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Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death. Mesothelioma treatments and Mesothelioma clinical trials and tests There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques. Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising. Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm. A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body. A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells. A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis. With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.

If you are approached by a life insurance agent and asked to consider canceling your current life insurance policy in order to purchase a replacement policy there are a few things you should know first. 6 Reasons to Change a Life Insurance Policy Checklist You find a cheaper life insurance policy You have a change in life circumstance You need to change or add a beneficiary You find out there might be a better type of policy for you like whole life or term insurance. You change your financial strategy You want the cash value instead of borrowing from your life insurance policy Before You Change or Cancel Your Life Insurance As the policyholder of your life insurance policy, you are in control of your life insurance policy choices. Neither beneficiaries nor life insurance policies can be changed without your consent. The only exception to this may be if the beneficiary on your life insurance policy is irrevocable. The policyholder cannot change the irrevocable beneficiary without consent. 5 Important Things to Consider Before Replacing Your Life Insurance Policy Checklist If you are considering canceling or changing your life insurance policy, these are the things you need to consider before making a choice. If you have explored all these options and done your research you are far more likely to come out on top. 1. The Life Insurance Medical Exam When you purchased your life insurance policy, you took a life insurance medical exam and "passed". If you try and get a new policy, and you have to take a new life insurance medical exam, you may not be eligible for a new policy or may have certain restrictions. You might even be uninsurable, or have to take a more expensive policy than you were originally quoted. It is a big risk to take. 2. Compare Life Insurance Before you change life insurance review the different types of policy options: Term, Whole Life or other permanent life policies like Universal Life insurance are some of the possibilities. 3. Learn About Your Life Insurance Policy Waiting Period You may have a policy or loan waiting period Understand the Contestable Period and Suicide Provision - The incontestability clause is standard with life insurance policies and basically means that in the first two years of a new policy, your death benefit may be denied or contested. If your current policy is more than 2 years old, then this clause no longer applies.You would lose this advantage when switching to a new policy. 4. Consider Staying With Your Current Insurance Company and Converting the Policy Make sure your agent has reviewed all your life insurance replacement or change options with you. Sometimes you might be able to convert your policy into what you are looking for and avoid the contestable period and medical exam as a result. Even if you can't convert your policy, you might also consider the option of adding another policy to supplement your current life insurance policy. it really depends on why you want to cancel or replace your life insurance in the first place. There are lots of ways a financial planner or knowledgeable agent can help you, make sure you review all the advice you can get before replacing your policy. If you have not been offered additional options, get a second opinion! 5. Compare the Costs of Replacing Your Life Insurance Policy There are a number of costs that may come into play when you change your old life insurance policy for a new one. Here is a checklist of things to consider and ask about when replacing a life insurance policy besides the new life insurance policy premium. Checklist to Compare Costs if You're Considering Life Insurance Replacement Will there be costs to start a new policy? How do the tax advantages compare to the old policy? Will there be tax consequences? When and how you can take a loan on a new policy may be different The cash value from your old policy may not be enough to pay the entire new policy in the future, which may result in additional payments Depending on your age, you may pay more over the lifetime of a policy because of purchasing a new policy later in life Life insurance is more expensive as you get older Will the premiums or benefits vary from year to year? Are there surrender fees on the policy you want to replace? What Information Is Required to Replace a Life Insurance Policy Whenever you are surrendering a life insurance policy to replace it, you will be asked a series of questions. These questions are in place to protect you from scams and fraud and allows insurance companies to monitor situations to ensure things are being done properly. Questions Asked To Protect You When Replacing Life Insurance You will be asked for the current life insurance policy number, insurance carrier, and policy expiration You will be asked if you plan to replace your current policy with your new one The questions asked when you replace a life insurance policy protect you and also protect the insurance company from agents who routinely change their client's life insurance policies to get a commission. This kind of behavior is known as churning when a life insurance agent is behaving questionably and creating repeat commissions for themselves on the same clients. Replacing Your Life Insurance? Look Out For Scams When choosing to make any changes in life insurance always obtain a second opinion and be aware of the warning signs of questionable actions of someone trying to convince you to change policies. Make sure you are not getting taken advantage of or scammed. Besides reviewing the list of considerations to know before changing your life insurance policy, it is important to know the warning signs of agents you want to stay away from. If an agent does any of these things you need to contact your state insurance commissioner's office and let them know about the situation. State commissioners are there to help protect the public interest, and in the case of questionable behavior of an agent or representative, they can help you protect yourself too. Check If Your Life Insurance Agent is Licensed If you feel uncomfortable or experience any of the warning signs below, you can also check to see if your agent and insurance company are licensed to sell insurance in your state by calling the NAIC at 1-866-470-6242. Checklist of Life Insurance Agent Warning Signs The agent warns you not to tell your current insurer and/or relatives that you are thinking about changing policies. This goes against insurance company procedures and is a sign that the agent may be involved in churning, or not licensed! The life insurance agent tries to get you to sign forms that are not complete or you don't understand The agent insists that using the cash value from your current policy to pay for the premiums on a new policy would offer an unbelievably huge advantage to you The agent criticizes other agents and companies. This is unethical and unprofessional behavior and is definitely a warning sign.

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