[Valid RSS] This is a valid RSS feed.


This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.


  1. <?xml version="1.0" encoding="UTF-8"?>
  2. <rss version="2.0"
  3. xmlns:content=""
  4. xmlns:wfw=""
  5. xmlns:dc=""
  6. xmlns:atom=""
  7. xmlns:sy=""
  8. xmlns:slash=""
  9. >
  11. <channel>
  12. <title></title>
  13. <atom:link href="/feed/" rel="self" type="application/rss+xml" />
  14. <link></link>
  15. <description>What is critical illness insurance-Experts sponsored by the Critical Illness Insurance Resource Center</description>
  16. <lastBuildDate>Wed, 23 Nov 2011 03:12:34 +0000</lastBuildDate>
  17. <language>en</language>
  18. <sy:updatePeriod>hourly</sy:updatePeriod>
  19. <sy:updateFrequency>1</sy:updateFrequency>
  20. <generator></generator>
  21. <item>
  22. <title>Critical illness insurance in UK versus US</title>
  23. <link></link>
  24. <comments></comments>
  25. <pubDate>Mon, 21 Nov 2011 18:54:16 +0000</pubDate>
  26. <dc:creator>About Critical Illness</dc:creator>
  27. <category><![CDATA[Uncategorized]]></category>
  29. <guid isPermaLink="false"></guid>
  30. <description><![CDATA[If looking for insurance in the UK they are a bit more advanced when it comes to the Critical Illness Insurance, but dont expect to look for it under the same name. Critical illness coverage in the U.K. is known &#8230; <a href="/uncategorized/critical-illness-insurance-in-uk-versus-us/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  31. <content:encoded><![CDATA[<p>If looking for insurance in the UK they are a bit more advanced when it comes to the Critical Illness Insurance, but dont expect to look for it under the same name.</p>
  32. <p>Critical illness coverage in the U.K. is known as dread disease insurance or more popular <a title="Critical illness cover" href="" target="_blank">Critical Illness Cover</a> while in the United States and many other locations around the world it is simply under the term critical illness insurance or critical illness policy (policies). Therefore, conversely if you are an individual from the United Kingdom and looking for a policy here in the states you now more informed as to a starting point.</p>
  33. <p>The development while having reached higher numbers than ever in the United States and more than a million ci policies written there are more than 25 million written worldwide. Critical illness quotes for the U.S. can be obtained from the Critical Illness Insurance Resource Center, while in the U.K. can be gotten by an online resource such as</p>
  34. <p>&nbsp;</p>
  35. ]]></content:encoded>
  36. <wfw:commentRss></wfw:commentRss>
  37. <slash:comments>0</slash:comments>
  38. </item>
  39. <item>
  40. <title>Critical Illness Insurance Scam</title>
  41. <link></link>
  42. <comments></comments>
  43. <pubDate>Sat, 16 Apr 2011 00:22:53 +0000</pubDate>
  44. <dc:creator>About Critical Illness</dc:creator>
  45. <category><![CDATA[compare critical illness insurance]]></category>
  46. <category><![CDATA[critical care insurance scam]]></category>
  47. <category><![CDATA[critical illness insurance scam]]></category>
  48. <category><![CDATA[]]></category>
  49. <category><![CDATA[disability insurance scam]]></category>
  50. <category><![CDATA[compare]]></category>
  51. <category><![CDATA[scam]]></category>
  53. <guid isPermaLink="false"></guid>
  54. <description><![CDATA[Already the scams begin and better to know some of them now then later when it&#8217;s too late. Be on alert and make sure that you question the plan you are getting that it will serve the purpose you want. &#8230; <a href="/critical-illness-insurance-scam/critical-illness-insurance-scam/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  55. <content:encoded><![CDATA[<h2>Already the scams begin and better to know some of them now then later when it&#8217;s too late.</h2>
  56. <p>Be on alert and make sure that you question the plan you are getting  that it will serve the purpose you want. Include examples to your agent  this is how to best combat scams or even ones that may actually be  unintentional by insurance agents. Id rather it be a problem caused by  ignorance as in not knowing then to stick people with plans because that  is what they may only available.</p>
  57. <p>Already the scams begin to come out of the woodwork and feel it our  job to announce the negatives as well as information about the positives  regarding Critical illness coverages. In this case its so undetectable  that you may hardly call it a scam but what is a flim flam scam anyway?  Well we could quote the dictionary, but we all can agree that is getting  into something that we thought was disguised as something else,  typically a knowing party (perhaps agent) providing the service or  product has a deceptive practice (often ill gotten gains) when knowingly  providing that service under false pretenses as to its coverage.  Perhaps not having the coverage and masking it under some other  coverage, and using words to make it sound good is unethical. With  people, especially  insurance or finances, that agent has a fiduciary  responsibility to look out for the well being of their client.</p>
  58. <p>This particular incidence came about while testing other insurance  carriers and their agents to see how their practices might be. The only  reason we do not mention the company is avoid potential liabilities, mud  slinging wars, or perhaps that the agent shouldn&#8217;t black eye the entire  company, etc., In this case&#8230; best to provide the information to the  public so that they understand what to look for and can learn and  provide the information as a service. Always investigate before you  invest.</p>
  59. <h1>The Scam</h1>
