Sunday, November 15, 2015
What is Life Insurance?
If your family needs you, you need life insurance
”Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations”.
Life insurance can be termed as an agreement between the policy owner and the insurer, where the insurer for a consideration agrees to pay a sum of money upon the occurrence of the insured individual’s or individual’s death or other event, such as terminal illness, critical illness or maturity of the policy
Replace Income For Dependents
If people depend on your income, life insurance can replace that income for them if you die (God Forbid). The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially
Create A Source Of Savings
Life insurance creates a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings. Furthermore, the bonuses credited in your account are tax-free.
Create an Inheritance for Your Heirs
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
Personal Loan Facility
State life offers loan facility on policies that has been in force for at least 2 years. We give 80% loan of surrender value; you can borrow this loan for any personal or medical need. Medical loan is offer if the policy has been in force for 5 years this loan is interest free.
Medical Loan (Interest Free)
The following surgical procedures are covered, provided they were caused by disease and not traumatic injury:
Insurance provides Security and Safety
Secure Your Financial Future!
The earlier you start, the easier you save money!
Growing your savings is like growing a garden.
This scheme is designed to grow your savings over time so you can meet your medium to long-term investment goals with ease.
Your money is a valuable asset and it should be put to work just as hard as you work to earn it. This way you can be confident about meeting your future financial obligations and goals with ease.
Pakistan's No.1 Insurance Company STATE LIFE INSURANCE CORPORATION OF PAKISTAN is the right choice for all your future needs.
We have the Best INVESTMENT & SAVING PLANS that suits your needs. Just Call now to get your FUTURE SECURED...!!
COMPETITIVE & HIGHLY WANTED INSURANCE PRODUCT HI-PROFILE COVERAGE
. SAVING (Compulsory/Forced)
. PROTECTION (Sum Assured + Bonuses)
. CONSTITUTIONAL GUARANTEE (By Federal Govt U/S 35 LIO-1972)
. ACCIDENTAL COVERAGE (Included All Injuries and Indeminities)
. MAJOR SURJICAL BENEFIT (Intrest Free Loan)
Life Insurance is the best tool to ensure a family’s financial security against life’s uncertainties.
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Friday, October 9, 2015
There are two main types of Life Insurance:
Term Assurance & Whole of Life or Endowment Policies
What is the difference between Term Assurance and Whole of Life or Endowment policies?
Term insurance provides more insurance for less money than whole of life policies. This is because premiums are lower, as the insurance company may not have to pay out at all. Therefore you are able to purchase more coverage when you most need it.
Life Insurance is a Safeguard for Family Members
Life insurance is a safeguard for family members if the major supplier of income were to die and it were to grievously upset the common means for providing the basics of life. This does not include the burdens of financial expenses for burial, taxes, unplanned or emergency expenses, and furthered educational expenses for children or to have the spouse go back to school to become the primary breadwinner of the family. Life insurance is also not affordable when you are young and just starting out with a family and not always a main concern for the young. Most young people to do not think about death or their mortality, and hence, they do not see a necessity for life insurance. As we grow older, our needs and wants to secure a financial future for our loved ones necessitate the need to evaluate all options for achieving this goal. The cost and availability of features such as these could be a key issue in deciding which policy to accept.
There are really different types of life insurance available for people to purchase in State life Insurance corporation of Pakistan, which are Term life insurance, Whole life insurance etc.
People have to decide for themselves what is going to best for them and for their future. Understanding which life insurance policy will be right for you entails setting one primary objective for yourself and your family by answering two basic questions.
First, do I simply need death protection in the event of my death? Second, do I want both death protection and a savings element for my family and I to cover retirement costs if I do not pass away before retirement?
You may contact me for better quote;
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email ID: email@example.com
Wednesday, February 4, 2015
Sharpen Your Memory with Brain-Healthy Foods
If notes crowd your desk and your phone is overloaded with reminders, you may want to consider making some dietary changes. While we often blame memory lapses on aging, poor memory can be improved by nutrition.
A little suggestion to eating these six foods to keep your grey hairs from affecting your grey matter:
· Beets to regulate heartbeat.
A healthy ticker means a healthy brain. "Every cell in the body needs a steady supply of oxygen and nutrients to stay alive and work properly,". Keep blood pressure levels in check (less than 120/80), exercise regularly, and stock up on foods such as beets that improve blood flow, ensuring a steady supply of nutrients to the brain. "A brain filled with well-nourished neurons enables you to think and remember more clearly,"
· Fish to maintain brain cell health.
