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Archive for March, 2011

Canadian Life Insurance Policies And Recreational Drugs

According to 2009 data from the Canadian Alcohol and Drug Use Monitoring Survey, cocaine and its derivative forms were the most prevalent drugs used by those 15 years or older, right after cannabis.

Even though only 1.2% of Canadians actually partake in cocaine use, in contrast to the 10.6% that do cannabis derivates, roughly 11% of us had experience with one of six illegal drugs in 2009. Among these drugs are marijuana, cocaine and its derivatives, amphetamines, ecstasy, hallucinogens (excl. salvia), and heroin (a semi-synthetic opioid drug). The rate of drug use among women (7.6%) is about half that among men (14.7%) and is then much higher among youth (27.3%), which is unfortunate.

Since 2004, Canadians have been abusing forbidden drugs less and less. This leaves plenty of former users and addicts who will want to protect their families with life insurance in the future.

Quite understandably, insurance companies do not particularly fancy cocaine use or the use of other drugs. Current drug addiction will lead to a certain turn down. This is because illegal drug experience is an unfavourable LINK1:pre-existing medical condition. It should be noted, however, that current drug users may be eligible for simplified issue insurance plans. These policies have no medical tests as a pre-condition and often do not ask drug related medical questions.

We investigated four leading insurers and reviewed how their internal strategies hint on the treatment of cocaine, heroin and ecstasy. This is what we found out:Current drug addiction will lead to a certain turn down.Use ended over four years ago will in all probability lead to a policy rating if there are no other underlying health issues. A policy rating means the insured qualifies, but pays a larger premium premium on his or her coveragebecause the insurer agrees to heightened risk. Plan ratings are usually in a multiple and can be anything from 1.5x to 5x thenormal coverage rate.If the client quit taking drugs more than four years ago, the client may be eligible for standard premiums, i.e. avoiding rating. This, however, only works if he or she is in good health otherwise and has no lifestyle issues as a consequence of the past addiction.We recommend talking to an independent insurance advisor who has long-term experience working with Canadian insurers on underwriting current or former drug users.
The author is an insurance specialist and an expert on hard-to-insure clients. He works with over a dozen Canadian insurers, such as Manulife financial life insurance and Sunlife life insurance.

May Recreational Drug Users Get A Standard Life Insurance Product?

According to the most recent data (2009) from the Canadian Alcohol and Drug Use Monitoring Survey, crack and cocaine were the most prevalent drugs used by those 15 years or older, right after marijuana.

Whereas cannabis was used by 10.6% of Canadians during the year of the survey, cocaine and crack was used by about 1.2% people. Roughly 11% of us consumed one of six prohibited drugs in the same period. Among these drugs are marijuana, cocaine or crack, amphetamines, ecstasy (MDMA), hallucinogens (excl. salvia), and heroin (a semi-synthetic opioid drug). The rate of drug use among men (14.7%) is almost double that among women (7.6%) and is then much higher among youth (27.3%), which is unfortunate.

The use of forbidden drugs has been retreating in Canada since 2004, creating many former users and addicts who will look for life insurance at some point.

To be honest, insurance companies do not treat cocaine use or other harsh drug consumption very kindly. Present cocaine addiction, or other forms of recreational drugs will result in a sure turn down. This is because unlawful drug use is an unfavourable LINK1:pre-existing medical condition. Current drug users may still qualify for simplified issue life insurance policies. These policies have no medical tests as a pre-condition and usually do not have a drug related question.

We surveyed four leading insurers and evaluated how their internal guidelines look at cocaine, heroin and ecstasy. This is what we found out:Present cocaine, heroin or ecstasy addiction will result in a sure turn down.Cocaine, heroin and/or ecstasy addiction ended more than 4 years ago will almost certainly result in a policy rating – that is to say if the applicant is otherwise healthy. A policy rating is an extra expense on top of the original plan fee. It means that a qualified applicant pays an additional premium premiumdue to the heightened risk to the insurer. Plan ratings are customarily in a multiple and can be anything from 1.5x to 5x the insurer’susual coverage tariff.If the insured gave up on taking drugs over 4 years ago, the insured may be eligible for standard premiums (i.e. without policy rating). Of course, this only works if he or she is in good health and has no lifestyle problems as a consequence of the past addiction.An insurance advisor with experience in this particular area can help you acquire quality life insurance for a reasonable price.
The author is an insurance specialist and an expert on hard-to-insure clients. He works with over a dozen Canadian insurers, such as Manulife life insurance and Sun life life insurance.

