Common Questions on How to Get Life Insurance with a History of Alcoholism

Common Questions on How to Get Life Insurance with a History of Alcoholism

One of the unfortunate realities of life is that as an adult, you tend to push yourself to the limit. When the hardships of career, relationships and family come knocking at the door, you may decide go for that one outlet which allows you to just take a break from these problems so you can finally take a breather.

alcoholism

Alcohol finds its way as one of these outlets. It might be the first thing you considered, as casual drinking provides a pathway to temporarily calm yourself amidst all these challenges thrown your way.

You are not alone in this thinking, as many other people find comfort in handling that whiskey on the rocks whenever they are feeling stressed. According to a United States survey, in 2014, 87.6 percent of people 18 and above reported that they drank alcohol at some point in their lifetime; 71.0 percent reported that they drank in the past year; and 56.9 percent reported that they drank in the past month.

It is easy to see that those who are just growing to be adults seem to grasp the same insight. However, the harsher reality is that you are more likely to develop a dependency to alcohol as time goes by. In the United States alone, nearly 14 million adults, or every one in 13, abuses alcohol or has a form of alcohol-related conditions. In addition, several million more partake in risky alcohol consumption that could potentially lead to abuse, and over three million American teenagers aged 14 to 17 have an alcohol problem.

The good news is that many of you are now aware of the huge benefits of undergoing rehabilitation and education about this problem. That is also why many are finding themselves surviving this chapter in their lives.

With that settled, your aim as a matured individual is to keep yourself as far from it as possible by keeping yourself healthy – in every aspect. This is the point you consider not only the physical, mental and social aspect of yourself, but also the effect of your health on your financial status.

too-many-drinks

As many of you would know, life insurance is one of the best approaches to keeping you secured from financial losses as you age. This is why it is important that you find the one that best suits your needs. However, before even getting a hold of the benefits of your investment, life insurance companies do rigorous background check of your health background to help them gauge their decision to approve.

However, as you have undergone a bad case of drinking in the past, you may be faced with various challenges at this point.  The fortunate reality is that in spite of all this, getting a life insurance with a history of alcoholism is still possible. That is why it is imperative that you are aware of the frequently asked questions regarding this matter.

Why does a History of Alcoholism matter to insurance companies?

Trying to find security with a history of alcohol abuse can be an intimidating task for a recovering alcoholic. This is because life insurance companies are aware of the health effects of alcohol on you.  Even though alcoholism is a condition that is not generally fatal, it can still lead to behaviors and outcomes that can cause early death.

dui

Companies see that your bad case of drinking may cause a higher chance of death by driving while intoxicated.

Another factor is that your likelihood of being in an accident and being impaired is highest when you are drunk. You are also more inclined to participate in activities that put you in dangerous situations that may lead to death or impairment, as well as criminal activity and incarceration, both of which produce shorter life spans.

As insurance companies tries to find business in the case of an alcoholic, giving life insurance to previous alcoholics may be somewhat a long shot. When a life insurance company issues a policy to anyone, they need to have assurance that that person will live for many years (for the client to pay for their premium for many years). Anytime there are any conditions that indicate early mortality, the company either increases the premium on the policy to compensate for the higher risk, or declines the policy outright.

What are the bases for insurance companies to determine if you were an alcoholic?

Companies most definitely want to know if clients ever struggled with alcoholism. In fact, when applying for a fully underwritten term or whole life insurance policy, you are asked if you have ever had a “history” of alcohol abuse.  This question is left intentionally vague so that the answer of what qualifies as “history”, is left for the applicant to determine.  Remember – insurance companies are not simply going to rely on an applicant’s “good faith” when it comes time to determining if they want to move forward with an approval.

talking-to-doctor

Insurance companies typically perform a medical exam whereby a blood sample will be taken.  This sample is used to screen for a variety of different conditions such as diabetes, hepatitis, AIDS, and for particular alcohol markers that may be present in someone who regularly consumes large quantities of alcohol.

