Thursday, December 1, 2016

What is universal life insurance permanent?

Indexed universal life insurance (IUL)

Mutual of Omaha Insurance Company

    A Whole Life Guaranteed insurance policy offers:
  • Up to $25,000 in coverage
  • Guaranteed coverage for those aged 45-85
  • No medical exam or health questions
  • No decrease in benefits or increase in premiums
  • Builds cash value to borrow against
A Whole Life Guaranteed policy also includes a graded death benefit. If death occurs from natural causes (not accidental) during the policy’s first two years, the beneficiary will receive all premiums you paid plus 20 percent. Once the two year period ends, the beneficiary will receive the policy’s full benefit.
A Whole Life Guaranteed policy also includes a graded death benefit. If death occurs from natural causes (not accidental) during the policy’s first two years, the beneficiary will receive all premiums you paid plus 20 percent. Once the two year period ends, the beneficiary will receive the policy’s full benefit.



Transamerica Premier Life


Pyramid at night

What is universal life insurance?

Universal life insurance is a type of permanent insurance, which means it provides coverage for life.  When the insured dies, the policy leaves a guaranteed amount of money to the named beneficiaries.  That amount is called a death benefit.
In addition to the death benefit, universal life insurance also contains a cash value.  The cash value grows tax-deferred until funds are withdrawn.
Unlike term and whole life insurance, universal life insurance provides an additional level of flexibility.  It allows policy owners to modify the amount and frequency of premium payments as long as there is sufficient cash value in the policy to cover monthly deductions.

Universal Life Policies from Transamerica

Transamerica offers the following types of universal life insurance products:
  • Index universal life insurance: Index universal life insurance offers flexible insurance premiums combined with an index account. The index account provides the potential for earnings based on an index.
  • Group universal life insurance: Universal life insurance provided through employers for a number of individuals.
  • Variable universal life insurance: Inclusive variable universal life insurance that allows for the cash-value portion of your policy to be invested.

Life and Health Agents Needed

Insurance Brokers International. Inc.

Quotes

sherifmone@aol.com

Long Beach, California

Tuesday, October 29, 2013

7 Weird Reasons You're Tired All the Time

You stayed up late binge-watching Homeland. Then you woke up extra early to beat the boss to the office. Some days, there's no mystery as to why you need an extra shot of espresso (and if you can't sleep no matter what you try, check out these 10 sleep myths and real solutions for better shuteye.)

But sometimes, the root of your fatigue isn't so obvious, and everything from a hidden health issue to your gym habits could be to blame. "It's like asking a pediatrician why a baby is crying; the answer could be any number of things," says Tanvir Hussain, MD, a preventive cardiologist in Los Angeles.

A challenging puzzle, yes, but your fatigue is a mystery you can solve. Here are 7 reasons you could be dragging--and how to regain more energy than you ever remember having.

You're dehydrated
Healthy women who failed to replace a mere 1.5% of their water weight experienced mood swings and low energy levels, according to a 2012 study in The Journal of Nutrition. The study authors suspect neurons in your hypothalamus--the brain region responsible for controlling things like hydration and body temperature--send mood-altering messages to the rest of your brain as an early warning to drink more water.

Your fix:
Drink up, and and ditch that 8-glasses-a-day guideline: A one-size-fits-all water measurement won't work since your hydration needs vary based on things like the weather and your workouts. In general, you should have to pee at least once every three hours and your urine should have a light lemonade-colored tint, says Gina Sirchio, DC, CCN, a chiropractic physician and nutritionist at the LaGrange Institute of Health in Chicago.

You're low on B12
Your body needs vitamin B12 to make red blood cells and keep neurons functioning properly. Deficiency decreases the amount of oxygen your blood can carry through your body, leaving you with that sleeping-with-your-eyes-open feeling. As you age, you produce less of a protein called intrinsic factor, which helps you process the nutrient.

Because only animal foods naturally contain B12, vegetarians and vegans face an elevated risk of running low, as do people who've had stomach or intestinal surgeries (these procedures often alter the tissue where B12 absorption takes place, Dr. Sirchio says). Even low or borderline levels--not necessarily full-blown deficiency--can wear you down.

Your fix:
If your fatigue comes along with forgetfulness, restless legs, or numbness and tingling, consider B12 deficiency as a potential culprit. Ask your doctor or nutritionist for a blood test of your levels. If you're low, you may need supplements. Your doctor will tell you how much to take, but typical doses range from 100 to 500 mcg. Choose a formula labeled "methylcobalomin" instead of "cyanocobalamin," Dr. Sirchio says--it's easier for your body to use. Note that supplements will only boost your energy if you're low to begin with; unlike caffeine, B vitamins won't give you an added oomph if you already have ample stores.

Which vitamins can give you more energy, relieve PMS symptoms, and even help prevent cancer? Find out in Prevention's 100 Best Supplements For Women.