  60. <p>While on the surface it doesn&#8217;t seen to be such a scandal, it truly is unethical. When calling upon a well known company, whose <strong>products</strong>,  reputation and service may be good, in this case got overshadowed by  the agent pushing a product I didn&#8217;t ask for and telling me it was the  same insurance protection I was looking for. Why? Simply because he  didn&#8217;t have that product available. A coverage plan that could easily to  the public (as unknown as Critical illness insurance is present day) be  manipulated to be the critical illness protection they inquired about  getting. Disguising a <em>disability insurance product as a critical illness insurance policy</em> and cloud the judgement of a unknowing client in to thinking that this  is what they were getting. Worse yet, if disability insurance didn&#8217;t  work on me, the back up product being sold was LTC or Long term care  insurance.  When instead all along this client, (me in this case)  knowing the clear difference between the two plans made CERTAIN to  explain exactly what was looking for. In so much as they advertise on  the internet &#8220;critical illness insurance&#8221;, I have not seen CII it listed  in fact on their products list on their website at all. Hmmm..</p>
  61. <p>When I left my contact information to call me I stated what I was  looking for very specifically and the common person might not know about  the product as well as we do here, could just say &#8220;I don&#8217;t know what  product it is, but are looking for something that covers if out of work  and cant because I got cancer and and and..&#8221; Then can be easily coerced  into getting a policy they think they got coverage for but really was  entirely something else. Time to get educated.</p>
  62. <h2>The Call Back</h2>
  63. <p>For whatever reason I missed the call. The message left said Hi sir  I&#8217;m with_____ insurance and I was told you called and your looking for a  disability policy please call me at___&#8221;</p>
  64. <p>I called and said:</p>
  65. <p>&#8220;<em>They may have stated something different, I was looking for a  critical illness type policy one that would cover me if I had some sort  of critical illness?&#8221; </em></p>
  66. <p>He retorted- <em>&#8220;Yes of course in case you are disabled and like maybe cancer or something disabling?&#8221; </em></p>
  67. <p>Wow how could I say no? It made sense the way he said it.  At this  point anyone can see this is leading&#8230;leading to disability insurance  and not what I called for critical illness insurance. Again though no  person outside the insurance world would know the difference. So I made  to clarify</p>
  68. <p>ME- <em>&#8220;Yes&#8230; but again, just to be sure in case I get like cancer  or heart attack or something I need money to cover what the health  insurance will not cover like replace income or deductible or co  insurance or clinical trials god forbid&#8230;money if diagnosed&#8221; </em></p>
  69. <p>Agent-<em>Yes, he said &#8220;You need money to replace income and cover  what health insurance does in case your disabled cant work lets say due  to whatever critical illness may occur and you&#8217;ll need that money for  what health insurance wont cover that&#8217;s correct.&#8221;</em></p>
  70. <p>Before I knew it I was being sold unbeknownst to the common consumer a  disability insurance policy and not what I had called for , ask for,  and wanted, and yet being told it is exactly what I&#8217;m looking for.  Insulted and appalling. If agents are being told that disability  insurance is a critical illness insurance policy because they get money  if they are disabled and it happens to be cancer or something they  should be ashamed of themselves and in the case of many purchasing  disability plans instead of critical illness they will only find out  when an incident occurs and they don&#8217;t get what they thought they had  coverage for. Worse yet in this case I knew what he was pulling, and,  when disability insurance didn&#8217;t work on me he said well then the only  other alternative for getting money I think you&#8217;ll like is Long Term  Care&#8221; Wrong again! Stating what the plan name was, telling him how lump  sum worked he knew in this case but really suggested I get what he was  selling.</p>
  71. <p>I let him provide a quote he asked how much I make. Why he said that  is how they begin the coverage quote. Incorrect since it matters not  what you make as to the price of coverage as that is not part of the  quoting process. It is however for disability insurance. He said if you  make $100k for example I can get $5,000 a month for 6 months a year or  even 2 years. eh eh goes the buzzer&#8230;Critical illness pays a lump sum  up front unless a defined expense benefit or indemnity type plan then it  would pay a certain amount per day or time per procedure outlined often  like Aflac policies have rather than a large upfront cash benefit.</p>
  72. <h2>The Joke</h2>
  73. <p>Okay how much does your disability or even LTC plan cost?</p>
  74. <p>Well to bring in $X,xxx amount a month it will be one hundred and&#8230;</p>
  75. <p>What?! Critical illness policies cost starting at $20 a month,  average about $40 a month, I can get $40k for me in hand up front when I  need it upon diagnosis and you want me to get LTC at 38 for purposes of  getting a critical illness for how much?&#8221; Now I am no salesman for LTC  but some individuals at the center are and they are two very different  policies and not at all a critical illness lump sum policy. LTC products  have their place, but not for me, not what I am looking for, UGH!</p>
  76. <p><a href="">Disability insurance vs critical illness insurance</a> in explaining  it to a client,  I can see how it can be clearly made to  present it to a novice client as exactly how the agent wants to mold  it, and now has two markets instantly. Shameless. Now if the agent  didn&#8217;t know that&#8217;s not okay but less immoral, but here I made it clear  simply because I asked for the product by name and finally stated to him  I know the difference and what your wanting to sell me is a disability  plan even though I made it clear the policy by name. Disability pays you  a portion of what your salary is about 60% and any critical illness  insurance that has a disability insurance rider (such as Assurity life  sells) has it there for a reason BECAUSE THEY ARE NOT THE SAME! I am not  promoting Assurity other than to site a example as to how different the  two are and, if they were the same it would be like buying a critical  illness insurance policy with a critical illness insurance  rider&#8230;what?? Exactly! If want to get a critical illness disability  insurance policy that is fine to get both by having a rider.  Not by  promoting combined insurance that it is one in the same as it is, an  calling it disability insurance.</p>