A blood test is part of a routine health check in life insurance application process as it can indicate alcohol markers confirming consumption of large amounts of alcohol. An investigation of your medical records can reveal if you have ever sought treatment for alcoholism in the past. If you do have a history of alcohol abuse, the insurance underwriter needs to determine whether you are a recovering alcoholic, or a current alcoholic.

How do you prepare yourself to getting that life insurance even with this history?

When you apply for life insurance, what they are actually doing is applying for 1 of 16 different rate classes that an insurance company will use to determine if they wish to extend coverage to an individual.

The top 4 rate classes are Preferred Plus, Preferred, Standard Plus, and Standard.  Below a standard rate class is considered “high risk” and depending on who you apply with, this may mean that you may no longer be eligible for traditional term or whole life insurance coverage.

This is why recovering alcoholic needs to be particularly careful when applying for life insurance.

There are important measures you can take to prepare yourself before applying for term life insurance. Doing so can help your chances of getting approved at the best rating class possible.

insurance-agent

Beyond maintaining your health, the single most important decision you have to make is choosing a life insurance broker who can work with you. Any time you have any kind of health condition, a good insurance broker guide you on what you need to do to achieve a favorable result on your application for life insurance .

The broker you chose serves as the one who will work with you in searching, assisting and dealing with dozens of different life insurance companies, rather than just one. The broker knows which insurance companies are more likely to approve a person with a history of alcoholism – and which companies might be better to leave out from your list.

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Prepare Your Superfood Smoothies with these Easy Recipes

Prepare Your Superfood Smoothies with these Easy Recipes

Blueberries, kale, salmon, tomatoes, and others. You’ve probably heard, or read, many different things about the nutritional benefits of these everyday ingredients that most magazines or online articles commonly label as superfoods. While there’s no official scientific definition of a superfood, people have generally accepted that superfoods are those foods that contain high levels of much-needed vitamins and minerals. They can also be a source of antioxidants – substances that shield the body from cell damage and help prevent disease.

Most of these superfoods are fruits and vegetable. Most likely, however, if you’ve been eating blueberries as dessert or tomatoes as part of a main course, you’ll get too used to eating them that way.

Luckily, there are various ways for you to enjoy these superfoods – particularly the ones that you can get from fruits and vegetables. You can enjoy them as smoothies! Here are some of the best ways to make a superfood drink or a smoothie that you’ll surely enjoy.

Blueberries

Blueberrie might be the first thing to come up when you search for a superfood, just because they are extremely healthy and nutritious. Its nutritional value makes it highly beneficial to the body.

These berries are full of phytonutrients that neutralize free radicals (agents that cause aging and cell damage). In addition, blueberries are good sources of vitamin K. They also contain vitamin C, fiber, manganese and other antioxidants (notably anthocyanins). The antioxidants in these berries may also protect against cancer and reduce the effects of age-related conditions such as Alzheimer’s disease or dementia.

Blueberries are so rich in phytonutrients that they provide as much antioxidant protection to the body as 1,733 IU of vitamin E and more than 1200 milligrams of vitamin C. It is recommended that you to consume 1 to 2 cups of blueberries daily to obtain the full health benefits of this amazing fruit.

blueberry-smoothie

Phytonutrients are non-vitamin, non-mineral components of food that have significant health benefits. Research has shown that phytonutrients help the body cells “communicate” with each other more efficiently, hence, preventing mutations at the cellular level. In turn, the proliferation of cancer cells is lessened, if not totally halted.

Making a Blueberry Smoothie

Ingredients:

1 cup blueberries (frozen or fresh)

8 ounce plain yogurt

3/4 cup 2% reduced-fat milk

2 tablespoons white sugar

1/2 teaspoon vanilla extract

1/8 teaspoon ground nutmeg

Preparation:

Blend the blueberries, yogurt, milk, sugar, vanilla, and nutmeg in a blender until frothy, scraping down the sides of the blender with a spatula occasionally. Serve immediately.

Avocado

Avocados have been cultivated for thousands of years, and are a known favorite of the Aztecs. They are originally native to Central America. This superfood has a  TON of health benefits.

