5 lesser-known features of term insurance

5 lesser-known features of term insurance
Term insurance is just like life insurance. The only major difference is that while life insurance covers the policyholder all their life, term insurance protects for a fixed duration. If the policyholder or the insured passes away within that period, the insurance company pays the beneficiaries the claim amount. Term insurance plans are available nationwide at several insurance companies and financial institutions, so one can easily sign up for them. Why purchase a term insurance plan? Like permanent life insurance, term insurance offers several benefits, making it a good investment option. The biggest reason to buy a plan is that it provides financial stability to the family and dependents after the policyholder’s passing. All one has to do is visit an insurance provider, choose a suitable policy, and pay a regular premium. Then, in case of an untimely death, the company will compensate the beneficiaries. A policyholder can rest assured that their family will continue to have access to finances and maintain their standard of living after their passing. The loved ones can use the money to pay their daily expenses, like groceries and utility bills, and even pay off debt. This peace of mind is why many get a term insurance plan.

8 Mistakes to Avoid When Switching Mobile Phone Carriers

8 Mistakes to Avoid When Switching Mobile Phone Carriers
According to a survey, one-fifth of individuals nationwide claimed they were at least “somewhat likely” to switch mobile phone carriers in the following year. One may switch phone carriers for various reasons, including the need for better coverage quality or increased Internet speed. Understanding the new mobile carrier’s features and reliability is essential to choosing a mobile carrier. In addition, here are some mistakes to avoid while switching mobile phone carriers: 1. Switching at the wrong time Often, when switching mobile phone carriers mid-month, the previous provider may not refund one’s money for the remaining days of the month or generate a bill that considers only the number of days one has availed of the previous provider’s service. Hence, users will likely incur losses if they do not time their switch appropriately. Switching one’s phone carrier on the last or first days of the month is advisable to minimize or eliminate losses. 2. Opting for providers charging early termination fees Some providers may charge an early termination fee upon termination within 30 days of customers availing themselves of the provider’s services. It is essential to avoid opting for such mobile phone carriers, as one should have a reasonable trial period to ensure that the service provider caters to one’s requirements effectively.

9 common mistakes to avoid while buying term insurance

9 common mistakes to avoid while buying term insurance
Term insurance provides a financial cushion for the family. If the policyholder passes away during the specified term , the beneficiary receives a death benefit . This amount is usually not taxable and provides the family with financial stability and comfort in the long run. But, choosing an insurance plan requires research. One must pick the right provider, choose the necessary benefits, and read the terms carefully. One must also avoid making mistakes when buying term insurance. Not buying the right policy at the right time While term insurance premiums remain consistent across the policy duration, the amount is calculated based on the policyholder’s age when applying. That’s why one should consider buying early. It results in a low annual expense across the policy term and higher savings. Still, that does not mean individuals must invest in a term insurance plan immediately after they start earning. Buying a policy is advisable only if a person has financial dependents or has taken a huge loan. Buying for a short duration While buying term insurance is a wise decision, one must choose the tenure carefully. Many experts recommend buying a long-term policy that remains active into one’s golden years. Sure, the shorter-term plans have affordable premiums, but the amount increases when renewing the plan down the line.

8 tips for preventing aortic stenosis

8 tips for preventing aortic stenosis
Aortic stenosis is a heart condition caused by the narrowing of the aortic valve. The condition may go unnoticed for years before it worsens, so proactive measures may be required for prevention. Understanding its causes, risk factors, and symptoms is pivotal in developing a robust prevention strategy. So here are a few tips that can help fortify heart health. By incorporating these practices, one can significantly lower the risk of developing aortic stenosis. Understand the causes The narrowing of the aortic valve due to aortic stenosis limits the flow of blood through the heart. This may develop due to multiple reasons. Recognizing these factors can help one take proactive steps toward prevention: – Aging and associated natural wear and tear of the aortic valve over time can lead to narrowing. – Accumulation of calcium on the valve can cause it to stiffen and narrow. – Congenital heart problems, i.e., abnormalities in the aortic valve at birth, can lead to aortic stenosis. – Untreated strep throat or scarlet fever can lead to valve damage. – Certain autoimmune disorders and inflammatory conditions can trigger valve inflammation. – Having a two-leaflet valve (bicuspid aortic valve) instead of the normal three can lead to stenosis over time.