  77. <p>Make sure that what you are getting in a lump sum critical illness  insurance policy is a designated amount of money given to you when  diagnosed with a covered critical illness such as cancer stroke heart  attack and others depending upon policy. If you are selling disability  insurance as critical illness insurance and hope to receive a lump sum  and find out that you have to wait to receive payments that are about  60% of your salary because you are disabled regardless of a it being a  critical illness or not does not make for a critical illness policy. To  know I&#8217;ve made it so clear to the agent going beyond what the normal  everyday person might know and be specific in asking for and still being  sold a disability policy&#8230; well its immoral.</p>
  78. <h2>So&#8230;you say, you thought you were covered eh?</h2>
  79. <p>This story could have ended very badly but instead has a happy  ending. The good is that it was me calling as a test and reporting the  need to know public service announcement. How it could have ended and  will for a lot of hard working Americans whom purchased from a quote  &#8220;trusted source&#8221; is financial disaster. Imagine dad falls ill to cancer,  paralysis or some other covered critical illness, and suddenly goes to  claim on insurance and winds up having to wait wait only to receive 60%  of his income monthly, gain more bills and have less money to live on  the same lifestyle prior to diagnosis! Even with most having health  insurance (near 80%) over 60% of bankruptcies came due to medical  bankruptcy. Instead of what he could have gotten, which is to not be  financially burdened,  and get maybe $40,000 cash up front as a forty  year old for about $40 a month. (<a title="critical care quote" href="">get quote</a> as rates vary and this is an example)  If want to get a disability  policy get one, if want to know the difference between the two it is  explained herein and also can visit by clicking</p>
  80. <p><a title="disability critical illness insurance" href="">Critical illness insurance vs disability insurance</a>.</p>
  81. ]]></content:encoded>
  82. <wfw:commentRss></wfw:commentRss>
  83. <slash:comments>0</slash:comments>
  84. </item>
  85. <item>
  86. <title>Supplemental Health Insurance</title>
  87. <link></link>
  88. <comments></comments>
  89. <pubDate>Tue, 05 Apr 2011 05:09:37 +0000</pubDate>
  90. <dc:creator>About Critical Illness</dc:creator>
  91. <category><![CDATA[health insurance supplement]]></category>
  92. <category><![CDATA[Hgih deductible supplement insurance]]></category>
  93. <category><![CDATA[supplemental health insurance]]></category>
  94. <category><![CDATA[insurance supplement]]></category>
  96. <guid isPermaLink="false"></guid>
  97. <description><![CDATA[Choosing the &#8220;BEST&#8221; health insurance supplement can lower your premiums and wind up saving you. Health insurance supplements are not the answer to health insurance or the  premiums other than two of the more than a dozen offered today. Like &#8230; <a href="/supplemental-health-insurance/supplemental-health-insurance/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  98. <content:encoded><![CDATA[<h1>Choosing the &#8220;BEST&#8221; health insurance supplement can lower your premiums and wind up saving you.</h1>
  99. <p>Health  insurance supplements are not the answer to health insurance or the  premiums other than two of the more than a dozen offered today. Like a  policeman they are there to serve and protect or in this case save and  protect. While many are perplexed (and rightfully so), as health insurance premiums raise due to the Health care Reform, many agents are not making  money any longer on regular health insurance. So they are fixed on  selling you products that do pay. Here&#8217;s the inside scoop so you know  what to look for and an understanding guide to <a title="supplemental health insurance" href="">supplemental health  insurance</a>.</p>
  100. <h2>Which supplemental health insurance is right for me?</h2>
  101. <p>There  are many of them and we will go through a series of articles touching  on the ins and out of health supplement insurance products. For this  article you&#8217;ll want to get your answer as to what to do about raising or  rather skyrocketing health insurance costs and how to lower your  premiums beyond the obvious.</p>
  102. <p>Technically you can &#8220;shop around&#8221;  for the lowest health insurance rates. Theres the obvious, but either way  you look at it, your going to pay due to the MLR, or the minimum loss  ratio. In simplistic terms a specified percentage of every dollar amount toward health  care costs and such the carriers are mandated to pay out of each premium dollar they may collect. This is why health premiums are on the rise? For the most part,  but as we all know insurance would go up anyways at the whim of private  insurance carriers due to other reasons. In this case be prepared for it  to go up dramatcially to 2014 and beyond while health insurance  exchange per state(s) are being set up. That is where you have to go to get  your health care reform guaranteed issue insurance as mandated by 2014.  That is another chapter.</p>
  103. <p>So as health rates rise, your forced to raise your  deductible&#8230;again very obvious. Now raising it may be bringing you to a  minimum of $5000, $7500 or most likely $10,000 high deductible and, if  you are healthy for the most part this is ok. Here&#8217;s what us and other experts  say:</p>
  104. <p>First, if your healthy as a horse you qualify for catastrophic only coverage. That is just that no doctor visits no prescription (although sometimes that is a rider) no bells and whistles simply catastrophic&#8230; no not accidents either. A policy can cost a simple $60 a month for a male 40 high deductible $10,000&#8230;but who cares? Ill take it you&#8217;ll say had you known. Well here&#8217;s something else you didn&#8217;t know whether you have a catastrophic plan or a comprehensive major medial&#8230;</p>