One of the most nutrient-dense foods, avocados are high in fiber and, ounce for ounce, they top the charts among all fruits for folate, potassium, vitamin E and magnesium. No doubt, avocado’s nutritional value makes it a powerful superfood.

avocado-smoothie

The delicious healthy monounsaturated fat in the avocado is one of its biggest claims to being a superfood. The monounsaturated fat in avocados is oleic acid, which helps lower cholesterol. One study has found that after seven days on a diet that included avocados, there were significant decreases in both total and LDL (“bad”) cholesterol, as well as an 11 percent increase in the “good” HDL cholesterol.

Preparing a Creamy Avocado Smoothie

Ingredients:

1 cup milk

1/2 cup sweetened condensed milk

2 cups crushed ice

2 ripe Hass avocados, pitted

Preparation:

Blend the milk, sweetened condensed milk and ice in a blender until very smooth. Add the avocado flesh and blend again until smooth. Be reminded that the mixture could be quite thick; add cold water a few tablespoons at a time, blending after each addition, until the mixture is pourable. Taste and add more sweetened condensed milk as needed if you want it sweeter. Serve in chilled glasses with straws.

Grapefruit

Grapefruit is considered a fat burning superfood that aids in weight loss. Grapefruit is a citrus fruit that was discovered in Barbados in the 18th century before being transferred and re-planted in Florida.

grapefruit

Grapefruit is loaded with Vitamin C as well, offering a good 59% of the daily recommended intake. Vitamin C is a water-soluble vitamin that your body can only get from the food you eat. Vitamin C is necessary for proper growth and repair of tissues, and it plays a role in preventing heart disease, high blood pressure, cancer, osteoarthritis, boosting immunity, as well as other health conditions. Grapefruit also contains pectin which has been known to reduce cholesterol.

It is also known that Grapefruits are high in fiber and only about 40-50 calories – making it a healthy snack alternative. In addition, it consists of about 90% water, making it not only a great snack but a great pre-meal appetizer. The volume of water helps you feel full and works as an appetite suppressor.

What makes this fruit a fat burning superfood is that it takes more calories to digest grapefruit. It stimulates the release of cholecystokinin, a hormone that regulates digestive juices and acts as a hunger suppressant.

Grapefruit Smoothie with Banana and Apple

Ingredients:

1 small pink grapefruit, peeled and segmented

1 banana, peeled and chopped

1 mango, halved, stoned and flesh chopped

200g (7oz) natural yogurt

Handful of ice cubes

Preparation:

Blend the grapefruit, banana, mango, yogurt and ice cubes in a blender until frothy.

Have the smoothie chilled from a freezer for about 30 minutes before serving.

Kale

Superfoods are not all just fruits – in fact, a lot of superfoods are vegetables, crops or seeds. As such, one of the most nutritious green superfoods is kale, with its many other benefits for the body on top of it being a good source of essential nutrients.

kale

Kale is a nutritional powerhouse packed with antioxidants such as vitamin C, beta-carotene, kaempferol and quercetin. It also contains several glucosinolates including glucobrassicin, glucoraphanin and sinigrin. When you eat kale, these compounds are converted into isothiocyanates in your digestive tract.

Research suggests that isothiocyanates may help prevent cancer and, in some cases, even suppress the growth of tumors. Isothiocyanates work their anti-cancer “magic” by eliminating potential carcinogens from the body, by conferring protection against DNA damage, and by stimulating apoptosis (self-destruction) of cancerous cells. Most of the research related to isothiocyanates, kale and cancer has focused on colon cancer and breast cancer, but there’s also evidence that kale and other foods that contain glucosinolates may also provide protection against prostate cancer, ovarian cancer, and bladder cancer.

The health benefits of kale go well beyond providing a truckload of vitamins and minerals; this superfood is packed with phytonutrients such as glucosinolates and flavonoids. Thanks to its broad nutritional profile, kale is thought to help fight cardiovascular disease, asthma, and rheumatoid arthritis; prevent several types of cancer and premature aging of the skin; and promote the health of the urinary tract.