Top 20 foods to eat and avoid for bad breath

Top 20 foods to eat and avoid for bad breath
Bad breath, or halitosis, is a prevalent condition that can be embarrassing for individuals. It can result from various factors, including poor oral hygiene, dental problems, and even certain foods. While maintaining good oral hygiene practices is crucial in combating bad breath, incorporating specific foods into one’s daily routine can also help freshen the breath. Here is a range of foods that can effectively fight bad breath and the ones that can aggravate the condition. Foods to fight bad breath Here are some foods that can naturally freshen one’s breath: Sugarless mint gums One of the quickest and most convenient ways to combat bad breath on the go is by chewing sugarless mint gums. Mint possesses natural deodorizing properties that make it an effective choice for freshening the breath. Chewing gum also stimulates saliva production; saliva helps in washing away bacteria, food particles, and odor-causing compounds. Most sugarless gums are readily available in stores and are easy to carry. Fresh herbs Fresh herbs like parsley, cilantro, and mint contain natural chlorophyll, a green pigment that acts as a potent deodorizer. Chewing on a few leaves of these herbs after a meal can help neutralize odors and leave one’s breath smelling fresher.

7 foods that help reduce the risk of cancer

7 foods that help reduce the risk of cancer
In a world where most ready-to-eat meals contain excess fats and calories, finding a balance becomes necessary. The food one consumes helps maintain overall health, reduces the risk of a disease, and hastens the recovery process. This is particularly true in the case of cancer. While no food can cure cancer, intake of certain vegetables, such as the ones given below, may reduce its risk. This article additionally touches upon options for cancer treatment. 7 Foods That Help Reduce the Risk of Cancer Berries Berries like blackberries, mulberries, strawberries, and blueberries are rich sources of vitamin C, folate, potassium, and manganese. They also contain a high amount of antioxidants, including ellagic acid, gallic acid, and chlorogenic acid, and have anti-cancer properties. Garlic Garlic is a vegetable that contains an active compound called allicin. One study concluded that people who ate a large number of allicin-rich vegetables such as garlic, onions, leeks, and shallots had a lower risk of stomach cancer. Tomato According to some experts, this fruit is a cancer-fighting superfood. Tomatoes contain lycopene, which is an antioxidant phytochemical that keeps away heart diseases. They are, additionally, a rich source of vitamin A, C, and E, all nutrients that help reduce the risk of cancer.

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3 tips for diabetes management

3 tips for diabetes management

High blood sugar or hyperglycemia is associated with prediabetes and diabetes. The body generates insulin to manage blood sugar levels. But when the liver produces excessive glucose, and the body makes little insulin or fails to use insulin, it leads to high blood sugar levels. The condition can leave one tired and thirsty, cause blurry vision, and result in the frequent urge to pee. Read on to know some treatment plans for diabetes management: Treatment options for diabetes management Invokana® It is an excellent treatment plan that works in tandem with the proper meal plans and exercise to lower high blood sugar levels in those with type 2 diabetes. Invokana ® also reduces the risk of death from stroke or heart attack. Plus, it helps decrease the risk of end-stage kidney disease and worsening of kidney function. GlucoTrust GlucoTrust promises to help maintain healthy blood sugar levels, reduce one’s craving for sugar and unhealthy foods, and support deep sleep. It also claims to have a formula of all-natural ingredients. However, it is strongly advisable to consult your doctor before opting for supplements like GlucoTrust since it may not bring the desired results in all cases. Kerendia® It is an FDA-approved prescription treatment that aids in lowering the risk of complications in people with Type 2 diabetes.
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4 tips for dealing with asthma

4 tips for dealing with asthma

Asthma is a respiratory condition wherein the airways in the lungs swell up, become narrow, and produce extra mucus, making it difficult to breathe. People affected can experience breathlessness, coughing, and wheezing. The disease could be a minor issue for some, while others may have to deal with serious long-term symptoms. Although there is no permanent cure for asthma, here are treatment options, foods to have and avoid, and alternative therapies to manage the symptoms: Treatment options Doctors can recommend the right course of treatment based on the severity of asthma symptoms. Here are a few popular options: Tezepelumab: It is a popular treatment option, approved by the FDA as a supplementary maintenance remedy for pediatric patients over 12 and adults with asthma. Tezepelumab is an injectable option and the first and only biologic to significantly and consistently reduce severe asthma symptoms in clinical trials. Fasenra: This is a monoclonal antibody that works on the immune system activity in the body. Fasenra helps control the elevated eosinophil count responsible for severe asthma symptoms. This injection is suitable for children over 12 and adults and can be used with other treatment plans to keep flare-ups in check. Nucala: This is a monoclonal antibody that also reduces the eosinophils in the body.
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