  105. <p>Raising your deductible will save you money on premium, lets  say perhaps $100 for example less, but how will you pay for the out of pocket high  deductible if something occurs and you wind up in the hospital you ask? Well  stats state that a very small amount of persons ever use their major  medical for something catastrophic and in that case you&#8217;d be glad to pay  $10,000 deductible if your bill was going to be $300,000 and bankrupt  you. Okay, so where do you get the $10,000 from you may ask? The answer  is hidden by carriers that dont exactly market this product in so far as  to say, you&#8217;ve never once seen it on TV, perhaps never in print or  radio. It&#8217;s called critical illness insurance. But dont run to buy it just yet. Here are some facts. Critcal illness gives you a lump sum of money  typically minimum of $10,000 but you should get probably at least  $20-30k. The younger you are the less it costs. You buy it and get  accepted, you get to lock in your rates sometimes for your life. Some  have a ROP or return of premium feature, but the average policy holder from an  agent at A***c stated the average policy stays on the books for about 13  years. Problem is your paying a higher premium monthly to get your  premiums back usually in paying consistently without a missed payment  for 20 years. Having already 13 as the average (and that was shockingly  long for a policy to be kept) perhaps ROP might not be your best bag.  That is better than most policies in length of time on the books and the  reason is it is like a $10 a month gym membership&#8230;it costs to little  to close and its just in case you use it&#8230;so you keep it.</p>
  106. <p>Nearly 3 million persons will get a critical illness this year as  a result they would have all stated that they would have wanted a  policy in hindsight. The average supplemental policy costs about $40 but starts at  just $20. The average 40 year old non smoker male can get a policy at  about $1 per thousand a month of course it varies from carrier to  carrier. The other thing you should know is you want to make certain  that you get the policy as a seperate or stand alone and NOT as a rider to  your existing major medical plan. How ever many times you change plans  you also will lose your critical illness insurance or CII. As a result  the older you get the more it costs with no such thing as locking it in.  And god forbid you get a diagnosis later of diabetes or something they  dont have to accept you anymore but if you have a seperate policy non of  that applies. Here&#8217;s one more stat, the average bankruptcy in the US  was due to medical and critical illnesses and 78% of them had health  insurance. What was the amount filed for medical bankruptcy? According  to Harvard it was just under &#8230;..$15,000. WOW. So if your major medical  policy by raising the deductible saved you a $100 and your critical  illness coverage was $30 there is one more coverage you&#8217;ll need to know  about.</p>
  107. <p>Enter Accident insurance or <a title="accidental health insurance" href="">accidental health insurance</a>.  Do not confuse this with what is called &#8220;A D and D&#8221; or accidental death  and desmenberment as that is exactly what it sounds like. What you need  is supplemental accident health insurance coverage. Now you can ask why  is that so important? Glad you asked&#8230;</p>
  108. <p>Accidental health  insurance is a supplement that pays in the event of an accident. The  reason is simple 1 out of every 4 seconds there is an accident. A slip  and fall in the bathtub or at school playing football to a broken finger  or bone anything that winds up in the emergency room could be you  having to pay the whole bill yourself and why? BECAUSE YOUR DEDUCTIBLE  IS HIGH!</p>
  109. <p>Accident insurance plans can cover on average up to  $10,000 and even if you want to use your deductible to satisfy since it  is the begining of the year great now its satisfied and your accident  insurance can pay you to that or not use your health insurance at all  and simply use the indemnity accident insurance that costs an average of  $30 a month and (here&#8217;s a hint)some companies will cover everyone in  your family for the same price!</p>
  110. <p>Now with the money that you saved  raising your deductible and saving money can be offset with a supplemental critical  illness and accident insurance plan and still walk away having paid  less, got more coverage than if just getting health insurance. Yes to  answer your question get both supplemental health plans sepereratly it  doesnt take that much time and p.s. everyone can get accidnet insurance  no underwriting and CII there are simplified underwwriting so unless you  have something in the past with your heart or immune system you stand a  great chance of getting coverage. You&#8217;ll want to check information as  it does vary by state and by carrier and plan.</p>
  111. <p>Article Submission: Lance Zeidman Insurance Advocate, Lic. Agent, Ntnl Producer</p>
  112. <p>Organization: Critical illness Insurance Resource Center | To reach the author for questions or comments email or contact nationwide 561-210-5822</p>
  113. ]]></content:encoded>
  114. <wfw:commentRss></wfw:commentRss>
  115. <slash:comments>0</slash:comments>
  116. </item>
  117. <item>
  118. <title>Aflac Stock, Aflac Quack, Aflac Japan&#8230; Aflac news</title>
  119. <link></link>
  120. <comments></comments>
  121. <pubDate>Tue, 15 Mar 2011 17:53:40 +0000</pubDate>
  122. <dc:creator>About Critical Illness</dc:creator>
  123. <category><![CDATA[Aflac]]></category>
  124. <category><![CDATA[aflac japan]]></category>
  125. <category><![CDATA[aflac stock]]></category>
  126. <category><![CDATA[cancer insurance]]></category>
  127. <category><![CDATA[Critical illness insurance]]></category>
  129. <guid isPermaLink="false"></guid>