Some people might not find eating this powerhouse food straight up, but luckily, you can find the best way to prepare the best green superfood drinks here.

How to Prepare Kale and Banana Smoothie

kale-and-banana-smoothie

Ingredients:

1 banana

2 cups chopped kale

1/2 cup light unsweetened soy milk

1 tablespoon flax seeds

1 teaspoon maple syrup

Preparation:

Place the banana, kale, soy milk, flax seeds, and maple syrup into a blender.

Cover, and puree until smooth. Serve over ice.

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Heart Alert – Daily Routines That are Damaging Your Heart

Heart Alert – Daily Routines That are Damaging Your Heart

Imagine this: it’s early morning. It’s time to eat breakfast, your daily dose of mega-protein breakfast is laid out in front of you – 10 strips of bacon, 3 hotdogs,  2 eggs, and jug full of milk (okay, maybe no one eats THIS much, but you get the point). Your “healthy” breakfast is now underway.

Then after breakfast comes a full lunch, comprising of your favorites: steak and mashed potatoes. Before you know it, it’s dinnertime, and you say hello to another round of delicious, but not so very healthy foods. Though it may seem reasonable because you’re famished (as always), this eating pattern has now become a part of your daily routine.

heart graphic

It initially feels right to stuff your body full of all the food and energy that it is going to need in order to survive another day. This kind of habit makes you feel that you are healthy since you are eating three times a day.

Then again, there are things that you regularly do that you thought were harmless to your body, but are actually harming you one bite after another.

So you start eating vegetables. You try to ignore your cravings for a mouth-watering pork chop. At some point, you let go of the tension and decide to “give yourself a break” with a ton of french fries as a snack.

You may have changed your diet, but it does not guarantee that you are already healthy. This is just another habit that you thought was OK, but may actually be harming your body.

One of the things that takes the worst hit in your body is your heart.  Without you knowing, you may have certain habits that are actually destroying your healthy heart in the long run.

Try to think about your life choices so far. Consider which of the following habits you are currently practicing, and see if it’s about time to stop them in order to save you tons of money in hospital bills – or worse.

Know Your Heart

Even though the functions of the heart might seem mundane to you, the organ still serves as one of them most, if not the most, important organ inside your body. It is vital to make sure that your heart gets enough attention from you in order to prevent anything that might disrupt its main responsibility – pumping blood throughout your body.

Remember that your blood holds the life-sustaining oxygen and nutrients that your body needs. No organ inside your body has the ability to pump blood like the heart. In other words, it might be easy to change your whole house air purifier but that is not the case with your heart.

Habits That Can Damage Your Heart

The following are some of the worst habits that you might want to consider removing from your routine in order to keep your heart healthy:

  1.   You Sit All Day

If you don’t have a daily exercise routine, you tend to always end up sitting in front of your computer or television. But you might want to consider standing up and getting your running shoes and sports attire. People who spend at least five hours a day sitting have a higher rate of heart failure. Consider walking around your campus or outside your office during lunch breaks if you really cannot avoid sitting for too long.

cant avoid

 

  1.   You Eat Too Much

Overeating destroys your heart. No matter how much you love eating pizza or burgers. At some point, you just need to stop. As the song says, too much love can kill you.

eating too much

  1.   You Sleep Too Much

Sleeping beauty is the only person who stays healthy even after oversleeping. Obviously, you are not Aurora, and you are not in an animated film. Sleeping too much can harm your heart by putting it through extreme levels of blood pressure and levels of stress. In addition, making a habit of sleeping less than five hours a day can also damage your heart. Thus, make sure you sleep well every day.

sleeping beauty

  1.   You Do Not Floss Everyday

You read it right. If you do not floss regularly, chances are your heart might be damaged. Recent studies concluded that cardiac health conditions and dental diseases are related to each other. Your swollen gums open the door for bacteria that want to enter your mouth’s blood vessels. The bacteria can eventually reach your heart and result in the narrowing of the blood vessels in and on the heart itself.