Diabetics Obtain Low Glycemic Index Sweetener From Sophisticated Syrups As Xylitol Aromatherapy Sweetener

Increasing Numbers of Americans Need Diabetes Prevention – Sugar Substitute

The number of adults being diagnosed with diabetes is rapidly increasing and, outside of hereditary factors, the causes are common among most cases. American adults do not get nearly enough exercise and their meals are massive with fat-filled and sweet foods. With no cure available, all the research proves that diabetes prevention is crucial.

The first step in cutting the chances of developing diabetes is relatively easy. Lowering body fat and moving more is a smart choice for everyone, but in particular diabetics. Studies show that thirty minutes of light to medium intensity exercise leads to more stable blood glucose levels and reduced blood pressure, a decreased percentage of body fat, and improved circulation – all crucial aspects of diabetes prevention or management.

The second step can be more difficult for some. Cutting portions and modifying a diet is another vital step in diabetes prevention. Diabetics require diets that either have no affect on blood glucose or in fact, maintain levels.

There are quite a few blood glucose friendly foods to add to any diabetic’s diet. Beans and dairy products are loaded with fiber, vitamin D, and calcium, all of which help burn fat and stabilize blood glucose. Salmon and tuna provide omega-3 fatty acids that aid in insulin resistance and improved circulation. Foods containing barley and oats are very high in fiber which makes you feel fuller and the hulled style help lower cholesterol. For a naturally sweet snack, dates and berries are rich in cancer-fighting antioxidants and high in fiber, and actually promote good cholesterol while lowering blood pressure.

A good way to control blood glucose is to include foods with Xylitol. Xylitol can be found naturally in many fruits and vegetables. It is widely added to chewing gums because one of the effects of Xylitol is to increase alkalinity in the mouth, which makes it a true plaque fighter.

Xylitol has almost no caloric value and does not alter glucose|There are little or no calories in Xylitol and it has no glycemic response|Xylitol is glucose-neutral and virtually no calories}, so diabetics can indulge their sweet tooths with no danger of blood glucose issues. Xylitol is digested slowly by the body and actually stabilizes blood sugar levels, helping to improve the diabetic experience.

In the past, many have questioned the safety of artificial or non-nutritive sweeteners, even cane- or bett-derived products. So people ask: Is Xylitol safe? Entirely. There have been some studies that indicate a few of the artificial sweeteners can cause damage in rats when introduced at extremely high doses, and there are blogs deriding anything imitation with silly anecdotes of sweeteners causing cancer and other diseases.

In truth, Xylitol has been widely studied and approved by the federal government, in fact, Xytlitol is regarded as very healthy by physicians and scientists. In very high doses, study subjects have detailed some stomach soreness or other gastrointestinal issues, but again, those issues pale in comparison to the diabetes prevention benefits of this no-calorie sweetener. Find Naturally Sweet Products at http://www.sophisticatedsyrups.com/natural-sweetener

The Most Important Heart Attack Symptoms To Take Care Of

These days, it is a very hard task to find such person who is not having any kind of disease. There are several common diseases which can be found in any people and everybody desires to cure these types of diseases. The best way to treat any kind of disease is to discover the signs and symptoms of that particular disease. If you’re searching for some essential symptoms of heart attack, then your search ends right here as in this content I am going to present an overview on the specific heart attack symptoms. These heart attack symptoms vary as per the gender, thus you will find different heart attack symptoms in women. Make sure you possess a look on the beneath mentioned heart attack symptoms.

1. Extreme tiredness-
It is the most basic symptom of heart attack. If you are intending undertake a serious problem in your heart then at the starting of it you’ll surely feel the intense fatigue right after doing a quite simple work or just after climbing up the stairs of your house. It is recommended that you simply don’t have to ignore this factor and to take care of it so that it can not be result in the heart attack.

2. Shortness of breath-
In the beginning, you will face the shortening from the breath.  You’ll start getting the deep breath if you are intending to face a heart attack.  In case you are feeling the breathlessness then it is recommended that you need to visit your doctor.