  130. <description><![CDATA[Good Luck Duck! Gilbert Gottfried changes his letters around to GottFired! Aflac and the quack as we know it is now gone amid the controversial series of &#8216;tweets&#8217; or comments that was made by the voice of Aflac&#8230;comedian Gilbert Gottfried. &#8230; <a href="/critical-illness-insurance/aflac-new/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  131. <content:encoded><![CDATA[<h1>Good Luck Duck!</h1>
  132. <p>Gilbert Gottfried changes his letters around to GottFired!</p>
  133. <p>Aflac and the quack as we know it is now gone amid the controversial series of &#8216;tweets&#8217; or comments that was made by the voice of Aflac&#8230;comedian Gilbert Gottfried. This really could not have occurred at a worse time for Aflac as they are dealing with the situation that Gottfried was actually trying to make light of, which was taken by some, (and executives at Aflac) to be uncouth or not in good taste and non humorous.</p>
  134. <h2>Japan</h2>
  135. <p>As we all know the terrible situation over in Japan with the earthquake of nearly 9 on the Richter  scale caused major damage and multiple fatalities. It also caused repercussions with reactors and nuclear facilities whereby radiation is at its highest point ever. In this case it happens to be extreme.</p>
  136. <h2>Aflac Stock</h2>
  137. <p>Aflac stocks came tumbling down amid fears that there would be many claims on a level that could put Aflac in a bad position financially. Why Aflac though  in particular you may ask? &#8220;Aflac&#8221; is the number one insurer over in Japan and has been about the greatest source of revenues for the company as the largest insurer of Cancer and supplemental insurance in Japan since the 70&#8242;s. That could mean big financial losses for the company and stock holders.</p>
  138. <h2>Conclusion</h2>
  139. <p>We certainly have no real opinion here and take a third party view to state that, &#8220;It is not necessarily what happens but rather how one handles it that matters most&#8221;. <a href="">Cancer insurance</a> is important in the US too and can actually save you money on your skyrocketing health insurance premiums! However you really should get <a href="">Critical illness insurance</a> instead since it covers more for nearly the same price. Simply and type &#8220;Critical illness insurance&#8221;.</p>
  140. <p>We believe pulling through this will make Aflac stronger than they ever were and trust that DUCK will be Japan&#8217;s salvation and moreover, we will overcome! Good Luck Duck and show everybody what your made of.</p>
  141. ]]></content:encoded>
  142. <wfw:commentRss></wfw:commentRss>
  143. <slash:comments>0</slash:comments>
  144. </item>
  145. <item>
  146. <title>What you need to know</title>
  147. <link></link>
  148. <comments></comments>
  149. <pubDate>Sun, 20 Feb 2011 07:13:26 +0000</pubDate>
  150. <dc:creator>About Critical Illness</dc:creator>
  151. <category><![CDATA[critical illness comparison]]></category>
  152. <category><![CDATA[critical illness guide]]></category>
  153. <category><![CDATA[Critical illness insurance]]></category>
  154. <category><![CDATA[what is critical illness insurance]]></category>
  156. <guid isPermaLink="false"></guid>
  157. <description><![CDATA[What you need to know about critical illness insurance before you buy What is critical illness insurance? Where to go to get it? Wheres the least expensive plans? Too many questions and here are the answers: First Critical illness is &#8230; <a href="/critical-illness-insurance/what-you-need-to-know/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  158. <content:encoded><![CDATA[<h1>What you need to know about critical illness insurance before you buy</h1>
  159. <h2>What is critical illness insurance? Where to go to get it? Wheres the least expensive plans?</h2>
  160. <p>Too many questions and here are the answers: First Critical illness is a condition medical that has been diagnosed as beyond the day to day normal occurances that are minor in comparison. Critical health conditions are but not limited to Cancer, or something related to the heart that is a disease like heart attack or needing a bypass, or cirlatory system or a major can not do with type organ issue such as kidney failure. Strokes and paralisys, and loss of lims or blindness comas etc. Critical illness insurance was developed by the first success human to human heart surgeon Dr. Marius Barnard from south Africa. This was to be protection that did not wipe out a family&#8217;s finances and put them into further stress than they already were. In addition they could get better can and now more than ever people are living further years with new modern day technolgies that were not available before. This is neccesary since health insurance does not cover everything. Stats are that 62% from the Harvard univesity report stated that this percentile file bankruptcy due to a major medical condition and that 78% actually had health insurance coverage already in place.</p>
  161. <p>You can go to through an insurance agent or you can have your agent get it for you through the Critical illness Insurance Resource Center. If you do not have an agent the Center can appoint you with one or assist you directly. Applications can be filed online for most carriers and the insurance dept can see which is the best coverage and rated plans and carriers for your geographic location that is on file withthem. Where NOT to get them is on your existing major medical policy. Get critical illness coverage outside of your health plan. Rates will not go up and you will get guaranteed renewability with most whereas you can not with a rider to your health insurance. Plus rates are not locked in if on your major medical not separate.</p>
  162. <p>Where to go and shop?Best to compare critical health insurance plans to see which has the best features and benefits for your dollar. You can do all your searching on plans at the Critical illness resource center by filing a quote request or by calling 866-666-Insurance(4678) or via your agent calling them on your behalf. OR visit them on the web at</p>
  163. ]]></content:encoded>
  164. <wfw:commentRss></wfw:commentRss>