floss

  1.   You’re Dealing With Too Much Stress

Stress (usually financial) can also affect your heart’s health. More so if it leads to you thinking about how to pay your hospital bills! If you are starting to feel too much stress, learn to stop, relax and restart. You have to learn how to manage your stress levels. Extremely high stress levels can result in high blood pressure, depression or even insomnia. These negative results can disturb your active lifestyle and affect you health altogether.

depression

  1.   You Consume Too Much Salt

Your blood pressure is going to suffer because of too much salt. Remember that high blood pressure can trigger a number of heart diseases. Then again, it is easy to leave your salt container in the kitchen, but it does not guarantee that you are not already having too much sodium chloride. Junk food and other processed food also contain salt that you may unknowingly be eating.

salt

  1.   You Smoke

Lungs are not the only price you are going to pay if you keep on smoking. It can also damage your heart. If you stop smoking immediately, then it can lower your risk of having heart attacks, strokes, high blood pressure, or breathing problems. If you are not a smoker, then make sure to avoid secondhand smoking. Being a secondhand smoker has higher probability of compromising your heart as compared to first hand smokers.

smoking

  1.   You Drink Too Much

Unlike smoking, drinking moderately is fine for your heart. However, too much alcoholic drinks can increase your risks of high blood pressure, high level of blood fats, and even heart failure. The habit of drinking excessively can make you gain weight, which then could lead to heart problems. It’s fine to have drinks with college friends or co-worker during weekends, but make sure to remember your heart’s condition.

drinking

  1.   You Don’t Take Your Medicine

Skipping your medication could possibly result in terminal heart conditions. Your medicines might taste a little awful but your doctor prescribed them for a reason. If you are already under maintenance for blood pressure symptoms, you must not stop or skip taking your pills. High blood pressure is known as a silent killer. Thus, drink your meds, and do not allow this murderer to slay your heart.

no to medication

  1. You’re Putting Off Your Daily Checkups

Conducting daily appointments can save you from having fatal heart diseases. This practice might not entirely keep you from getting a bad heart condition, but it can help you check your health as early as possible. There are cases where patients learned about their conditions when a cure is no longer possible. Even though you are busy with work or school requirements, always make sure not to postpone your health appointments. All the money you can earn or knowledge you can gain are nothing if you end up in hospital bed just because you are too busy for a checkup.

checkup

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Over-Studying – Are You Studying Too Much?

Over-Studying – Are You Studying Too Much?

Over-Studying – Are You Studying Too Much?

Are you one of those students who keep on telling yourself that student loans are SO expensive that you simply cannot afford to fail?

Are you the type of student that stays up late everynight with your cup of coffee, highlighters, sticky notes and review materials for the sake of not getting an F?

There are probably moments that you just want to lie in your bed during weekends and dream that maybe, just maybe there will be another day hidden in some self storage units in Perth which you could put between Saturday and Sunday. It just feels entirely unfair that the time between Friday and Monday always passes in what seems like seconds.

But it might be time to assess things, you might just be one of those students who believe in quantity over quality when it comes to studying and getting work done. Try to assess yourself right now. Are you one of these students?

tired study person

Try to ignore all your biases and prejudices. Focus on asking yourself if you are indeed studying more than you should.

At some point of your life, you may be over-studying in order to ace or pass your classes. You are the type of student who takes the time to review their notes during bus or train rides, as if it is an extension of the library or your room. Perhaps over studying has now become a part of your routine – just like an ordinary part of your student life.

