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Day: March 19, 2018

Still Insurable With Multiple Sclerosis

Trying to shop for life insurance when you have multiple sclerosis can be daunting. It helps to consult experts in life insurance for people with MS, so they can guide you through the process. But it also helps to know what the actual insurance companies look for when underwriting this type of policy.

What do life insurance underwriters look for when they determine the rating for someone with multiple sclerosis?

  • Type of multiple sclerosis. A person with Relapsing/Remitting Multiple Sclerosis is most likely to get a medically underwritten policy like someone of good health can get. The rates will be higher for people with multiple sclerosis, but rates vary widely from company to company. So it is very important to use agents experienced in writing life insurance for people with MS in order to get the lowest rate. There are several No Exam policies that work well for people with the Progressive forms of multiple sclerosis, as well.
  • When diagnosed. Most companies like to wait a year after diagnosis so they can see the pattern the person’s MS takes before making an offer. However, there are also policies that one can get shortly after being diagnoses with multiple sclerosis.
  • Symptoms. It seems that no two people with MS have exactly the same symptoms, and therefore underwriting life insurance for those with multiple sclerosis is complicated. The fewer the symptoms, the better the rate will be, and the more life insurance choices one has. Symptoms considered are: need of assistance for walking, depression, incontinence, nerve pain, memory loss, and whether one needs home health or institutionalized care. Whether or not you are capable of working fulltime is also a consideration for medically underwritten policies. There are policies to cover almost every symptom, so never assume you are uninsurable due to MS!
  • Treatment. Medically underwritten products are easiest to get by people who have had good results with Copaxone, Rebif, Avonex, and other approved MS treatments. However, there are policies for people with no treatment, all the way to people who have had a stem cell transplant.

It can be frustrating for people with MS to buy life insurance when they are able to do what anyone else does, yet still find themselves paying more than someone with no health problems. But even people with perfect health pay higher rates if they have a parent with heart disease. There is no way around paying more, but agencies that specialize in multiple sclerosis life insurance can help you pay a lot less.…

Why Start A Home Based Business Online

Is it a passing fad or is it a growing trend? Is it just a want, or is it a need? In these days, more and more people seems to be getting that bug of wanting to start their own online business. Maybe they're finally all heard that today, the internet is where the money is, and it's easy money at that!

The one thing I know for sure and what's a driving factor in my life is that I can not, and will not let someone else tell me what I'm worth ever again. Either it's by the hour or in life as a whole, I will take control and determine my own income and wealth. The days of a regular 9-to-5 are long gone for me.

I had to be Independent! And you know the great thing about being financially independent? It's that, you can do anything that you want. You can do it whenever you want, how you want, for as long as you want, and pretty much with whatever ever you wanted to do it with. All because you'll have the money to do it with.

They say that starting an online home base business is all about finding your niche. In other words you have to utilize your skills and / or find something that you are pretty knowledgeable about and turn that knowledge into a home based business. Hey everyone's good at something right! Even if you are a Kung-Fu Master, you could use that knowledge that you possess and post it across the Internet and make a killing! No, No, No, not like in the Kung-Fu sense, but as in a bag full of money sense. Because people want to know what you know and guess what, they are willing to pay for it!

There could be a lot of road blocks when first starting out with your own home based business so look out! First there could be that old learning curve of never-ending pitfalls that's waiting for you to step into them, and then there is always the money factor. Come on you've heard it before., It takes money to make money. This seems to be the one thing that holds you back when looking to start working online with a new home based business.

If you've been told like I've been told that in order to start a business of any sort, you're going to need a lot of Ducks to do it with! For most of us the reason for seeking to start the home base business online, is because we do not have any money in the first place so we are in need of an economic way of doing it or in other words, to start-up For free.

Our whole goal and objective is to START making money online. Some would say it can not be done without a lot of money. Now in most cases this statement would be true, but now today with so much …