3. Chest discomfort-
You will start a discomfort in your chest prior to the cardiac event.  It is recommended that you need to take care of it. You need to look after it to avoid the heart attack.

4. Nausea-
You will certainly start sensation nausea which can’t be handled by the antacids. It really is just about the most fundamental cardiac arrest symptoms. You will also start an excess burping before the heart attack. One should consider treatment of your nausea to keep the heart attack away. 

Several people usually ignore these signs and symptoms and it is recommended that they should take special care of themselves soon after finding the aforementioned signs and symptoms with them. These include the most straightforward heart attack symptoms. So if you’re struggling with some of the previously discussed symptoms then it’s advised that you need to visit your nearby doctor asap.

Are Cocaine Users Entitled To Traditional Life Insurance?

According to the most recent data (2009) from the Canadian Alcohol and Drug Use Monitoring Survey, cocaine and its derivative forms were the most taken drugs by those over fifteen years, right after marijuana.

Though few actually get involved in cocaine use, as opposed to the 10.6% that use cannabis derivates, almost 11% of us tried an illegal drug during 2009. These six drugs include heroin (diacetylmorphine), ecstasy (MDMA), cocaine and/or crack, amphetamines, hallucinogens (excluding salvia), and cannabis and/or marijuana. 17.7% of men and 7.6% of women had tried drugs, with youth reaching 27.3%.

Since 2004, Canadians have been abusing forbidden drugs less and less. This leaves a lot of former users and addicts who will need life insurance one day.

To be honest, insurers in Canada do not treat cocaine use or other harsh recreational drug experiences very sympathetically. Ongoing addiction to heroin, cocaine or ecstasy will earn you a sure turn down. This is due to the fact that illegal drug experience is an unfavourable LINK1:pre-existing medical condition. It is important to know, however, that current drug users may be eligible for simplified issue insurance plans. These policies have no medical tests as a pre-condition and many of them do not have a drug related question.

This is how major insurers consider cocaine, heroin and ecstasy:Present cocaine, heroin or ecstasy use will earn you a sure turn down.Use ended over four years ago will possibly bring about a policy rating – that is to say if the applicant is otherwise in good shape. A policy rating means that a qualified applicant pays a larger premium premium on his or her coveragebecause the insurer accepts bigger risk. Ratings are customarily in multiples and can be anything from 1.5x to 5x thenormal plan charge.If the applicant quit taking drugs more than four years ago, the applicant may qualify for standard premiums, i.e. avoiding rating. Of course, this only works if he or she is in good health otherwise and has no lifestyle problems as an effect of the past addiction.We recommend speaking with an insurance advisor who has extensive experience working with Canadian insurers on underwriting current or former drug users.
The author is an insurance specialist and an expert on hard-to-insure clients. He works with over a dozen Canadian insurers, such as Manulife life insurance and Sun life life insurance.

Diabetics Buy Sugar Substitute Through Sophisticated Syrups As Xylitol Aromatherapy Sweetener

Simple Ways of Diabetes Prevention – Low Calorie Sweetener

The number of new diabetes cases in adults is rapidly increasing and, other than genetic factors, the causes are all generally the same. American adults are very sedentary and their meals are massive with fat-filled and sweet foods. As there is no cure, all the research proves that diabetes prevention is crucial.

The first step in significantly reducing the chances of developing diabetes is a simple process. Reducing body fat and becoming less sedentary is a smart choice for everyone, but in particular diabetics. Just thirty minutes of moderate exercise a day will lead to more stable blood glucose levels and reduced blood pressure, lower body fat percentage, and better circulation – all vital features of diabetes prevention or management.

The second step is usually the most difficult. Reducing portion sizes and changing dietary habits is another crucial step in diabetes prevention. Diabetics require diets that either have little or no glycemic effect or actually cause levels to remain steady.

There are several blood glucose friendly foods to add to any diabetic’s diet. Beans and dairy products are loaded with fiber, vitamin D, and calcium, all of which assist in fat burning and metabolizing blood sugar. Salmon and tuna provide omega-3 fatty acids that improve heart health and circulation and improve insulin resistance. Foods with barley and oats are fiber rich which makes you feel fuller and the hulled types help reduce cholesterol. For a naturally sweet snack, dates and berries are rich in cancer-fighting antioxidants and high in fiber, and actually increase good cholesterol while reducing blood pressure.