You're overwhelmed with stress
Trying to do it all comes with a huge downside. Normally, your levels of the stress hormone cortisol run highest in the morning and dip down at night, helping you maintain a normal daily rhythm. But chronic stress throws this pattern out of whack in either direction, says Marc Bubbs, ND, CSCS, founder of Naturopathic Sports Medicine in Toronto. If your body remains on constant alert, your cortisol levels may never fall off at night, disrupting your sleep. Or, your adrenal glands may eventually fall behind in cortisol production, leaving you sleepwalking through your morning.

Your fix: You can't always control the sources of stress, but you can change your reaction. Mindfulness practices have been shown to ease stress and fatigue in people with chronic medical conditions like rheumatoid arthritis and multiple sclerosis, and they work for healthy people, too. Can't spare 15 minutes a day to meditate? No problem. Click here to find the best style of meditation for you (it's simpler than you think!)

You have hidden heart disease
In a study in the journal Heart & Lung, half of women who had heart attacks said they had trouble sleeping and felt unusually fatigued in the weeks beforehand. Weariness and shortness of breath when you exercise, climb stairs, or otherwise exert yourself should also raise a red flag, Dr. Hussain says. Blocked arteries or a weak heart muscle reduce blood flow, preventing your muscles and tissues from getting the oxygen they need to function properly.

Your fix: Get to the doctor, especially if you've suddenly lost your get-up-and-go or if you have other strange symptoms, such as chest pain, anxiety, or trouble concentrating. He or she may recommend a stress test or an echocardiogram to screen for heart disease, Dr. Hussain says.

You've probably heard to eat fish for your heart, but not all fish is healthy. Click here for 12 Fish To Never, Ever Eat.
Your iron levels are too low--or too high
Most women know anemia leads to fatigue. But don't assume popping iron supplements will pep you up. Yes, low iron levels lead to poorly formed red blood cells that deprive your body of refreshing oxygen. However, getting too much iron can wear you down as well. Your body uses vitamins, minerals, and energy to rid your system of the excess, leaving you with little left to run on, says Dr. Sirchio.

Your fix: Consider your risk factors: Iron deficiency often strikes vegetarians and vegans, people with digestive diseases or thyroid problems, women on hormonal birth control, and those with a very heavy menstrual flow. On the flip side, high levels can run in families or result from taking supplements, and often cause other signs that include feeling cold, thinning hair and nails, or dizziness when you stand up. Striking the right balance is important, so don't take iron pills on your own, Dr. Sirchio warns--talk with your doctor about yearly blood tests to check your levels. If they're abnormal, have them checked monthly until they level off, then every three to six months until you steadily see normal readings.

You're not working out

Especially when paired with chronic stress, too much time spent sedentary drains your fuel tank even though you're merely idling, Dr. Bubbs says. Picture it: A stressful day at work cranks up your cortisol and blood glucose levels, triggering your knee jerk reaction to fight or flee. But when you spend your afternoon and evening barely moving between your computer screen and your couch, you never release that energy and tension. This can keep your engine revved and disrupt your sleep at night--or burn out your body's cortisol factory so much that you're dragging the next morning.

Your fix: Start moving if you're sedentary. Women who get the government-recommended 150 minutes of moderate exercise or 75 minutes of vigorous activity per week report less fatigue and more energy and vigor than those who don't, according to a recent study in Medicine & Science in Sports & Exercise. If you're using exercise to help you sleep better, give your new regimen time to take hold-another study in the Journal of Clinical Sleep Medicine found you'll need to move consistently for a few weeks or even months to reap the restful benefits. Download our 14 Walking Workouts That Burn Fat And Boost Energy for a plan to get started.

You're exercising too much

On the flip side, you can have too much of a good thing. If you're sweating every day or doing heavy-duty training for an event like a triathlon, fatigue and trouble sleeping can serve as a sign that you're pushing your body beyond its limits. Workouts--and especially endurance sports like long-distance running and cycling--also cause a spike in cortisol. If you're not striking the right balance between activity and rest, you can overload your system with physical stress just as you can with emotional or mental pressure, Dr. Bubbs points out.

Your fix: If you're exercising regularly but suddenly tire more easily, you may be overreaching. Try taking a few days of complete rest. Then ease back into your routine, doing about 25% of your usual activity for a week and adding another 25% each week until you're back up to speed, advises Tom Holland, MS, CSCS, 21-time Ironman Triathlete and author of The Marathon Method.

You have a urinary tract infection

If you've had a UTI before, you know the burning urgency that comes when you pee. But about half of women who show up with UTIs also report fatigue and a general sense of illness, and the rate increases among those 40 or older, says Ashley Carroll, MD, an assistant professor of urogynecology at Virginia Commonwealth University. "Basically, it's your body's way of forcing you to rest in order to focus energy on fighting the infection," Dr. Carroll says.

Your fix: Head to the doctor if you suspect a UTI. Prescription antibiotics can banish the bacteria. All your symptoms, including fatigue, should subside within seven to 10 days of completing treatment. As you're healing, get plenty of rest, stay hydrated, and eat a healthy diet, Dr. Carroll advises. If you're prone to frequent UTIs (more than a couple per year) talk with your doctor--long-term prophylactic antibiotics can ward off future infections.

