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.
Sell Life Contingent Annuity with or without Insurance
Sell Life Contingent Annuity Payments: Do You Need Life Insurance?
We hear many people ask: “I want to sell life contingent annuity payments, but some companies tell me they must buy life insurance while others say they can buy my payments without life insurance. Who’s telling the truth, and why is there a difference?
Sell Life Contingent Annuity Payments with Life Insurance or Self-Insurance
The phrase “life contingent” means that your annuity payments will stop when you die. In order for us to buy these payments there are two options. Corona Capital can help you obtain a life insurance policy to cover the annuity payments you sell in case you pass away, or we can Self-insure your payments by simply giving you less money at a higher discount rate.
Which is Better?
Each person’s life contingent annuity payments and circumstances are different. The experts at Corona Capital will customize a transaction that suits your situation. Generally, you’ll receive more money and a better exchange by getting a life insurance policy. Here are some things to know:
Using a life insurance policy allows us to offer a lower discount rate to sell life contingent annuity payments, which equals more money for you.
Having a life insurance policy may allow you to choose a beneficiary (children, relatives, spouse). Any excess insurance may be paid to the beneficiary you choose.
On some smaller cases for healthy individuals, we can often obtain life insurance without requiring a medical exam. For larger or special cases a medical exam will be necessary.
Pros & Cons Beneficiary Possible Best Rate/More Money Court Approval Required Quicker Process Medical Exam Required Sell Far Away Payments
With Life Insurance
Yes Yes Yes No Depends Yes
Without Life Insurance
No No Yes Yes Depends No
Doesn’t Life Insurance Cost Money? Wouldn’t I Receive More Money without It?
Yes there is a cost to it, but having life insurance increases the value of your life contingent annuity payments. We build everything into your transaction including attorney and court costs. You’ll always know what you’re receiving in the end. Life insurance isn’t free, but will almost always cost less than what you’d lose by trying to sell life contingent annuity payments without it. Here’s an example:
Jeremy is 40 years old and has monthly life contingent annuity payments of $1,000 starting July 2024. He plans to sell 10 years (120 months) of his annuity payments.
Jeremy's Transaction with Life Insurance
Present value of payments at 13% $39,000
Insurance cost -$10,000
Jeremy receives $29,000
Net discount rate 15%
Jeremy's Transaction without Life Insurance
Present value of payments at 19% $17,800
Insurance cost -$0
Jeremy receives $17,800
Net discount rate 19%
This is only an example. The value and rates will be different for each case, but you can clearly see that Jeremy can receive over $11,000 more with insurance than he would if he tried to sell life contingent annuity payments without it.
Why Do Some Companies Only Want to Buy My Annuity Payments without Life Insurance?
Some may encourage you to sell life contingent annuity payments without insurance. Their reasons can include any or all of the following:
Some companies are limited in how they fund your transaction because they only resell the payments to specific investment funds which aren’t flexible.
Many companies don’t have a properly trained sales team to structure life contingent annuity transactions. They’ll often quote all annuity payments at the same high rate.
Very few companies have relationships with life insurance companies that can offer the right coverage for those trying to sell life contingent annuity payments.
Corona Capital maintains a diverse network of funding sources. This gives us several options to give you the most money for life contingent annuity payments. We actively manage exclusive relationships with life insurance companies which provide us with the best pricing. That means we can pass on the favor to you in the form of more money for life contingent annuity payments!
Am I Better Off to Sell Life Contingent Annuity Payments without Insurance?
If you want to sell life contingent annuity payments that are paying out right now or start up in the next few years then the difference in value may not be as significant to sell annuity payments without life insurance. Each case is different. Some people are willing to accept less money in favor of an easier process. Other people may have unique situations which don’t qualify for standard life insurance.
Will I Need to Take a Medical Exam?
With Life Insurance:
Usually, yes. However, in some smaller cases for healthy people, life insurance can be issued without taking a medical exam. When life insurance is offered without an exam, it’s called Simplified Issue. There will be a detailed phone interview, and the life insurance company will access your medical records to verify the information you give in your interview. If an exam is required, we use friendly examiners who will work around your schedule.
Without Life Insurance:
It varies. In order to sell life contingent annuity payments without insurance, it’s usually necessary to have an organization perform a “life expectancy report” on you. Sometimes a medical exam will be needed. Whether the exam is required will often depend on your age and medical history.
What if I Don’t Qualify for Life Insurance?
Learn more about the life insurance process to sell life contingent annuity payments. Corona Capital has been able to get life insurance coverage for people afflicted with Cerebral Palsy, Paraplegia, Quadriplegia and Lead Poisoning. We’ve also insured others who live outside the United States. If it’s possible, then we’ll find a way. If your circumstances or health make it not possible, then we may be able to self-insure the transaction.
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