A smart way to eliminate glycemic response is to include foods with Xylitol. You can get Xylitol in many fruits and vegetables. It is commonly used in chewing gums as Xylitol raises alkalinity, thereby breaking down plaque.

Xylitol has almost no caloric value and does not alter glucose|There are little or no calories in Xylitol and it has no glycemic response|Xylitol is glucose-neutral and virtually no calories}, so diabetics can treat themselves with no danger of elevating their blood sugar levels. Xylitol is metabolized at a slow rate by the body and actually makes glucose levels stable, avoiding the crashes of the diabetic experience.

In the past, many have doubted the safety of man-made or non-nutritive sweeteners, even those made directly from pure sugar. So the question is: Is Xylitol safe? The answer is yes. In incredibly high doses, research rats have developed cancer from a few artificial sweeteners, and the internet abounds with anecdotal stories of sweeteners causing cancer and other diseases.

The facts are that Xylitol has been approved by the FDA and has never been shown to cause any disease, it is widely accepted as a beneficial addition to a diet. In extremely high doses, study participants have detailed some stomach irritation or other gastrointestinal problems, but again, they don’t outweigh the diabetes prevention benefits of Xylitol. Find Naturally Sweet Products at http://www.sophisticatedsyrups.com/natural-sweetener

How To Get A Cheaper Health Insurance

A study shows that not up to two out of every ten Americans have health insurance coverage of any type. This is based on a report by the American Census Bureau. It’s necessary to note that group health plans are the reason why the majority of these people who have health insurance can pay for it.

This, unfortunately, may soon be a thing of the past as many business owners might soon remove group health insurance from their employment allowance as they are becoming quite tasking on their businesses. The rising cost of health care is responsible for this situation.

Consequently, if most of those who currently enjoy group health plans are to continue having health insurance, then they would have to get individual health insurance plans. This means that, it will be an advantage for such people if they can be shown ways of bringing down such health insurance cost remarkably.. I will reveal some ways that will help you reduce your health insurance costs or find low cost health insurance quotes

Smokers pay rates that are twice or more that of individuals who do not smoke. It’s not debatable that smoking is the highest known cause of cancer and other deadly diseases.

This multiplies their risk to an insurer and so raises their rates by a huge margin. Once you stop smoking for about twelve months tell your present insurer or reapply to another insurer and you’ll experience a remarkable slash in your premium.

Reduce you weight and your premium will drop. There is something known as Body Mass Index (BMI). It is used to determine a prospect’s premium.

The higher an individual’s BMI rating, the more expensive their premium will be. The more overweight you are for your height and sex the higher your BMI rating will be. Do your best to shed excess weight as losing as little as a few pounds could give you another BMI rating and result in cheaper rates.

Even though a good number of people are aware that smoking adds to their rates, they may not know that the same is also true if they use other tobacco products. Those who snuff or chew tobacco will also pay higher rates than individuals who don’t

So, you’ll help yourself get lower rates if you stay away from tobacco use in any form.

If you elect to pay your premiums monthly, you’ll pay more expensive rates. Even though this alternative is always less stressful, it costs more for some reasons.

There are transaction fees that are attached to processing a check. Over the course of a year, your monthly checks would be processed separately because they are all different transactions. You’ll then have to pay the sum of twelve transaction fees.

There are also administrative costs to your insurance provider that result just from taking monthly payments. For instance, it costs some money to send payment notices each and every month.

The additional administrative cost to an insurance provider is eventually paid by you (that’s in addition to their own markup for providing such a “stressless” alternative).

Following is a highly great sites for all who are keen on finding the right coverage at low rates: health insurance quotes.

May Cocaine Users Qualify For A Traditional Life Insurance Policy?

2009 survey data show that cocaine and crack are among the most used drugs by adults and teenagers, second only to marijuana.