Friday, October 25, 2013

2014 Medicare Advantage plans 2014 Annual Enrollment Period

Medicare Advantage plans for 2014

Finding the right Medicare Advantage plan in 2014 is important for getting quality coverage at an affordable rate from a trusted provider. While it can seem overwhelming, the good news is, you have choices, and that’s great for making sure you get the most value for your health care dollars. When it comes to securing vision, dental or prescription drug coverage with a Medicare Advantage plan you can depend on, make an informed choice easily with the right resources and Secure Health Options by your side.

Trusted Providers in 2014 
                                  
In 2014, the most trusted providers like Humana, United Health and Blue Cross Blue Shield will continue to offer quality Medicare Advantage plans to seniors aged 65 or older. With full benefits and comprehensive coverage, seniors will be able to secure coverage for vision, dental, even prescription drugs easily and at affordable rates. At Secure Health Options, we work with only the top providers, so you can have confidence that any plan you choose is backed by a solid reputation and dependable coverage.

Consider Plan Differences Carefully

As in years past, Medicare Advantage plans in 2014 will vary considerably in terms of cost, coverage, even how benefits are delivered. Remember, price is only one variable to consider. It’s also important to compare plans for differences in network limitations and coverage rules. Companies are not required to charge the same for the same plans- and they don’t. Comparison shopping is still the best way to ensure you get not only the benefits you expect, but also, the right out-of-pocket expenses.

Secure Health Options- Helping You Make an Informed Decision

Choosing the right Medicare Advantage plan in 2014 can be challenging without the right help. While we can’t make the decision for you, we can make the process as convenient and hassle free as possible. With top providers, comprehensive resources and reliable information, we’re proud to help folks just like you make smart choices and feel confident and secure with the right Medicare Advantage plan in 2014.

Confused about Medicare Advantage plans for 2014?

Not sure which Medicare plans for 2014 is best for you?

In 2014 Medicare Advantage plans are preparing for big changes. Recently Forbes magazine mimiced what we have been telling people since 2011 - big cuts are looming for Medicare Advantage plans. New rates proposed by the Centers for Medicare and Medicaid Services, a.k.a. CMS, will be “enormously disruptive” according to the Forbes Magazine article.

http://www.cigna.com/medicare/select-plus-rx/medicare-advantage-plan/overview.html

https://medicare.kaiserpermanente.org/



 

Wednesday, July 31, 2013

Stocks List Dropping

INTUITIVE SURGICAL INC COM NEW ISRG: NASDAQ $388.63 07/31/13

INTUITIVE SURGICAL INC COM NEW ISRG: NASDAQ $388.63

ISRG Company Overview

Company Contact
Headquarters:Building 101, 1266 Kifer Road
SUNNYVALE, CA 94086-5304
Web Address:http://www.intuitivesurgical.com
Intuitive Surgical, Inc. (Intuitive) designs, manufactures and markets da Vinci Surgical Systems and related instruments and accessories. A da Vinci Surgical System consists of a surgeon's console, a patient-side cart and a high performance vision system. The da Vinci Surgical System translates a surgeon's natural hand movements, which are performed on instrument controls at a console, into corresponding micro-movements of instruments positioned inside the patient through small incisions, or ports. The da Vinci Surgical System is designed to provide its operating surgeon with intuitive control, range of motion, fine tissue manipulation capability and three dimensional (3-D), high-definition (HD) vision while simultaneously allowing the surgeon to work through the small ports of MIS. On January 11, 2012, the Company acquired its Korean distributor.

Analyst Research
Thomson Reuters
Last Reported 7/30/13
Standard & Poor's
Last Reported 7/30/13
SmartConsensus Report
Last Reported 07/31/2013

Technical Research
Market Edge Second Opinion
Last Reported 7/26/13

Monday, June 3, 2013

MECHEL OAO SPONSORED ADR MTL: NYSE

MECHEL OAO SPONSORED ADR MTL: NYSE

Basic Materials : Metal Mining
Last PriceToday’s ChangeBid (Size)Ask (Size)Day’s RangeVolumeTrade
3.15+0.150 (+5.00%)3.14 x4,0003.15 x12,1003.11 - 3.192,052,111 
NYSE Real Time Quote Last Trade as of 10:30 AM ET 6/3/13
Extended Hours Quote and Chart: Show|Hide
Open3.18
Previous Close3.00
52 - Week Range3.00 - 8.34
5/31/13 - 9/14/12
Avg Volume (10 days)
3,278,313
P/E (Trailing 12 mo.)
--
EPS (Trailing 12 mo.)
-3.928
Next Earnings Date
--
Market Cap1.3 B
Shares Outstanding416.3 M
Beta2.8
Dividend Yield8.03%
Annual Dividend 0.2531
Ex-Dividend Date5/18/12
Dividend Payable Date8/15/12
Important Information about ADRs
Alert me when
MTL reaches:



Latest Headlines

Monday, May 10, 2010

Merck Co Decline $34.13


$34.13 +0.64 (1.91%) 52Wk Range: 23.18 - 41.13
$48.659 July 31, 2013 10:40 AM ET