  165. <slash:comments>0</slash:comments>
  166. </item>
  167. <item>
  168. <title>Stress relation to critical illness</title>
  169. <link></link>
  170. <comments></comments>
  171. <pubDate>Mon, 14 Feb 2011 19:11:47 +0000</pubDate>
  172. <dc:creator>About Critical Illness</dc:creator>
  173. <category><![CDATA[Critical illness insurance]]></category>
  174. <category><![CDATA[dalai lama]]></category>
  175. <category><![CDATA[preventing stress]]></category>
  176. <category><![CDATA[reducing stress]]></category>
  178. <guid isPermaLink="false"></guid>
  179. <description><![CDATA[Stress less or suffer a critical illness Research in China that examined white-collar workers in Beijing found work-related stress was associated in women with increased thickness of the carotid artery wall, an early sign of cardiovascular disease. Researchers at Harvard &#8230; <a href="/critical-illness-insurance/stress-reductio/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  180. <content:encoded><![CDATA[<h2>Stress less or suffer a critical illness</h2>
  181. <p>Research in China that examined white-collar workers in Beijing found work-related stress was associated in women with increased thickness of the  carotid artery wall, an early sign of cardiovascular disease.</p>
  182. <p>Researchers at Harvard  Medical School report that women with highly  stressful jobs are 40% more likely to have poor cardiac health, such as a  heart disease, a <a href="">heart attack</a> or coronary artery surgery, compared to  their less-stressed colleagues.</p>
  183. <p>In as much as we wish not to believe our peers or elders, we already know they are right with their advice but we seemingly think we are invincible that &#8220;it&#8221; wont happen to me. The &#8220;it&#8221;, of course getting heart attacks or general heart disease or strokes or cancer. Welp, we&#8217;re wrong and their right. As it turns out stats simply never lie. You are more likely and at risk then you think in fact it is now almost more probable that you will be diagnosed and yet we probably wont take preventative action as a majority overall until it is already too late.</p>
  184. <p>It is hard to say whether you had a heart attack due to smoking and drinking and overweight lack of exercising and lack of sleep was the cause, or was it the stress?</p>
  185. <p>Neither help although so that we all know more and more people are stressing over finances and the economy then since the &#8220;Great Depression&#8221; which there was nothing great about it. When your body stresses due to losing a job or lack of funds to live your means or responsibility to the family as a bread winner causes a lot of stress on your body the way too much weight puts stress on the legs of a table or anything for that matter. We all have our breaking points and most don&#8217;t know what it is for the body till its&#8230;yep too late. By that time you&#8217;ve already compromised your body, your chassis, your table etc. You are susceptible to many things now and stress in your life must be removed.</p>
  186. <p>Tips: to remove stress is not easy but taking care of your body is. Preventative things such as working out will provide your body with a signal letting it know it needs sleep and get a good night rest. In addition, the working out or simple cardio strengthens the heart, alleviates stress and actually reduces the need for smoking. As you eat more properly with a balanced diet you will feel better and that in itself will alleviate stress.</p>
  187. <p>Try to find what you love to do for a living, and yes, it might not pay as much but writing this made me see that I must take my own advice. I have quit the cigarette 20 year hold it had on me, simply working out or so for 30 minutes will be tremendous difference and stress free happier life.</p>
  188. <p>Here&#8217;s the most profound thing if I cant convince you try the words of the Dalai Lama who says the meaning of Life, is to be happy. Drinking smoking lack of exercise stress in  a high payout job is not happy more than a short while. So, when your friends say stop stressing your gonna give yourself a Heart attack, or stop yelling you&#8217;re gonna give yourself a heart attack or stroke&#8230;is it worth it?</p>
  189. <p>Dear Dalai Lama -</p>
  190. <h6>“What thing about humanity surprises you the most?”</h6>
  191. <p><span><span style="font-family: Eras Light ITC; color: #000000; font-size: small;">Answer: “Man”<br />
  192. Because he sacrifices his health in      order to make money<br />
  193. Then he sacrifices his money to recuperate his      health<br />
  194. And then he is so anxious about the future that he doesn’t enjoy      the present,<br />
  195. And as a result he doesn’t live in the present or the      future<br />
  196. And he lives as if he’s never going to die, and then he dies      having never really  lived</span></span></p>
  197. <p><span><span style="font-family: Eras Light ITC; color: #000000; font-size: small;">If you get heart attack a stroke or cancer you&#8217;ll need to pay for what health insurance wont pay for since critical illness and major medical cases are cause to 62% of all bankruptcies Critical illness policies are reduced in premiums and having one can lower your health insurance premiums the way having an alarm reduces your insurance on a house or car. Critical illness insurance starts at only $20 a month . You can receive quotes and application assistance from Critical illness agents or sources like the <a title="crtical illness resource center" href="">Critical Illness Resource Center.</a><br />
  198. </span></span></p>
  199. ]]></content:encoded>
  200. <wfw:commentRss></wfw:commentRss>
  201. <slash:comments>0</slash:comments>
  202. </item>
  203. <item>
  204. <title>Quote Engine</title>
  205. <link></link>
  206. <comments></comments>
  207. <pubDate>Tue, 18 Jan 2011 00:31:50 +0000</pubDate>
  208. <dc:creator>About Critical Illness</dc:creator>
  209. <category><![CDATA[Uncategorized]]></category>
  211. <guid isPermaLink="false"></guid>
