure among residents such as women and children.

Prognosis

Younger patients and women have a better mesothelioma prognosis than older men. People diagnosed with peritoneal mesothelioma also have a higher chance of survival.

Patients eligible to undergo multimodal therapy, which is a combination of two or more standard-of-care treatments, have a better life expectancy and improved prognosis.

A patient’s mesothelioma cell type also plays a significant role in prognosis and life expectancy.

The three types of cells include:

Epithelioid

These cells are the most responsive to treatment, which improves prognosis and life expectancy. They comprise 50 percent of mesothelioma diagnoses.

Sarcomatoid

These cells are the least responsive to treatment. Patients with this cell type have a poorer prognosis and shorter life expectancy. These cells comprise 10 percent of diagnoses.

Biphasic

A combination of epithelioid and sarcomatoid cells. This type is less responsive to treatment. But prognosis and life expectancy depends on the ratio of both types of cells. This type accounts for 30-40 percent of diagnoses.

Common Questions About Mesothelioma Prognosis

How Long Do Mesothelioma Patients Live?

The life expectancy for most patients is about 12 months after diagnosis.

What Factors Affect Prognosis?

Stage and cell type of the cancer are the factors that most affect prognosis. Age, gender and patient’s asbestos exposure history also affect survival outlook.

How Can Patients Improve Their Prognosis?

Eating a nutrient-rich diet, undergoing cancer treatments, including multimodal therapy, and staying healthy can improve 

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U.S. Solar Photovoltaic System Cost Benchmark: Q1 2017

Introduction Solar photovoltaic (PV) deployment has grown rapidly in the United States over the past several years. As Figure 1 shows, in 2016 new U.S. PV installations included 2.3 gigawatts (GW) in the residential sector, 1.1 GW in the commercial sector, and 10.2 GW in the utility-scale sector— totaling 13.7 GW across all sectors (Bloomberg 2017). At the same time, PV system costs have continued to decline. Previous modeling (Fu et al. 2016) by the National Renewable Energy Laboratory (NREL) shows system cost reductions of about 60%–80% across sectors between the fourth quarter of 2009 (Q4 2009) and Q1 2016.

This report continues tracking cost reductions by benchmarking costs of U.S. PV for residential, commercial, and utility-scale systems built in Q1 2017. It was produced in conjunction with several related research activities at NREL and Lawrence Berkeley National Laboratory, which are documented in Barbose and Darghouth (2016), Bolinger and Seel (2016), Chung et al. (2015), Feldman et al. (2015), and Fu et al. (2016). Our methodology includes bottom-up accounting for all system and project-development costs incurred when installing residential, commercial, and utility-scale systems, and it models the Q1 2017 costs for such systems excluding any previous supply agreements or contracts. In general, we attempt to model the typical installation techniques and business operations from an installedcost perspective, and our benchmarks are national averages of installed capacities, weighted by state. The residential benchmark is further averaged across installer and integrator business models, weighted by market share. All benchmarks assume non-union construction labor, although union labor cases are estimated for utility-scale systems.

Our modeled costs can be interpreted as the sales price an engineering, procurement, and construction (EPC) contractor/developer might charge for a system before any developer fee or price gross-up. We use this approach owing to the wide variation in developer profits in all three sectors, where project pricing is highly dependent on region and project specifics such as local retail electricity rate structures, local rebate and incentive structures, competitive environment, and overall project or deal structures. The remainder of this report is organized as follows. Section 2 describes our model inputs and sources. Sections 3, 4, and 5 show specific model inputs and outputs for the residential, commercial, and utility-scale PV sectors, including historical trends in system costs and the levelized costs of energy (LCOE). Section 6 includes three additional applications of our cost modeling: system cost reduction from economies of scale, module efficiency impacts, and regional LCOEs. Finally, Section 7 puts the results in context with each other and offers conclusions

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Hello guys,Who Can Handle me in Bed Please Chat me up on WhatsApp now

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