The Easiest Way To Shop For Freedom Life Insurance

Choosing the right life insurance plan can be a daunting task, but it doesn’t have to be. Generally speaking, life insurance is a safety measure to protect income and pay for future obligations, such as college funds, tuition, day-to-day bills, car notes, tax bills, burial expenses, etc. What this article will do for you is break down shopping for life insurance into two manageable chunks: term and whole life insurance. By simply addressing your current financial needs and situation, you will be able to pick the option that is best for you.

Term Insurance

If you’re looking for a large death benefit with an affordable premium, then term insurance might just be what the doctor ordered. Term insurance, unlike whole life insurance, is for a specific period of time and provides a guaranteed death benefit and a predictable premium. These types of policies usually do not accumulate cash value; however, some do offer a return of premium–at the end of the policy term–for an additional monthly fee.

A perfect application for term insurance is to use it to pay off obligations that leave you financially exposed for a specific length of time, like a debt. For example, you can get a term policy called Mortgage Protection Insurance to pay off your home loan in the event of a premature death. Simply pick the policy term that coincides with the amortization schedule of your loan; i.e., 15 years, 20 years, 30 years, and, upon your demise, a tax-free death benefit will be paid to your beneficiaries.

Insurable needs often increase as one’s financial situation gets more complex over time. One way to make a purposeful insurance purchase is to get a term policy that has “guaranteed convertibility.” What this allows you to do is convert your term insurance to a permanent policy before the policy term ends. If in the interim your health situation takes a turn for the worst, you will not be required to take a medical examination to convert your policy.

Permanent Insurance

Whole life insurance builds up cash value that can be used to supplement your retirement income, or withdrawn/borrowed for emergencies (also known as a “living benefit”). Participating policies (a type of whole life insurance) issued by a mutual insurance company, pay a dividend to their policyholders that can be used to pay either part or all of their monthly premiums.

If your goal is to have a policy that has a guaranteed death benefit, fixed premiums, a savings element, and will stay in force until age 100, then going with a permanent policy is probably your best bet. Keep in mind, whole life policies are relatively more expensive than opting for a term insurance plan. However, over the long haul, whole life policies are more cost-effective than annually renewing a term policy beyond its initial plan period.

Freedom Life Insurance

One company that offers a whole suite of products is Freedom Life Insurance. This 60-year old company offers a full portfolio of products that can be tailored to your health and financial situation. What’s more, is that Freedom Life Insurance is a subsidiary of USHealth Group, which is a rock-solid, A+ rated company (as per Better Business Bureau standards). Learn more:

Life Line Screening: Protect Your Cardiovascular Health

In the recent times, people have been advocating for early screening due to different types of cancer as part of preventive healthcare. These tests are available to breast, colon, prostate, cervical and other parts of the body. Medical experts say that when these cancers detected early, it is very easy to treat them. It is shocking, however, to determine that cardiovascular diseases are the leading killers of Americans in the recent times. Many people do not understand why there are no screenings to prevent cardiovascular conditions.

Cardiovascular Risk Factors

Several scientific studies have said that lifestyle and other patterns cause more than twenty percent of the deaths that occur annually. This means that these deaths could have been avoided if the individuals were living better lives. Many deaths can be avoided by diagnosing cardiovascular problems early.

The benefits of Cardiovascular Health Screenings

Experts say that it is possible to lower the risk of suffering from cardiovascular conditions. If an individual is living a healthy life, their chances of dying from these diseases are rare. When you know the disadvantages of living unhealthy life, then it is possible to live a longer life. People who are overweight, those who smoke or those who do not exercise should change their lifestyles.

What is Life Line Screening?

Life Line Screening private company that is working hard to change the lives of people in the world. The healthcare company has a team of experienced professionals who will determine the state of your heart using the latest equipment. The experts at the facility will use the best equipment available in the market to give an accurate report about health. The tests are affordable, and they are painless to the patient. The preventive tests offered by the institution will easily determine if there are any issues in your health.

The scientifically advanced testing procedures from the facility have saved many lives. The facility has incorporated the latest technology in its operations to make its services better and more efficient. The professionals at the center are also very experienced, and they will ensure that you get the best care.

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Rick Shinto; the CEO of InnovaCare, is a holder of a medical degree and also a master’s degree from Redlands University. Before getting involved in InnovaCare Health, he worked at different work places in various positions. First he was the head of Medical Officers in Medical Pathways Company, where he took charge of the Operating department and also supervised all the activities within the hospital. He also served at Meds Partners and later preceded to Orange County, at this point he decided to start his own clinic in Southern California.

Ms. Penelope Kokkinides has a lot of experience in the medical field. She is the COO/CAO at InnovaCare. Before joining the InnovaCare Health, she worked at Touchstone Health care as an Operating Officer. Also she was an employee at Aveta hospital having the role of Chief Officer. Moreover, she has worked with government hospitals. At the Center light hospital, she had a responsibility of the upholding the hospital’s ideologies and ensuring that the management is up to task. She has also been heading the department of Disease Management and the care management in America. Above all she has taken part in the implementation and development of healthcare at the UnitedHealth Group of companies.