  212. <description><![CDATA[United States first Critical illness insurance quoting engine The first of its kind in the United States Powered by an on staff coding team has been under development and Beta version is hitting the market the latter part of  Jan &#8230; <a href="/uncategorized/quote-engine/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  213. <content:encoded><![CDATA[<p>United States first Critical illness insurance quoting engine</p>
  214. <p>The first of its kind in the United States Powered by an on staff coding team has been under development and Beta version is hitting the market the latter part of  Jan 2011. While there may be a quote engine available in other countries, there hasn&#8217;t been a big enough call to build one in the U.S. &#8230;until now.</p>
  215. <p>What is a quote engine?</p>
  216. <p>You&#8217;ve used quote engines before and probably didnt know that in fact is what it is actually called. You can use them as a more efficient way of getting multiple quotes without having to contact different suppliers and get the quotes by one search and the end result is  multiple quotes from multiple competitors. The most famous of which have been for travel hotel and car rentals through Orbitz ro Travelocity, Kayak or Priceline.</p>
  217. <p>How about for health and life insurance? Absolutely, you have heard of ehealthinsurance which matches insurance plans from many carriers. So why now? In  light of the fact that health insurance costs are on the rise primarily due to the health care reform, til 2014 the prices of premiums are going up quarterly or monthly and if locked in your premiums for a year it could sky rocket to nearly double.  And yes, it will continue to rise even after 2014. This to offset costs to carriers. Solution&#8230;Supplemental health insurance to the rescue Primarily critical illness insurance and accident insurance.<br />
  218. &lt;blockquote&gt;&lt;em&gt;&lt;strong&gt;Did you know that by getting this coverage separately from your major medical health insurance you can actually get more coverage and pay far less in premiums? &lt;/strong&gt;&lt;/em&gt;&lt;strong&gt;It is true!&lt;/strong&gt;&lt;/blockquote&gt;<br />
  219. With the new critical illness insurance quoting engine you can get quotes from many top critical illness carriers at once with inputting the information once and then apply directly on line. No shopping around needed. Simply choose the plan based on the benefits by your carrier and state and the best price quote from the quote engine. You will be able to use the quote engine for free at or get assistance from the resource dept.</p>
  220. <p>If you are an agent and would like to offer it, with credentials you can access it for your clients with your own customizations.</p>
  221. ]]></content:encoded>
  222. <wfw:commentRss></wfw:commentRss>
  223. <slash:comments>0</slash:comments>
  224. </item>
  225. <item>
  226. <title>Members of Nacii</title>
  227. <link></link>
  228. <comments></comments>
  229. <pubDate>Sat, 15 Jan 2011 00:30:06 +0000</pubDate>
  230. <dc:creator>About Critical Illness</dc:creator>
  231. <category><![CDATA[Uncategorized]]></category>
  233. <guid isPermaLink="false"></guid>
  234. <description><![CDATA[As any Prominent or distinguished entity today in any market place, the assistance we rely on as consumers (be it business or individual consumers) for credibility and stature, that they may have come from having relationships forged with recognizable associations. &#8230; <a href="/uncategorized/members-of-nacii/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  235. <content:encoded><![CDATA[<p>As any Prominent or distinguished entity today in any market place, the assistance we rely on as consumers (be it business or individual consumers) for credibility and stature, that they may have come from having relationships forged with recognizable associations. This is particularly important when it concerns a big portion of your life with regards to financial or health.</p>
  236. <p>This is particularly true in this case,, now a leader in the industry of specifically both those categories (listed above) as it pertains to critical illness insurance and its&#8217; sister&#8230; Cancer insurance, joins the ranks of few. They have now joined the membership ranks of a select, of which most are carriers, to the NACII. The  Prestigious organization the National Association Critical Illness Insurance, or NACII is comprised of Executives board members of experienced professionals in CII arena. This also following membership to an association of moral and ethical emphasis &#8220;NAIFA&#8221; and long time Association member of the National Association of Health Underwriters.</p>
  237. <p>We encourage those looking for any major event protection such as health insurance coverage or investing such as retirement funding, asset protection, lawyers, insurance agents, or doctors, that you see that the business entity does more than just advertising. Check to make sure that advice your getting regarding your health, your money or asset protection is licensed with governing boards or state departments, certified and part of some governing or regulating bodies. It should be known that membership to any association does not mean that they are endorsing  (i.e. BBB) but it does tend to assist by looking out for more for your needs as a consumer.</p>
  238. <p>To find out more information go to <a href="">Critical illness insurance resource center</a> or call 866-666-Insure (4678) for assistance in choosing the appropriate supplemental insurance product for your needs.</p>
  239. ]]></content:encoded>
  240. <wfw:commentRss></wfw:commentRss>
  241. <slash:comments>0</slash:comments>
  242. </item>
  243. <item>
  244. <title>Critical Illness Policies Gets Face lift</title>
  245. <link></link>
  246. <comments></comments>
  247. <pubDate>Mon, 10 Jan 2011 00:28:03 +0000</pubDate>
  248. <dc:creator>Lance</dc:creator>
  249. <category><![CDATA[Critical illness insurance]]></category>
  251. <guid isPermaLink="false"></guid>