Whereas cannabis was used by 10.6% of us during the examined interval, cocaine and crack was used by about 1.2% people. An average of 11% of us tried out one of six prohibited drugs in the same time span. These six drugs include cannabis and/or marijuana, cocaine or crack, amphetamines, ecstasy (MDMA), hallucinogens (excluding salvia), and heroin. The rate of drug use among women (7.6%) is about half that among men (14.7%) and is in turn three times higher among adolescents (27.3%), which is unfortunate.

Forbidden drug use has been moving back in Canada since 2004, creating a lot of former users and addicts who will be looking for life insurance at some point.

You would probably guess, life insurers in Canada do not take up on cocaine use or other harsh drug consumption with much support. Ongoing recreational drug use will earn you a sure decline. This is because illicit drug experience is a LINK1:pre-existing medical condition. Current drug users may still have a chance with simplified issue insurance policies. These policies have no medical testsand often do not ask drug related medical questions.

This is how major insurers perceive cocaine, heroin and ecstasy:Ongoing drug use will earn you a sure decline.Drug use from over 4 years ago will almost certainly bring about a policy rating – that is to say if the applicant is otherwise in good shape. A policy rating means that a qualified applicant pays a larger premium premiumdue to the increased risk to the life insurance company. Ratings are typically in multiples and can be anywhere from 1.5x to 5x thestandard coverage rate.If the client has not been consuming drugs for 4 years or more, the client may qualify for standard premiums, i.e. avoiding rating. Of course, this only works if he or she is in good health and has no lifestyle problems as a product of the past addiction.We recommend approaching an insurance broker who has long-term experience working with Canadian insurers on insuring drug users.
The author is an insurance specialist and an expert on hard-to-insure clients. He works with over a dozen Canadian insurers, such as Manulife life insurance and Sun life insurance.

Meal Planning For An Active Diabetic

active diabetic

Physical activity is recommended for any person to stay healthy.  But for a diabetic it
now only increases energy levels and can help maintain an ideal bodyweight it also helps
to control blood sugars.  But an active diabetic needs to take extra care and precautions to
ensure they are getting enough fuel for their body so their blood sugar do not drop
dangerously low – known as hypoglycemia.

The amount you exercise is going to determine how much you are going to eat in your
diabetic meal plan.  The more physically active you are the higher your nutritional
requirements and the higher your risk is for creating hypoglycemia.  The best exercise
when you are only starting out is to monitor your bloodstream sugars pre and post working
away and during if you feel it is necessary.  It is important to listen to your body and stop if
you’re feeling light-headed or are experiencing any of the additional signs associated with
low blood sugar levels.

Before you exercise, have a snack that will sustain you for a long period of your time
without spiking your own blood sugar levels.  A granola bar eaten with a number of nuts is a
good choice as it combines the carbohydrate that is high in fiber and a high-quality protein. 
The food that you simply eat prior to working out should have a high-fiber content, this will sluggish
down the breaking down process of the carbs in your system and you will be
sustained for a longer period of time.

Drink lots of fluids (preferably water) when you’re working out to remain hydrated.  Within
case of an emergency, have glucose pills with you all the time or some hard candy that
will begin to raise your blood sugar.  At other times of the day, eat well balanced meals to
maintain your power. You will be able to obtain more facts from http://diabeticdietzone.com/.

First Check Products – First Check – Alcohol Breath Test Kit – Sold As 1 Each – Quick, easy and affordable way to test for the presence of alcohol. – Over 99% accurate with results in just two minutes. – Sensitive enough to detect one drink. – Kit includes two disposable tests. –

First Check Products - First Check - Alcohol Breath Test Kit - Sold As 1 Each - Quick, easy and affordable way to test for the presence of alcohol. - Over 99% accurate with results in just two minutes. - Sensitive enough to detect one drink. - Kit includes two disposable tests. -
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First Check – Alcohol Breath Test Kit – Sold As 1 Each

Quick, easy and affordable way to test for the presence of alcohol. Over 99% accurate with results in just two minutes. Sensitive enough to detect one drink. Kit includes two disposable tests. Substances Detected: Alcohol; Number of Tests: 2.000; How Administered: Breath; Minimum Time to Results: 2.0 min.
  • Quick, easy and affordable way to test for the presence of alcohol.
  • Over 99% accurate with results in just two minutes.
  • Sensitive enough to detect one drink.
  • Kit includes two disposable tests.


  • Includes one Alcohol testing kit.