How To Know If You’re Studying Too Much

  1.  Your eyes are starting to twitch. Eye twitching is pretty easy to recognizing, and also pretty alarming. This usually happens when you stare at something for too long.

over worked

  1.  You regularly eat your lunch or dinner later you should. If you start working on your homework at 10 in the morning, there may be more than a few times when you look at your clock, and it has suddenly jumped to 4 in the afternoon. In some cases, you completely forget to eat your dinner as the clock has already struck 12.
  2.  You now display poor personal hygiene. This happens when you stay up late at night. For an example, you start studying at one in the morning and then you end up sleeping at six. You will probably wake up at around three in the afternoon! Thus, you have completely forgotten about taking a shower! If taking a shower late in the afternoon is your regular routine, then you might be over studying.
  3.  You are consuming way too much caffeine. You drink coffee more than you drink water. You constantly remind yourself that you cannot afford to fall asleep or else you will end up paying for the same subject next term.
  4.  The library is starting to feel like your second home. In some cases, you opt to spend too much of your time in coffee shops. There are moments when the librarians or baristas have already become your new found best friends in life.

too many papers

  1.  Words become jumbled. This is when you begin to see words that are jumbled right in front of you. You cannot find where a sentence begins, or understand what you are reading at all, only to find out that you are reading the incorrect section of the incorrect book. You need sleep.
  2.  You start sleeping during classes. You may have topped your class during midterms but it’s not a good impression if your professor sees you sleeping during lectures.
  3.  Your classmates are your best friends. In other words, you do not see other group of friends aside from your classmates. You are no longer paying attention to your emotional and social needs.
  4.  You hoard your mugs, plates, spoons and forks in your bedroom. Once you arrive home, you grab your dinner and go straight to your reading materials. You start to forget that your utensils need some washing too.
  5. You pass out while reading your assigned book for your class. You cannot remember how or when you unknowingly closed your eyes. You just sleep there since your body has finally given in to the soft comforts of your bed.
  6. You have the tendency to forget things. Even though you have complete notes on your Analytical Geometry class, you cannot remember the formulas. Sometimes you even forget to study…meaning now you have to study more to make up for it!
  7. Your room looks like a complete disaster. Your clothes pile on your bed. Your used clothes have become a resident of your bedroom corner for more than three weeks now. Your school supplies are just all over the floor. Your room has gone wild.

What Are The Effects Of Studying Too Much?

  1.  The ability to learn lowers as time passes by. You always get tired. You stay up late for two or three days in a row. In other words, your body and mind are not getting enough rest.
  2.  Excessive caffeine intake can harm your heart. It can increase the risk of having high blood pressure and heart attacks.
  3.  Sacrificing quality time with your family and friends. Instead of going to hangout with your friends or go shopping on Sunday mornings, you gather all the sleep you needed in order to be ready to face Monday once again. You lost quality time with the people you treasure the most. This can harm your emotional stability.
  4.  Academic stress can lead to a damaged brain. Excessive stress can cause inflammation in your brain, which leads to memory loss and depression.
  5.  Stress can increase the rate of reproduction of cancer cells.  Due to your lifestyle, you do not allot enough time to have your regular checkups. This can lead to diseases that you might not know about. The stress can help the cancer cells spread faster.
  6.  Less time for exercise. Let’s face it – no one can exercise and study simultaneously. This lack of physical activity may lead to many different health conditions that can affect your heart.
  7.  Stress eating can lead to a number of illnesses. If you settle for sweets, this can result in diabetes. If you are a salt person, this can cause many problems with kidney function.

help studying

How Do I Change The Habit Of Studying Too Much?

  1.      List all the things you have to accomplish within a certain week, and focus on the top 5.
  2.      Categorize your workload based on importance and/or deadlines.
  3.      Strictly follow your schedule.
  4.      Do not waste your time browsing your social media accounts for an extended period of time.
  5.      Look for a place that is conducive to completing your work efficiently.
  6.      Do not use your room as your workplace in order for you to not have to remember your stress before sleeping.
  7.      Make sure to have regular, healthy breaks when you are studying.
  8.      Stay organized.

It doesn’t matter how important it is to study, too much is too much. At some point, you just have to stop worrying about your school loans and give yourself the rest that you deserve. There is no point in having A’s in all classes or passing all your exams if you end up in a hospital bed.

Remember, hospital bills are far more expensive than student loans! Instead of helping your family have a bright future, you might end up leaving them in debt.

It’s not too late to save yourself from a lot of stress in the long run. You always have your choices. You just need to learn to choose the right ones.

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