"When it comes to food and memory, fish should be the star of the show,". Fatty fish such as salmon, sardines, herring and mackerel contain generous amounts of omega-3 fatty acids which are important for maintaining the health of brain cells. Its recommended to eating a four-ounce portion (slightly larger than the palm of your hand) of a fatty fish at least three times a week.
· Berries to prevent brain cell breakdown.
Berries are busting with antioxidants called anthocyanins which help prevent the breakdown of brain cells. Study shows that women who eat at least one cup of blueberries and strawberries per week experienced a 2.5 year delay in mental decline compared to women who rarely ate berries. "Blueberries in particular have received a lot of attention because they can enhance spatial memory and learning," Recommended limits to eating four cups of berries per week. Even if berries aren't in season, frozen ones are just as nutritious. Add some berries to your morning smoothie or bake them into your pancakes.
· Lean protein to improve cognitive skills.
Chicken and turkey breast, eggs and low-fat milk are excellent sources of vitamin B12 which is an important protein to maintain cognitive skills.
· Walnuts to improve memory scores.
Walnuts might resemble a miniature version of the human brain for a reason. A walnut consumption was associated with better memory scores and cognitive function. Walnuts are also a great source of alpha-linolenic acid -- a plant-based form of omega-3 fatty acids. Sprinkle some walnuts on your salad or yogurt or mix chopped walnuts with pancake batter.
· Coffee to sharpen focus.
Caffeine can temporarily sharpen your focus and memory. a couple cups of coffee are OK to drink during the day, it is recommended to avoiding caffeine at least eight hours before bedtime so it doesn't interfere with your sleep. "Quality sleep is a critical component to a sharp mind,"
Monday, February 2, 2015
Manage Your Diabetes With These Essential Tips
1. Eat the Foods You Like
· Having diabetes doesn't mean you can't eat your favorite foods. But you need to know how your choices will affect your blood sugar. A diabetes educator or dietitian can help you learn skills -- such as counting carbs, reading labels, and sizing up portions -- that will let you keep your condition in check while still enjoying your favorite meals.
2. Define Your Plate
· Use a rule of three to build a healthy, satisfying meal. This can help you lose weight and manage your diabetes by eating more non-starchy foods. Divide your plate in half. Fill one side with vegetables like spinach, broccoli, carrots, or green beans. Next, divide the empty side into two halves. Use one for starchy foods such as potatoes, whole grains like brown rice or quinoa, or whole-grain bread or pasta. In the last section, add meat or another protein. On top of that, you can also have an 8-ounce glass of low-fat milk and a half-cup of fruit.
3. Write It Down
· Get in the habit of jotting down your important information. Record your daily blood sugar levels to track how food, exercise, and medicines affect your blood sugar and A1c test results. A written record can show you and your doctor whether your diabetes treatment is working and what about it can be changed. Writing down your goals and feelings in a journal might also help you stay on track and clearly discuss things with your health care providers.
4. Have a Sick-Day Plan in Place
· Common illnesses like colds, flu, and diarrhea can raise your blood sugar. Having diabetes, in turn, might make it harder to fight off infections. Have a plan in case you get sick. Store snacks that are easy on the stomach but can still give you enough fluids and carbs. Check your blood sugar more often. Also, know when to check for ketones and when to call your doctor. Get a flu shot every year.
5. Manage Your Medicine Cabinet
· If you take pills or injections to manage your diabetes, keep 3 days' worth of your medicines and supplies on hand in case of an emergency. Also keep a list of everything you take. Since some of your diabetes drugs might affect other medicines -- even ones that can be bought without a prescription -- make sure to tell your doctor before you take any new medicine. And always take your list to your regular doctor and dental appointments.
6. Get Active to Fight Everyday Stress
· Living with diabetes can make you sad or unhappy at times. Stress not only affects your mood, but it can raise your blood sugar, too. Stress might also cause you to make poor food choices. But an easy way to feel better from everyday stress is to get active. Being active raises the levels of chemicals in your brain that make you feel good. If you don't want to exercise in a gym, join a sports team or take dance lessons to keep moving.
7. Exercise in Short Sessions
· Three 10-minute walks are as good as 30 minutes at once. So don't hold out to exercise when you have a lot of time. Moderate levels of physical activity (both strength building and cardio) done regularly will help you control your blood sugar, lower your blood pressure and cholesterol, and ease stress.