Shinto has been awarded by different organizations. One of the awards is the given to him by Ernst & Young for Entrepreneur of the Year in 2012 which was given to him for his innovative tactics, commitment in his business and financial performance. He further received an award of Access to Caring where this award is given to individuals who have made efforts of ensuring that people are getting attention and medication required in every part of the country with ease. These awards are as a result of team work, patience, persistence and commitment in his work.

InnovaCare is a leading medical organization in the world. Its mission is to change the way healthcare services are done by improving the management and taking services given to patients to a higher level. Since it is among the top healthcare providers they are always keen on issues related to quality of services, use of modernized technologies for research purposes and also to keep records of the patients. They assure that the patients get value for their money and that the prices are affordable to people in all walks of life. The healthcare follows up on the patients to ensure that they take medicine as prescribed and follow up keenly on their progress.

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The Copa Star Hospital; an excellent place to recover

Not many people associate hospitals with happiness or comfort. To most, it is the one place that you should only visit if you have to. However, there is an organization that is seeking to change the way that everyone thinks about the entire concept of staying in hospital by establishing the five star hospital experiences. The D’Or network has been establishing a network of hospitals around Brazil, with the latest one being located in Copa Cabana. One of the founding members of the society that is creating the hospitals states that it is a concept of its own kind.

The first thing that people notice to be different about these hospitals is the level of comfort that they experience when getting treatment there. The rooms which act as the wards have been brought to the standards of a five star hotel, meaning that the patients will be very comfortable when recuperating there. Then, the caregivers are selected and trained in a manner that offers them superior quality health care, but in an environment that is much better than the conventional hospital.

The marketing of the hospital is based around the sale of the idea that the hospital is still one of the best providers for quality health care services. The aesthetic and other qualities that have been added to the hospitals are secondary to the main purpose of the hospital, which is the provision of treatment for their patients. The hospital is well equipped to deal with cardiac and neurological units and 59 ICUs. All these are meant to deliver the best to all the patients.

The hospital also boasts suites that are spacious and the best recreational areas for the patients. These include meal delivery services, great pools, saunas and hot baths, spas and wellness centers and sunbathing lounges where one can relax and forget about the sad feeling that comes from being confined to a hospital.

The architectural build of the hospital done by Rafarquitetura is another thing worth mentioning. The hospital was designed by some of the best in Brazil and has been described as the perfect meeting of style and versatility. Everything from the state of the art lobby to the wards and all other amenities make a statement of elegance. The hospital boasts of patient centered care by first of all incorporating technology into their service delivery. They have top of the range MRI machines and professional employees.

The construction is five floors tall, covers an area of 10,000 square feet and was constructed at a cost of $115 million. They also have 105 wards, a diagnostic unit and 150 bed capacities. The hospital is one of a kind in Brazil and has been hailed as novelty in the provision of healthcare services. Visit and Like their page on Facebook.

Nobilis, Puts Cancer Patients and Families At Ease

Healthcare has become much better in recent years. The reason behind this is that it is no longer a one doctor practice. The most successful practices now work as a team. Years ago when my grandmother was diagnosed with lung cancer it was much more of a gamble, than it is today. There are a few reasons for that. First off it is twenty two years later and whether people want to believe it or not cancer is starting to be more treatable. Back in the 1990’s when I saw my grandma slowly losing her battle to lung cancer the pain for her was excruciating. Not something any dignified human should ever have to battle. The chemotherapy also took a huge toll on her between nausea and being sick to her stomach. A woman that loved life and food turned into a shell of a person. Today with the help of healthcare practices like Nobilis cancer treatment is much better. As I mentioned earlier my grandmother had lung cancer in the 1990’s and because of this we drove up to the Mayo Clinic to try to get her help. What they did there was simply amazing. We went in one day and they ran all the necessary tests. That evening when all the test results were in everyone went into a board type room with no fewer than six specialists. They helped her and the rest of the family understand how bad it was and the direction to which she needed to go. Normally it is one doctor without any questions asked. Noblis Health according to runs their healthcare program in a known manner. A persons health and fate is no longer up to one doctor who could have missed something. Instead Nobilis doctors work in teams like they should. Everyone discussing the prognosis and the pros and cons of every possible direction. I know this, because, my mother now has breast cancer. It was absolutely wonderful that we didn’t have go away from home to get the best care. Nobilis is right in our backyard instead of being hundreds of miles away. Plus, Nobilis without a doubt knows exactly what needs to be done. They offer world class care. It really put my mom, dad and myself at ease. Saying “at ease” and “cancer” in the same paragraph is something I never considered. They are diligent about calling to set up appointments, reminders and even different cancer programs she can attend. It is a real blessing that on one of the rockiest roads, Nobilis is a health care provider that we can count on. When life throws a huge curve ball such as cancer there is nothing more important than to help bring comfort to those and their families facing a scare. Nobilis is one of the reasons that the word, “cancer” does not seem as horrifying of a task. My father and I can not thank Nobilis enough as their diligence has resulted in my mothers breast cancer being caught early for the best prognosis.