  252. <description><![CDATA[ gets a makeover directly after its new website facelift. The surgery on the site was a complete overhaul offering a cleaner look and more user friendly feel to both agents and consumers alike searching for up to date information &#8230; <a href="/critical-illness-insurance/critical-illness-policies-gets-face-lift/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  253. <content:encoded><![CDATA[<p> gets a makeover directly after its new website facelift. The surgery on the site was a complete overhaul offering a cleaner look and more user friendly feel to both agents and consumers alike searching for up to date information on the growing need for CII (<a title="critical illness insurance" href="">Critical Illness Insurance</a>).</p>
  254. <p>The site was well thought out and mastermind wizard(s) behind the scenes, or curtain as it were, made the transition smooth and seamless. Optimization was a challenge, but with the new look and feel, master in house seo and design team as well as copywriting participants, research and developers, countless man hours as well as investment funding, the site is now being hailed as THE SOURCE for critical illness insurance information, comparisons, company and carrier info, agent center, consumer and business CII or voluntary benefits portal.</p>
  255. <p>The end of the surgery is now here and near, and the unveiling of the anticipated new critical illness insurance logo for the Critical Illness Resource Center comes out this month (January 2011). There is one main logo and a secondary as well, coupled with the company motto both being stamped under copyright, registered, and trademark. All of these projects to be released by month&#8217;s end, a great way to stay on track for the New Year 2011.</p>
  256. <p>If needing further information on anything critical illness insurance related can be reviewed and asked at the Critical Illness Insurance Department by means of the Official site <a href=""></a></p>
  257. ]]></content:encoded>
  258. <wfw:commentRss></wfw:commentRss>
  259. <slash:comments>0</slash:comments>
  260. </item>
  261. <item>
  262. <title>Living Dangerously: Employment in Potentially Hazardous Fields</title>
  263. <link></link>
  264. <comments></comments>
  265. <pubDate>Fri, 07 Jan 2011 18:40:12 +0000</pubDate>
  266. <dc:creator>About Critical Illness</dc:creator>
  267. <category><![CDATA[Uncategorized]]></category>
  269. <guid isPermaLink="false"></guid>
  270. <description><![CDATA[Are you a local hero? Do you build our world brick by brick? Do you march on the frontlines? Our police, firefighters, and construction workers deserve our praise and gratitude. Our soldiers work to bring peace abroad and secure the &#8230; <a href="/uncategorized/living-dangerously-employment-in-potentially-hazardous-fields/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
  271. <content:encoded><![CDATA[<p>Are you a local hero? Do you build our world brick by brick? Do you march on the frontlines? Our police, firefighters, and construction workers deserve our praise and gratitude. Our soldiers work to bring peace abroad and secure the borders of our proud nation. You risk your life every day to keep us safe and shape our towns. Even commercial fishermen brave the treacherous seas to bring us our fill of seafood. Many of you work fearlessly in some of the most dangerous jobs in the world. You work selflessly so that we may enjoy all the riches that life has to offer.</p>
  272. <p>How are you compensated for your hard work and valor? How are <em>you</em> protected and cared for in your time of need? Steady pay and gratitude alone are not enough. Sure, you may have a decent salary that allows you to save for a rainy day. You may even have great health insurance, life insurance, and/or disability insurance. Unfortunately, these forms of insurance cannot cover everything and you may have to wait an extended period of time to receive any payouts that you might be eligible for. If you suffered a critical illness resulting from your work, what would happen to your loving family that relies on you for sustenance? Would your savings and insurance be enough? How long could your family stay afloat during such trying times?</p>
  273. <p>Critical care is incredibly expensive. A single day in the ICU can cost well over one thousand dollars and that does not account for the cost of a ventilator, medications, or food. Hazardous employment puts you at a much higher risk of needing critical care at some point in your lifetime. You and your family <em>deserve</em> financial security and peace of mind. Critical illness insurance gives you the coverage you need to recover physically and survive financially. In the event of a critical illness, critical illness insurance pays you a lump sum that you may use in whatever way you need. You can pay your deductibles and/or co-insurance, cover any medical bills or treatment your health insurance won’t, and make up for lost income.</p>
  274. <p>You love your career and your family. You work hard at your job and for your family. You provide comfort and security for your community. Let us provide <em>your</em> comfort, <em>your</em> security. No one ever thought the United States would see a day like September 11<sup>th</sup>. The heroes of this tragic day suffered emotionally, physically, and financially. You may never have to endure such a horrific catastrophe, but the dangers you face day in and day out are no less devastating. Do not put yourself in danger of financial ruin. Do not add more stress to an already stressful situation. Protect yourself, your family, and your home. Critical illness insurance is your safety net in your time of need.</p>
  275. ]]></content:encoded>
  276. <wfw:commentRss></wfw:commentRss>
  277. <slash:comments>0</slash:comments>
  278. </item>
  279. </channel>
  280. </rss>

If you would like to create a banner that links to this page (i.e. this validation result), do the following:

  1. Download the "valid RSS" banner.

  2. Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)

  3. Add this HTML to your page (change the image src attribute if necessary):

If you would like to create a text link instead, here is the URL you can use:

Copyright © 2002-9 Sam Ruby, Mark Pilgrim, Joseph Walton, and Phil Ringnalda