8. Try Strength Workouts
· You can benefit from all kinds of exercise. But training with weights or other resistance equipment might help you prevent muscle loss. (Lost muscle often leads to more fat.) Several studies suggest that strength training -- lifting weights, for example -- improves how your body uses insulin and sugar. Of course, regular strength training can also improve your muscle mass and help you lose weight, too
9. Check Your Feet Every Night
· Use a hand mirror or ask someone to help you look for cuts, swelling, or color changes on your feet. Don't forget to look between your toes, too. If you see unhealed cuts or broken skin, call your doctor right away. Make foot care part of your daily routine: Wash and moisturize your feet, and trim your toenails as needed. Talk to your doctor about treating corns or calluses. Have him check your feet during every visit.
10. Choose a Date to Quit Smoking
· If you smoke, pick a date to quit. That gives you the chance to prepare for it. You might need help beating the mental and physical parts of nicotine addiction. Stop-smoking programs, support groups, and wellness centers can offer professional help. Whether you quit cold turkey or use other treatments to help you kick the habit, having time to prepare for it might boost your chances of success.
Friday, January 30, 2015
High Blood Pressure and Calcium Channel Blockers
Calcium channel blockers are drugs used to lower blood pressure. They work by slowing the movement of calcium into the cells of the heart and blood vessel walls, which makes it easier for the heart to pump and widens blood vessels. As a result, the heart doesn't have to work as hard, and blood pressure lowers.
Examples of calcium channel blockers include:
· Norvasc (amlodipine)
· Plendil (felodipine)
· DynaCirc (isradipine)
· Cardene (nicardipine)
· Procardia XL, Adalat (nifedipine)
· Cardizem, Dilacor, Tiazac, Diltia XL (diltiazem)
· Sular (Nisoldipine)
· Isoptin, Calan, Verelan, Covera-HS (verapamil)
Side Effects of Calcium Channel Blockers
Potential side effects from taking a calcium channel blocker include:
· Dizziness or lightheadedness
· Low blood pressure
· Heart rhythm problems
· Dry mouth
· Edema (swelling of ankles, feet, or lower legs)
· Skin rash
· Constipation or diarrhea
· Gastroesophageal reflux disease (GERD)
High Blood Pressure and ACE Inhibitors
Angiotensin converting enzyme (ACE) inhibitors are high blood pressure drugs that widen or dilate the blood vessels to improve the amount of blood the heart pumps and to lower blood pressure. ACE inhibitors also increase blood flow, which helps to decrease the amount of work your heart has to do and can help protect your kidneys from the effects of hypertension and diabetes.
ACE inhibitors are used to treat a number of heart-related conditions, including high blood pressure, heart failure, heart attack, and preventing kidney damage associated with high blood pressure and diabetes.
Examples of ACE inhibitors include:
· Vasotec (enalapril)
· Prinivil, Zestril (lisinopril)
· Lotensin (benazepril)
· Monopril (fosinopril)
· Altace (ramipril)
· Accupril (quinapril)
· Aceon (perindopril)
· Mavik (trandolapril)
· Univasc (moexipril)
What Are the Side Effects of ACE Inhibitors?
Like any drug, an ACE inhibitor is likely to have some side effects. They may include:
· Cough. If this symptom persists or is severe, contact your doctor. Ask your doctor what type of cough medicine you should use to control the cough.
· Red, itchy skin. Contact your doctor; do not treat the rash yourself.
· Dizziness, light headedness or faintness upon rising. This side effect may be strongest after the first dose, especially if you have been taking a diuretic (water pill). Get up more slowly. Contact your doctor if these symptoms persist or are severe.
· Salty or metallic taste or a decreased ability to taste. This effect usually goes away as you continue taking the medication.
· Physical symptoms. Sore, fever, mouth sores, unusual bruising, fast or irregular heartbeat, chest pain, and swelling of feet, ankles and lower legs. Contact your doctor if you have any of these symptoms.
· Swelling of your neck, face, and tongue. See a doctor right away if you have any of these symptoms. These represent a serious emergency.
· Potassium levels. This is a potentially life-threatening complication. Therefore, people on ACE inhibitors should regularly have blood tests to measure potassium levels. Signs of too much potassium in the body include confusion, irregular heartbeat, nervousness, numbness or tingling in hands, feet or lips, shortness of breath or difficulty breathing, and weakness or heaviness in legs. Contact your doctor right away if you have any of these symptoms.
· Kidney failure. Although ACE inhibitors help to protect the kidneys, it can also cause kidney failure in some people.
· Severe vomiting or diarrhea. If you have severe vomiting or diarrhea you may become dehydrated, which can lead to low blood pressure. Contact your doctor right away.
High Blood Pressure and Angiotensin II Receptor Blockers (ARBs)
Angiotensin II receptor blockers (ARBs) have the same effects as ACE inhibitors, another type of blood pressure drug, but work by a different mechanism. These drugs block the effect of angiotensin II, a chemical that narrows blood vessels. By doing so, they help widen blood vessels to allow blood to flow more easily, which lowers blood pressure. ARBs are generally prescribed for people who cannot tolerate ACE inhibitors.
Examples of ARBs include:
· Atacand (candesartan)
· Avapro (irbesartan)
· Benicar (olmesartan)
· Cozaar (losartan)
· Diovan (valsartan)
· Micardis (telmisartan)
· Teveten (eprosartan)
What Are Some of the Side Effects?
Some of the side effects of taking ARBs include:
· Dizziness, lightheadedness, or faintness upon rising, This side effect may be strongest after the first dose, especially if you have been taking a diuretic (water pill). Contact your doctor if these symptoms are persistent or severe.
· Physical problems. Diarrhea, muscle cramps or weakness, back or leg pain, insomnia (difficulty sleeping), irregular heartbeat, or fast or slow heartbeat, sinusitis or upper respiratory infection. Contact your doctor if these symptoms are persistent or severe.
· Confusion. Contact your doctor right away.
· Severe vomiting or diarrhea. If you become sick with severe vomiting or diarrhea you may become dehydrated, which can lead to low blood pressure. Contact your doctor.
· Abnormalities in blood chemistry laboratory tests.
· Cough, though less commonly than with ACE inhibitors.
High Blood Pressure and Beta-Blockers
Beta-blockers are drugs used to treat high blood pressure. They block the effects of the sympathetic nervous system on the heart. This reduces the work of the heart so that it requires less blood and oxygen. As a result, the heart doesn't have to work as hard, which in turn lowers blood pressure. Beta-blockers help control heart rate and are also used in the treatment of abnormal heart rhythms that may too fast or irregular.
There are several beta-blockers available, including:
· Sectral (acebutolol)
· Tenormin (atenolol)
· Kerlone (betaxolol)
· Zebeta, Ziac (bisoprolol)
· Coreg (carvedilol)
· Normodyne, Trandate (labetalol)
· Lopressor, Toprol-XL (metoprolol)
· Corgard (nadolol)
· Nebivolol (bystolic)
· Levatol (penbutolol)
· Visken (pindolol)
· Inderal, Inderal LA (propanolol)
· Blocadren (timolol)
Side Effects of Beta-Blockers
Potential side effects of beta-blockers include:
· Dizziness or lightheadedness
· Problems with sexual performance and ability
· Sleeping problems and drowsiness
· Cold hands and feet
· Slow heartbeat
· Edema (swelling in ankles, feet, or legs)
· Trouble breathing, especially asthma symptoms
Omega-3 Fish Oil Supplements for High Blood Pressure
In the past 10 years, many Americans have turned to omega-3 fish oil supplements. Dietary fish and fish oil supplements have benefits for healthy people and also those with heart disease.
Omega-3 fish oil contains both docosahexaenoic acid (DHA) and eicosapentaenoic acid (EPA). Omega-3 fatty acids are very important in preventing and managing heart disease.
Findings show omega-3 fish oil may help to:
· Lower blood pressure
· Reduce triglycerides
· Slow the development of plaque in the arteries
· Reduce the chance of abnormal heart rhythm
· Reduce the likelihood of heart attack and stroke
· Lessen the chance of sudden cardiac death in people with heart disease
How much omega-3 fish oil is safe?
The AHA says taking up to 3 grams of fish oil supplements daily is considered safe. Don't take more than that unless you discuss it with your doctor first.
Are there side effects with omega-3 fish oil?
Side effects from omega-3 fish oil may include:
· a fishy taste in your mouth
· fishy breath
· stomach upset
· loose stools
Taking more than 3 grams of fish oil daily may increase the risk of bleeding.